NWFL (Norwood Financial) Long-Term Debt: $88.27 Mil (As of Mar. 2026)

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NWFL Norwood Financial Corp NWFL
60 GF Score
Price $31.25
GF Value $31.65
Valuation Fairly Valued
! 4 Warning Signs
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What is Norwood Financial Long-Term Debt?

Norwood Financial NWFL -0.45% 60 Long-Term Debt is $88.27 Mil as of Mar. 2026. GuruFocus rates NWFL with a GF Score™ of 60/100 and a GF Value™ of $31.65 (Fairly Valued). The stock has 4 warning signs investors should review.

Norwood Financial's Long-Term Debt for the quarter that ended in Mar. 2026 was $88.27 Mil.

Norwood Financial's quarterly Long-Term Debt declined from Sep. 2025 ($62.07 Mil) to Dec. 2025 ($29.42 Mil) but then increased from Dec. 2025 ($29.42 Mil) to Mar. 2026 ($88.27 Mil).

Norwood Financial's annual Long-Term Debt declined from Dec. 2023 ($69.83 Mil) to Dec. 2024 ($59.85 Mil) and declined from Dec. 2024 ($59.85 Mil) to Dec. 2025 ($29.42 Mil).

Norwood Financial  (NAS:NWFL) Long-Term Debt Explanation

Long-Term Debt is the sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer. Long-Term Debt includes notes payable, bonds payable, mortgage loans, convertible debt, subordinated debt and other types of long term debt.

Norwood Financial Long-Term Debt Related Terms

Norwood Financial Long-Term Debt Historical Data

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The historical data trend for Norwood Financial's Long-Term Debt 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.

Norwood Financial Long-Term Debt Chart

Norwood Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Long-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 30.00 0.00 69.83 59.85 29.42

Norwood Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Long-Term Debt Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 118.59 85.35 62.07 29.42 88.27
NWFL
60GF Score
Norwood Financial Corp NWFL
Long-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Long-Term Debt →
What does a Long-Term Debt of $88.27 Mil mean?
Norwood Financial (NWFL) has a Long-Term Debt of $88.27 Mil as of Mar. 2026.
Is Norwood Financial's Long-Term Debt too high?
Norwood Financial's current Long-Term Debt is $88.27 Mil. Overall, Norwood Financial has a GF Score™ of 60/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Norwood Financial's Long-Term Debt compare to TSBK and CZFS?
Norwood Financial's Long-Term Debt of $88.27 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Long-Term Debt for a Banks company?
A good Long-Term Debt depends on the Banks industry context. However, Long-Term Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Long-Term Debt mean?
A high Long-Term Debt can signal that a stock is expensive relative to its fundamentals. Norwood Financial's current Long-Term Debt is $88.27 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Norwood Financial stock overvalued right now?
Based on GuruFocus' analysis, Norwood Financial (NWFL) is currently considered Fairly Valued. The stock's GF Value™ is $31.65, compared to a current price of $31.25 — trading 1.3% below its estimated fair value. The current Long-Term Debt is $88.27 Mil. Norwood Financial's overall GF Score™ is 60/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For Norwood Financial (NWFL), the current Long-Term Debt is $88.27 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Norwood Financial (NWFL) Overvalued in 2026?

Based on GuruFocus' analysis, Norwood Financial stock appears to be undervalued. The current stock price of $31.25 is trading 1.3% below its estimated GF Value™ of $31.65. GuruFocus considers Norwood Financial to be Fairly Valued.

Key valuation signals for NWFL:

  • Long-Term Debt: $88.27 Mil
  • GF Value™: $31.65 vs. price of $31.25 (1.3% below fair value)
  • GF Score™: 60/100 with 4 warning signs

No single metric tells the full story. See the NWFL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Norwood Financial Business Description

Address 717 Main Street, P.O. Box 269, Honesdale, PA, USA, 18431
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.
60GF Score

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Long-Term Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$31.25
Price
$31.65
GF Value