First Bancorp vs Norwood Financial
First Bancorp and Norwood Financial are similar in size: $94.7m and $87.9m of revenue in their latest fiscal years. Norwood Financial grew faster (72.3% against 18.0%). First Bancorp kept more of each dollar of sales as profit: a net margin of 36.3% against 31.6%.
| Latest fiscal year | First BancorpFNLC, 2025 | Norwood FinancialNWFL, 2025 |
|---|---|---|
| Revenue | $94.7m | $87.9m |
| Revenue growth | 18.0% | 72.3% |
| Net income | $34.4m | $27.8m |
| Operating margin | — | — |
| Net margin | 36.3% | 31.6% |
| Return on equity | 12.8% | 12.2% |
| Free cash flow | $34.6m | $29.2m |
| Cash | $27.8m | $44.4m |
| Total debt | $188m | $14.7m |
| Debt to equity | — | — |
| Dividend per share | $1.47 | $1.25 |
| Dividend yield | 4.0% | 3.3% |
| Share buybacks | $282,000 | $361,000 |
| Employees | 283 | — |
| Market value | $410m | $391m |
| Price vs our value range | — | — |
| Moat score | 79 (Strong) | 49 (Moderate) |
| Insider trades, 12 months | 0 buys, 0 sales | 0 buys, 0 sales |