Norwood Financial (Norwood Financial) Debt-to-Equity

: 0.80 (As of Dec. 2023)

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Norwood Financial's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was $74.41 Mil. Norwood Financial's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was $69.83 Mil. Norwood Financial's Total Stockholders Equity for the quarter that ended in Dec. 2023 was $181.07 Mil. Norwood Financial's debt to equity for the quarter that ended in Dec. 2023 was 0.80.

A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.

The historical rank and industry rank for Norwood Financial's Debt-to-Equity or its related term are showing as below:

NWFL' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.15 Med: 0.51 Max: 0.8
Current: 0.8

During the past 13 years, the highest Debt-to-Equity Ratio of Norwood Financial was 0.80. The lowest was 0.15. And the median was 0.51.

NWFL's Debt-to-Equity is ranked worse than
54.36% of 1398 companies
in the Banks industry
Industry Median: 0.7 vs NWFL: 0.80

Norwood Financial Debt-to-Equity Historical Data

The historical data trend for Norwood Financial's Debt-to-Equity can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Norwood Financial Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Debt-to-Equity

0.64

0.22

0.15

0.73

0.80

Norwood Financial Quarterly Data
	Mar19	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23
Debt-to-Equity																0.73	0.84	1.22	1.47	0.80

Competitive Comparison

For the Banks - Regional subindustry, Norwood Financial's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Norwood Financial Debt-to-Equity Distribution

For the Banks industry and Financial Services sector, Norwood Financial's Debt-to-Equity distribution charts can be found below:

* The bar in red indicates where Norwood Financial's Debt-to-Equity falls into.

Norwood Financial Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

Norwood Financial's Debt to Equity Ratio for the fiscal year that ended in Dec. 2023 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(74.406	+	69.83)	/	181.07
	=	0.80

Norwood Financial's Debt to Equity Ratio for the quarter that ended in Dec. 2023 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(74.406	+	69.83)	/	181.07
	=	0.80

Norwood Financial (NAS:NWFL) Debt-to-Equity Explanation

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.

Be Aware

Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.

Norwood Financial Debt-to-Equity Related Terms

Thank you for viewing the detailed overview of Norwood Financial's Debt-to-Equity provided by GuruFocus.com. Please click on the following links to see related term pages.

Norwood Financial (Norwood Financial) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Norwood Financial Corp (NAS:NWFL) » Definitions » Debt-to-Equity

Comparable Companies

Traded in Other Exchanges

N/A

Address

717 Main Street, P.O. Box 269, Honesdale, PA, USA, 18431

Website

https://www.wayne.bank

Norwood Financial Corp is a U.S.-based bank holding company. It offers various personal and business credit services, trust and investment products, and real estate settlement services to consumers, businesses, nonprofit organizations, and municipalities in each of the communities that the bank serves. The bank also manages automated teller machines at its branch location. It serves the Pennsylvanian counties of Wayne, Pike, Monroe, and Lackawanna, as well as Susquehanna County.

Executives

Andrew Forte	director	717 MAIN STREET, HONESDALE PA 18431
James O Donnelly	officer: President & CEO	717 MAIN ST, HONESDALE PA 18431
Jeffrey S Gifford	director	GIFFORD JEFFREY S, 717 MAIN STREET, HONESDALE PA 18431
Joseph W Adams	director	717 MAIN STREET, HONESDALE PA 18431
William S Lance	officer: EVP & CFO	717 MAIN STREET, HONESDALE PA 18431
John F Carmody	officer: EVP & Chief Credit Officer	717 MAIN STREET, HONESDALE PA 18431
Lewis J Critelli	director, officer: President & CEO	P O BOX 269, 717 MAIN ST, HONESDALE PA 18431
Alexandra K Nolan	director	NOLAN ALEXANDRA K, 717 MAIN STREET, HONESDALE PA 18431
Robert J Mancuso	officer: EVP & Chief Credit Officer	717 MAIN STREET, HONESDALE PA 18431
Vincent O'bell	officer: See Remarks	717 MAIN STREET, HONESDALE PA 18431
Davis William W Jr	director, officer: Chairman of the Board	P O BOX 269, 717 MAIN ST, HONESDALE PA 18431
Kenneth A Phillips	director	P O BOX 269, 717 MAIN ST, HONESDALE PA 18431
John H Sanders	officer: Senior Vice President	P O BOX 269, 717 MAIN ST, HONESDALE PA 18431
Susan Campfield	director	717 MAIN STREET, HONESDALE PA 18431
Meg L Hungerford	director	717 MAIN STREET, HONESDALE PA 18431