NWFL (Norwood Financial) LT-Debt-to-Total-Asset: 0.03 (As of Mar. 2026)

What is Norwood Financial LT-Debt-to-Total-Asset?

Norwood Financial NWFL -1.17% 59 LT-Debt-to-Total-Asset is 0.03 as of Mar. 2026. GuruFocus rates NWFL with a GF Score™ of 59/100 and a GF Value™ of $32.88 (Fairly Valued). The stock has 4 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Norwood Financial's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.03.

Norwood Financial's long-term debt to total assets ratio declined from Mar. 2025 (0.05) to Mar. 2026 (0.03). It may suggest that Norwood Financial is progressively becoming less dependent on debt to grow their business.

Norwood Financial (NAS:NWFL) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Norwood Financial LT-Debt-to-Total-Asset Related Terms

Norwood Financial LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Norwood Financial's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

Norwood Financial Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.02

0.00

0.03

0.01

Norwood Financial Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.05	0.04	0.03	0.01	0.03

59GF Score

Norwood Financial Corp NWFL

LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.

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Norwood Financial LT-Debt-to-Total-Asset Calculation

Norwood Financial's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	29.419	/	2424.842
	=	0.01

Norwood Financial's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	88.268	/	2917.254
	=	0.03

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.03 mean?

Norwood Financial (NWFL) has a LT-Debt-to-Total-Asset of 0.03 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Norwood Financial and its competitors.

Is Norwood Financial's LT-Debt-to-Total-Asset too high?

Norwood Financial's current LT-Debt-to-Total-Asset is 0.03. Overall, Norwood Financial has a GF Score™ of 59/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.

How does Norwood Financial's LT-Debt-to-Total-Asset compare to TSBK and CZFS?

Norwood Financial's LT-Debt-to-Total-Asset of 0.03 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 LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Norwood Financial and its competitors. Norwood Financial's current LT-Debt-to-Total-Asset is 0.03. 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 $32.88, compared to a current price of $32.36 — trading 1.6% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.03. Norwood Financial's overall GF Score™ is 59/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Norwood Financial (NWFL), the current LT-Debt-to-Total-Asset is 0.03 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 $32.36 is trading 1.6% below its estimated GF Value™ of $32.88. GuruFocus considers Norwood Financial to be Fairly Valued.

Key valuation signals for NWFL:

LT-Debt-to-Total-Asset: 0.03
GF Value™: $32.88 vs. price of $32.36 (1.6% below fair value)
GF Score™: 59/100 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

Industry Financial Services Banks

Comparable Companies TSBK CZFS BCML AVBH CHMG WSBF BFCC USCB MVBF COSO SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

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.

59GF Score

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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$32.36

Price

$32.88

GF Value

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