Basis: Latest reported fiscal quarter. Source: stored company filings and market data; unavailable inputs remain N/A.
Is the debt to assets ratio high or low?
The debt to assets ratio of 2.25% is 62% below its 5-year average of 5.86%, near the low end of its 5-year range (2.25%–11.07%).
As of the fiscal period ended Tuesday, June 30, 2026. 29.83% below its 12-month average of 3.21%.
Reported quarterly debt to assets ratio; no daily interpolation. Q2 FY2026 (2026-06-30): 2.25%.
DEBT TO ASSETS RATIO
2.25%
DEBT TO ASSETS RATIO AVG TTM
3.21%
DEBT TO ASSETS RATIO AVG 3Y
6.17%
DEBT TO ASSETS RATIO AVG 5Y
5.86%
DEBT TO ASSETS RATIO AVG 10Y
6.42%
DEBT TO ASSETS RATIO AVG 15Y
7.25%
DEBT TO ASSETS RATIO AVG 20Y
8.33%
CURRENT VS TTM AVG
-29.83%
CURRENT VS 3Y AVG
-63.47%
CURRENT VS 5Y AVG
-61.52%
CURRENT VS 10Y AVG
-64.92%
CURRENT VS 15Y AVG
-68.92%
CURRENT VS 20Y AVG
-72.97%
SECTOR MEDIAN · FINANCIAL SERVICES
0.05%
median of 739 covered companies
CURRENT VS SECTOR MEDIAN
+4405.84%
vs the sector median at left
Norwood Financial Corp.
Market Cap
$371.48M
Debt to Assets Ratio
2.25%
TTM Avg
3.21%
3Y Avg
6.17%
5Y Avg
5.86%
Market Cap
$373.54M
Debt to Assets Ratio
0.00%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$368.87M
Debt to Assets Ratio
0.09%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$368.74M
Debt to Assets Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$378.43M
Debt to Assets Ratio
0.85%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$379.32M
Debt to Assets Ratio
0.07%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$363.29M
Debt to Assets Ratio
0.00%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$362.01M
Debt to Assets Ratio
0.00%
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$360.69M
Debt to Assets Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
| NAME | MARKET CAP | DEBT TO ASSETS RATIO | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Norwood Financial Corp. (NWFL) | $371.48M | 2.25% | 3.21% | 6.17% | 5.86% |
| Siddhi Acquisition Corp (SDHI)vs › | $373.54M | 0.00% | N/A | N/A | N/A |
| Northeast Community Bancorp, Inc. (NECB)vs › | $368.87M | 0.09% | N/A | N/A | N/A |
| GSR V Acquisition Corp. (GSRV)vs › | $368.74M | N/A | N/A | N/A | N/A |
| Oportun Financial Corporation (OPRT)vs › | $378.43M | 0.85% | N/A | N/A | N/A |
| The First Bancorp, Inc. (FNLC)vs › | $379.32M | 0.07% | N/A | N/A | N/A |
| Titan Acquisition Corp. (TACH)vs › | $363.29M | 0.00% | N/A | N/A | N/A |
| OTG Acquisition Corp. I Class A Ordinary Share (OTGA)vs › | $362.01M | 0.00% | N/A | N/A | N/A |
| Gores Holdings XI, Inc. Class A Ordinary Shares (GHXI)vs › | $360.69M | N/A | N/A | N/A | N/A |
| Waterstone Financial, Inc. (WSBF)vs › | $360.25M | 0.18% | N/A | N/A | N/A |
Debt/Assets
2.3%
Debt/Equity
0.23
Current ratio and interest coverage is unavailable for Norwood Financial Corp.: applicability has not been verified for this financial-services business. The current sector-based policy withholds this model until its treatment of debt, cash and cash flows is confirmed for the company.
Formula: Debt/Assets = Total Debt / Total Assets × 100
Debt/Assets vs Debt/Equity:
Industry context matters: Capital-intensive industries (utilities, real estate) typically have higher Debt/Assets ratios than tech companies.
Debt/Assets ratio shows what percentage of a company's assets are financed by debt. Compare the current value with the historical chart and peer group to understand leverage over time.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | DEBT TO ASSETS RATIO |
|---|---|
| 2026-06-30 | 2.25% |
| 2026-03-31 | 3.03% |
| 2025-12-31 | 3.06% |
| 2025-09-30 | 2.99% |
| 2025-06-30 | 4.73% |
| 2025-03-31 | 4.99% |
| 2024-12-31 | 8.41% |
| 2024-09-30 | 6.03% |
| 2024-06-30 | 6.73% |
| 2024-03-31 | 9.34% |
| 2023-12-31 | 7.65% |
| 2023-09-30 | 11.07% |
| 2023-06-30 | 9.90% |
| 2023-03-31 | 7.07% |
| 2022-12-31 | 8.46% |
| 2022-09-30 | 3.55% |
| 2022-06-30 | 3.62% |
| 2022-03-31 | 4.35% |
| 2021-12-31 | 4.39% |
| 2021-09-30 | 5.42% |
| 2021-06-30 | 5.92% |
| 2021-03-31 | 5.59% |
| 2020-12-31 | 5.71% |
| 2020-09-30 | 6.28% |
| 2020-06-30 | 7.83% |
| 2020-03-31 | 7.41% |
| 2019-12-31 | 9.65% |
| 2019-09-30 | 7.29% |
| 2019-06-30 | 7.54% |
| 2019-03-31 | 7.13% |
| 2018-12-31 | 8.89% |
| 2018-09-30 | 7.73% |
| 2018-06-30 | 6.40% |
| 2018-03-31 | 5.59% |
| 2017-12-31 | 6.93% |
| 2017-09-30 | 6.98% |
| 2017-06-30 | 5.99% |
| 2017-03-31 | 5.15% |
| 2016-12-31 | 5.83% |
| 2016-09-30 | 6.73% |
| 2016-06-30 | 9.73% |
| 2016-03-31 | 12.04% |
| 2015-12-31 | 12.57% |
| 2015-09-30 | 9.44% |
| 2015-06-30 | 9.45% |
| 2015-03-31 | 7.95% |
| 2014-12-31 | 6.73% |
| 2014-09-30 | 9.37% |
| 2014-06-30 | 8.51% |
| 2014-03-31 | 9.06% |
| 2013-12-31 | 10.36% |
| 2013-09-30 | 8.30% |
| 2013-06-30 | 7.49% |
| 2013-03-31 | 6.93% |
| 2012-12-31 | 7.61% |
| 2012-09-30 | 8.58% |
| 2012-06-30 | 8.00% |
| 2012-03-31 | 6.34% |
| 2011-12-31 | 10.65% |
| 2011-09-30 | 8.79% |
| 2011-06-30 | 10.65% |
| 2011-03-31 | 11.39% |
| 2010-12-31 | 13.28% |
| 2010-09-30 | 11.70% |
| 2010-06-30 | 12.33% |
| 2010-03-31 | 12.30% |
| 2009-12-31 | 12.99% |
| 2009-09-30 | 12.15% |
| 2009-06-30 | 13.29% |
| 2009-03-31 | 14.16% |
| 2008-12-31 | 16.09% |
| 2008-09-30 | 15.36% |
| 2008-06-30 | 13.23% |
| 2008-03-31 | 10.54% |
| 2007-12-31 | 10.34% |
| 2007-09-30 | 9.65% |
| 2007-06-30 | 8.89% |
| 2007-03-31 | 9.32% |
| 2006-12-31 | 7.87% |
| 2006-09-30 | 7.30% |
| 2006-06-30 | 10.70% |
| 2006-03-31 | 9.85% |
| 2005-12-31 | 9.59% |
| 2005-09-30 | 8.11% |
| 2005-06-30 | 8.03% |
| 2005-03-31 | 11.61% |
| 2004-12-31 | 11.17% |
| 2004-09-30 | 8.58% |
| 2004-06-30 | 9.51% |
| 2004-03-31 | 8.36% |
| 2003-12-31 | 9.25% |
| 2003-09-30 | 8.38% |
| 2003-06-30 | 8.00% |
| 2003-03-31 | 8.35% |
| 2002-12-31 | 8.71% |
| 2002-09-30 | 10.11% |
