Norwood Financial Corp. — Earnings Quality Grade A
NWFL · Financial Services
Strong financial health
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 38 days, change -22 days YoY
AR growth 9.3% vs revenue growth 72.3%
Revenue 72.3%, CFFO 48.9%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 50.9% vs revenue 72.3%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.22. Profits backed by cash
FCF $0.0B, FCF/NI = 1.05
Accruals ratio = -0.3%. Low accruals
Cash $0.0B covers 60% of debt $0.1B
Balance Sheet Health
Goodwill+Intangibles $0.0B = 12% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -0% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
Monitor NWFL continuously
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Altman Z-Score — Not Applicable
Norwood Financial Corp. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25