NWFL – Dividend Returns, History & Calculator
Norwood Financial Corp. operates as the bank holding company for Wayne Bank that provides various banking products and services in the United States. The company offers deposit products, including interest-bearing and non-interest-bearing transaction, statemen
...Company Info
Price Data
Dividend Data
Growth Rates
Total Returns
Fair Value
Financial Metrics
Calculate your NWFL Dividend Returns
Quickly and easily calculate NWFL dividend yield using our NWFL calculator. Adjust the fields below to see how your NWFL investments snowball over time.
Portfolio Growth Over Time
Data last updated: October 16, 2025 7:17 pm
Year-by-Year Portfolio Growth (Realistic DRIP Scenario)
| Year | Start Balance | Start Shares | Share Price | Dividend / Share | Dividend Yield | Yield on Cost | Annual Dividend | Total Dividends | End Shares | End Balance |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | $10,000 | 416 | $24.02 | $0.31 | 5.16% | 5.16% | $566 | $566 | 490 | $11,766 |
| 2 | $12,023 | 490 | $24.55 | $0.32 | 5.26% | 5.38% | $685 | $1,251 | 567 | $13,908 |
| 3 | $14,213 | 567 | $25.08 | $0.34 | 5.36% | 5.60% | $818 | $2,069 | 647 | $16,231 |
| 4 | $16,586 | 647 | $25.63 | $0.35 | 5.46% | 5.83% | $966 | $3,035 | 732 | $18,753 |
| 5 | $19,163 | 732 | $26.19 | $0.36 | 5.57% | 6.07% | $1,132 | $4,167 | 821 | $21,495 |
| 6 | $21,966 | 821 | $26.77 | $0.38 | 5.67% | 6.32% | $1,316 | $5,483 | 915 | $24,482 |
| 7 | $25,018 | 915 | $27.35 | $0.40 | 5.78% | 6.58% | $1,522 | $7,005 | 1,014 | $27,740 |
| 8 | $28,347 | 1,014 | $27.95 | $0.41 | 5.89% | 6.86% | $1,752 | $8,758 | 1,120 | $31,300 |
| 9 | $31,985 | 1,120 | $28.56 | $0.43 | 6.00% | 7.14% | $2,010 | $10,768 | 1,232 | $35,195 |
| 10 | $35,965 | 1,232 | $29.19 | $0.45 | 6.12% | 7.44% | $2,298 | $13,066 | 1,352 | $39,464 |
NWFL Dividend History
| Ex-Date | Payment Date | Amount | TTM Yield | Forward Yield | Price on Ex-Date |
|---|---|---|---|---|---|
| 10/15/2025 | 10/15/2025 | $0.310 | 5.02% | 5.02% | $24.70 |
| 07/15/2025 | 07/15/2025 | $0.310 | 4.98% | 5.02% | $24.70 |
| 04/15/2025 | 04/15/2025 | $0.310 | 5.39% | 5.47% | $22.65 |
| 01/15/2025 | 01/15/2025 | $0.310 | 4.53% | 4.64% | $26.73 |
| 10/18/2024 | 10/18/2024 | $0.300 | 4.19% | 4.19% | $28.66 |
| 07/15/2024 | 07/15/2024 | $0.300 | 4.36% | 4.40% | $27.28 |
| 04/12/2024 | 04/12/2024 | $0.300 | 4.97% | 5.05% | $23.75 |
| 01/11/2024 | 01/11/2024 | $0.300 | 3.99% | 4.09% | $29.35 |
| 10/12/2023 | 10/12/2023 | $0.290 | 4.48% | 4.48% | $25.90 |
| 07/13/2023 | 07/13/2023 | $0.290 | 3.91% | 3.94% | $29.44 |
| 04/13/2023 | 04/13/2023 | $0.290 | 4.16% | 4.23% | $27.41 |
| 01/12/2023 | 01/12/2023 | $0.290 | 3.28% | 3.37% | $34.40 |
| 10/13/2022 | 10/13/2022 | $0.280 | 4.15% | 4.15% | $27.00 |
| 07/14/2022 | 07/14/2022 | $0.280 | 4.54% | 4.63% | $24.21 |
| 04/13/2022 | 04/13/2022 | $0.280 | 3.82% | 3.96% | $28.25 |
| 01/13/2022 | 01/13/2022 | $0.280 | 3.80% | 4.02% | $27.87 |
| 10/14/2021 | 10/14/2021 | $0.260 | 4.08% | 4.08% | $25.46 |
| 07/14/2021 | 07/14/2021 | $0.260 | 4.08% | 4.12% | $25.22 |
| 04/14/2021 | 04/14/2021 | $0.260 | 3.95% | 4.03% | $25.80 |
| 01/14/2021 | 01/14/2021 | $0.260 | 3.63% | 3.74% | $27.80 |
NWFL 10-yr Total Return ($10,000 invested)
This analysis of NWFL demonstrates the power of dividend reinvestment over a 10-year period with a $10,000 initial investment. The dividend reinvestment strategy delivered a 6.8% CAGR, representing moderate long-term performance. The DRIP strategy provided 21% more total return compared to collecting dividends as cash, highlighting the compounding effect of reinvestment.
Total Return with and without DRIP (NWFL)
Over the selected period, investing $10,000 in NWFL would grow to $30,055 with DRIP (200.6%), and $26,743 without DRIP (167.4%).
NWFL Dividend Reinvestment Snowball
Investing $10,000 + $100/mo in NWFL with historic price growth (2.19%) and dividend growth (4.14%) produces dramatically different outcomes depending on whether you reinvest dividends.
After 20 Years
Your Investment: $34,000
Portfolio: $116,206
Annual Dividend: $8,753
Yield on Cost: 25.74%
Total Dividends: $61,736
Portfolio: $79,568
Total Dividends: $34,083
After 30 Years
Your Investment: $46,000
Portfolio: $343,642
Annual Dividend: $31,266
Yield on Cost: 67.97%
Total Dividends: $232,183
Portfolio: $150,916
Total Dividends: $81,022
Milestones on the way
By year 13, the compounding really starts to show. Your total dividends collected reach $21,883 against a total investment of $25,600. At this point, your portfolio is throwing off $3,663 per year in dividends alone.
By year 17, the annual dividend climbs to around your initial contribution. For a starting investment of $10,000, the yearly dividend now sits at approximately $6,036, a powerful “income on autopilot” milestone.
After two decades, cumulative dividends total $61,736 versus $34,000 invested, nearly a 182% recovery of capital purely from income. Yield on cost reaches 25.74%.
At year 25, the income engine takes over. The portfolio’s annual dividend of $16,373 is greater than total contributions to date ($40,000), and cumulative dividends exceed $120,762.
By year 30, the DRIP snowball is in full force. Yearly income reaches $31,266, cumulative dividends total $232,183, and the DRIP portfolio value stands at $343,642, compared with $150,916 if dividends weren’t reinvested.
How we estimate these numbers
We use the latest calculator inputs for NWFL, price $24.02, dividend per period $0.31 (4×/year), along with historic growth assumptions: price growth 2.19% and dividend growth 4.14% annually.
We simulate month by month for 30 years. Every month, a $100 contribution is added and converted to shares at that month’s price. Dividends are paid roughly evenly across the year based on the dividend frequency; in the DRIP path, each payout immediately buys additional shares at the then-current price. In the No‑DRIP path, dividends accrue as cash. Prices grow using a monthly rate derived from the annual price growth. Dividends per share increase once per year at the annual dividend growth rate.
This model isn’t investment advice; it’s a simple, transparent framework that illustrates how reinvesting dividends can accelerate both income and total return over time.
Projected Future Returns & Dividends for NWFL
Based on past 10-year performance, here are NWFL growth metrics:
Using NWFL CAGR metrics, we can estimate that your initial $10,000 investment, over the next 10 years, should grow as follows:
| NWFL (DRIP) | NWFL (No DRIP) | |
|---|---|---|
| Current Price | $24.22 | $24.22 |
| Start Shares | 412.88 | 412.88 |
| Start Value | $10,000 | $10,000 |
| After 10 years: | ||
| Final Share Count | 621.89 | 412.88 |
| Dividends Payment | $1.88 | $1.88 |
| Annual Dividends | $1,127 | $774 |
| Yield on cost | 11.27% | 7.74% |
| Share Price | $53.48 | $53.48 |
| Total Dividends | $8,049 | $6,473 |
| Final Value | $33,258 | $28,553 |
Estimated Future Value + Dividends – NWFL
Dividend History: Payments & Yield
Shows quarterly dividend payments with trailing yield and a 5-year rolling average overlay. Use the range pills to switch the visible period.
Dividend Growth
Lifetime quarterly dividend amounts, with range controls for 1Y/2Y/5Y/10Y. Useful to visualize the cadence and pace of dividend increases over time.
Dividend Payments & Yield
Quarterly dividends with TTM yield and a 5‑year rolling average overlay. Helps compare current yield versus recent history across different ranges.
NWFL Dividend History
| Ex-Date | Payment Date | Amount | TTM Yield | Forward Yield | Price on Ex-Date |
|---|---|---|---|---|---|
| 10/15/2025 | 10/15/2025 | $0.310 | 5.02% | 5.02% | $24.70 |
| 07/15/2025 | 07/15/2025 | $0.310 | 4.98% | 5.02% | $24.70 |
| 04/15/2025 | 04/15/2025 | $0.310 | 5.39% | 5.47% | $22.65 |
| 01/15/2025 | 01/15/2025 | $0.310 | 4.53% | 4.64% | $26.73 |
| 10/18/2024 | 10/18/2024 | $0.300 | 4.19% | 4.19% | $28.66 |
| 07/15/2024 | 07/15/2024 | $0.300 | 4.36% | 4.40% | $27.28 |
| 04/12/2024 | 04/12/2024 | $0.300 | 4.97% | 5.05% | $23.75 |
| 01/11/2024 | 01/11/2024 | $0.300 | 3.99% | 4.09% | $29.35 |
| 10/12/2023 | 10/12/2023 | $0.290 | 4.48% | 4.48% | $25.90 |
| 07/13/2023 | 07/13/2023 | $0.290 | 3.91% | 3.94% | $29.44 |
| 04/13/2023 | 04/13/2023 | $0.290 | 4.16% | 4.23% | $27.41 |
| 01/12/2023 | 01/12/2023 | $0.290 | 3.28% | 3.37% | $34.40 |
| 10/13/2022 | 10/13/2022 | $0.280 | 4.15% | 4.15% | $27.00 |
| 07/14/2022 | 07/14/2022 | $0.280 | 4.54% | 4.63% | $24.21 |
| 04/13/2022 | 04/13/2022 | $0.280 | 3.82% | 3.96% | $28.25 |
| 01/13/2022 | 01/13/2022 | $0.280 | 3.80% | 4.02% | $27.87 |
| 10/14/2021 | 10/14/2021 | $0.260 | 4.08% | 4.08% | $25.46 |
| 07/14/2021 | 07/14/2021 | $0.260 | 4.08% | 4.12% | $25.22 |
| 04/14/2021 | 04/14/2021 | $0.260 | 3.95% | 4.03% | $25.80 |
| 01/14/2021 | 01/14/2021 | $0.260 | 3.63% | 3.74% | $27.80 |
| 10/14/2020 | 10/14/2020 | $0.250 | 4.09% | 4.09% | $24.45 |
| 07/16/2020 | 07/16/2020 | $0.250 | 3.35% | 3.38% | $29.57 |
| 04/14/2020 | 04/14/2020 | $0.250 | 3.88% | 3.96% | $25.26 |
| 01/14/2020 | 01/14/2020 | $0.250 | 2.55% | 2.63% | $38.00 |
| 10/11/2019 | 10/11/2019 | $0.240 | 3.16% | 3.16% | $30.40 |
| 07/12/2019 | 07/12/2019 | $0.240 | 2.74% | 2.79% | $34.35 |
| 04/12/2019 | 04/12/2019 | $0.240 | 2.89% | 3.01% | $31.85 |
| 01/14/2019 | 01/14/2019 | $0.240 | 2.90% | 3.09% | $31.08 |
| 10/12/2018 | 10/12/2018 | $0.220 | 2.38% | 2.38% | $37.01 |
| 07/12/2018 | 07/12/2018 | $0.220 | 2.45% | 2.45% | $35.98 |
| 04/12/2018 | 04/12/2018 | $0.220 | 2.93% | 2.95% | $29.81 |
| 01/11/2018 | 01/11/2018 | $0.220 | 2.71% | 2.75% | $31.95 |
| 10/12/2017 | 10/12/2017 | $0.220 | 3.04% | 3.11% | $28.29 |
| 07/12/2017 | 07/12/2017 | $0.213 | 3.01% | 3.03% | $28.16 |
| 04/11/2017 | 04/11/2017 | $0.213 | 3.20% | 3.25% | $26.27 |
| 01/11/2017 | 01/11/2017 | $0.213 | 3.91% | 4.00% | $21.33 |
| 10/12/2016 | 10/12/2016 | $0.207 | 4.31% | 4.31% | $19.17 |
| 07/13/2016 | 07/13/2016 | $0.207 | 4.49% | 4.49% | $18.40 |
| 04/13/2016 | 04/13/2016 | $0.207 | 4.38% | 4.38% | $18.85 |
| 01/13/2016 | 01/13/2016 | $0.207 | 4.35% | 4.35% | $19.00 |
| 10/13/2015 | 10/13/2015 | $0.207 | 4.27% | 4.31% | $19.19 |
| 07/13/2015 | 07/13/2015 | $0.207 | 4.11% | 4.18% | $19.79 |
| 04/13/2015 | 04/13/2015 | $0.207 | 4.16% | 4.26% | $19.40 |
| 01/13/2015 | 01/13/2015 | $0.200 | 4.16% | 4.16% | $19.21 |
| 10/10/2014 | 10/10/2014 | $0.200 | 4.22% | 4.22% | $18.97 |
| 07/21/2014 | 07/21/2014 | $0.200 | 4.09% | 4.12% | $19.40 |
| 04/11/2014 | 04/11/2014 | $0.200 | 4.03% | 4.10% | $19.50 |
| 01/13/2014 | 01/13/2014 | $0.200 | 4.11% | 4.25% | $18.83 |
| 10/10/2013 | 10/10/2013 | $0.193 | 4.03% | 4.08% | $18.94 |
| 07/11/2013 | 07/11/2013 | $0.193 | 3.79% | 3.90% | $19.81 |
| 04/11/2013 | 04/11/2013 | $0.188 | 4.05% | 4.11% | $18.27 |
| 01/11/2013 | 01/11/2013 | $0.188 | 3.92% | 4.02% | $18.68 |
| 10/11/2012 | 10/11/2012 | $0.182 | 3.77% | 3.77% | $19.31 |
| 07/11/2012 | 07/11/2012 | $0.182 | 4.05% | 4.08% | $17.81 |
| 04/11/2012 | 04/11/2012 | $0.182 | 4.47% | 4.55% | $16.00 |
| 01/11/2012 | 01/11/2012 | $0.182 | 4.34% | 4.46% | $16.32 |
| 10/12/2011 | 10/12/2011 | $0.176 | 4.80% | 4.80% | $14.64 |
| 07/13/2011 | 07/13/2011 | $0.176 | 4.33% | 4.37% | $16.08 |
| 04/13/2011 | 04/13/2011 | $0.176 | 4.07% | 4.14% | $16.99 |
| 01/12/2011 | 01/12/2011 | $0.176 | 4.17% | 4.28% | $16.44 |
| 10/13/2010 | 10/13/2010 | $0.170 | 4.20% | 4.20% | $16.18 |
| 07/13/2010 | 07/13/2010 | $0.170 | 4.40% | 4.44% | $15.27 |
| 04/13/2010 | 04/13/2010 | $0.170 | 4.06% | 4.13% | $16.42 |
| 01/13/2010 | 01/13/2010 | $0.170 | 4.04% | 4.15% | $16.35 |
| 10/14/2009 | 10/14/2009 | $0.164 | 3.49% | 3.49% | $18.74 |
| 07/15/2009 | 07/15/2009 | $0.164 | 3.31% | 3.38% | $19.39 |
| 04/14/2009 | 04/14/2009 | $0.164 | 4.16% | 4.32% | $15.15 |
| 01/13/2009 | 01/13/2009 | $0.164 | 3.58% | 3.79% | $17.27 |
| 10/15/2008 | 10/15/2008 | $0.152 | 3.57% | 3.57% | $16.99 |
| 07/11/2008 | 07/11/2008 | $0.152 | 3.38% | 3.45% | $17.56 |
| 04/11/2008 | 04/11/2008 | $0.152 | 3.10% | 3.23% | $18.76 |
| 01/11/2008 | 01/11/2008 | $0.152 | 3.13% | 3.33% | $18.18 |
| 10/11/2007 | 10/11/2007 | $0.139 | 3.06% | 3.06% | $18.21 |
| 07/12/2007 | 07/12/2007 | $0.139 | 2.76% | 2.82% | $19.79 |
| 04/12/2007 | 04/12/2007 | $0.139 | 2.71% | 2.83% | $19.68 |
| 01/12/2007 | 01/12/2007 | $0.139 | 2.78% | 3.01% | $18.52 |
| 10/12/2006 | 10/12/2006 | $0.127 | 2.63% | 2.69% | $18.91 |
| 07/12/2006 | 07/12/2006 | $0.127 | 2.50% | 2.69% | $18.94 |
| 04/11/2006 | 04/11/2006 | $0.121 | 2.43% | 2.62% | $18.54 |
| 01/11/2006 | 01/11/2006 | $0.121 | 2.34% | 2.63% | $18.47 |
| 10/13/2005 | 10/13/2005 | $0.104 | 2.31% | 2.31% | $18.01 |
| 07/13/2005 | 07/13/2005 | $0.104 | 2.22% | 2.25% | $18.47 |
| 04/13/2005 | 04/13/2005 | $0.104 | 2.30% | 2.36% | $17.58 |
| 01/12/2005 | 01/12/2005 | $0.104 | 1.95% | 2.03% | $20.46 |
| 10/13/2004 | 10/13/2004 | $0.098 | 2.27% | 2.27% | $17.28 |
| 07/13/2004 | 07/13/2004 | $0.098 | 2.27% | 2.30% | $17.07 |
| 04/13/2004 | 04/13/2004 | $0.098 | 2.46% | 2.53% | $15.51 |
| 01/13/2004 | 01/13/2004 | $0.098 | 2.39% | 2.50% | $15.73 |
| 10/10/2003 | 10/10/2003 | $0.092 | 2.33% | 2.33% | $15.87 |
| 07/11/2003 | 07/11/2003 | $0.092 | 2.40% | 2.45% | $15.08 |
| 04/11/2003 | 04/11/2003 | $0.092 | 3.09% | 3.23% | $11.45 |
| 01/13/2003 | 01/13/2003 | $0.092 | 3.01% | 3.22% | $11.49 |
| 10/10/2002 | 10/10/2002 | $0.085 | 3.01% | 3.01% | $11.27 |
| 07/11/2002 | 07/11/2002 | $0.085 | 2.97% | 3.03% | $11.16 |
| 04/11/2002 | 04/11/2002 | $0.085 | 3.15% | 3.30% | $10.25 |
| 01/11/2002 | 01/11/2002 | $0.085 | 3.17% | 3.40% | $9.95 |
| 10/12/2001 | 10/12/2001 | $0.077 | 3.13% | 3.13% | $9.85 |
| 07/12/2001 | 07/12/2001 | $0.077 | 3.55% | 3.69% | $8.35 |
| 04/11/2001 | 04/11/2001 | $0.077 | 3.72% | 4.02% | $7.65 |
| 01/11/2001 | 01/11/2001 | $0.077 | 3.62% | 4.08% | $7.55 |
| 10/12/2000 | 10/12/2000 | $0.065 | 3.34% | 3.50% | $7.48 |
| 04/13/2000 | 04/13/2000 | $0.065 | 3.22% | 3.53% | $7.41 |
| 01/12/2000 | 01/12/2000 | $0.065 | 2.87% | 3.31% | $7.91 |
Dividend Payout Ratio
Tracks the percentage of earnings paid out as dividends each quarter. Lower and stable ratios often indicate safer, more sustainable payouts.
Dividend to Free Cash Flow Ratio
Shows dividends as a percentage of free cash flow. Consistently high values may signal limited reinvestment capacity or potential dividend risk.
Share Price
Historical closing price with range controls. Table view includes quarter‑over‑quarter and year‑over‑year changes for additional context.
Price to Earnings
NWFL trades at a 37.3x price-to-earnings ratio. This elevated valuation suggests investors expect strong future growth.
Price to Sales
NWFL trades at a 10.9x price-to-sales ratio, providing insight into market valuation relative to revenue generation.
Revenue
NWFL generated $0.0B in revenue.
Net Income
NWFL reported $0.0B in net income. Net income has grown by 75% over the period.
Revenue vs Net Income
NWFL generated $0.0B in revenue with net income of $0.0B, representing a 29.1% net profit margin.
Gross Profit
NWFL achieved $0.0B in gross profit, showing revenue after direct production costs.
Operating Income
NWFL generated $0.0B in operating income, representing profit from core business operations.
EBITDA
NWFL generated $0.0B in EBITDA, measuring operational profitability before interest, taxes, depreciation, and amortization.
Operating Cash Flow
NWFL generated $0.0B in operating cash flow, demonstrating the company’s ability to convert earnings into cash.
Free Cash Flow
NWFL generated $0.0B in free cash flow. Free cash flow has increased by 56% over the period.
Free Cash Flow / Share
NWFL generates $0.69 in free cash flow per share. FCF per share has grown by 56% over the period.
Earnings Per Share (EPS)
NWFL reported $0.67 in earnings per share. EPS has grown by 75% over the period.
Return on Equity (ROE)
NWFL delivered a 24.3% return on equity, indicating how effectively the company generates returns for shareholders.
Return on Assets (ROA)
NWFL achieved a 14.6% return on assets, measuring how efficiently the company uses its assets to generate profit.
Net Profit Margin
NWFL maintains a 29.1% net profit margin, showing the percentage of revenue retained as profit after all expenses.
Gross Profit Margin
NWFL operates with a 78.1% gross profit margin, reflecting pricing power and cost efficiency in core operations.
Cash & Debt
NWFL holds $0.0B in cash against $0.0B in debt, resulting in a net cash position of $0.0B.
Shares Outstanding
NWFL has 0.0B shares outstanding.
Stock-Based Comp
NWFL reported $0.0B in stock-based compensation.
FCF vs Stock Based Comp
NWFL generated $0.0B in free cash flow while spending $0.0B on stock-based compensation, representing 8% of FCF.
FCF vs FCF / Share
NWFL reported $0.0B in free cash flow, translating to $0.69 per share.
Revenue: Actual + Estimates
This chart tracks NWFL revenue: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.
EPS: Actual + Estimates
This chart tracks NWFL eps: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.
Net Income: Actual + Estimates
This chart tracks NWFL net income: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.
EBITDA: Actual + Estimates
This chart tracks NWFL ebitda: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.
