Norwood Financial Corp (NWFL)

Price$30.02

Value ScoreC

Growth ScoreC

Momentum ScoreC

Favorite Metrics

Price vs S&P 500 (26W)-3.68%

Price vs S&P 500 (4W)-7.05%

VGM Score50.35

Market Capitalization$329.23M

P/E Ratio (Annual)11.86x

Indicated Dividend Yield (Annual)4.23%

All Metrics

P/CF (Annual)9.69x

Book Value / Share (Quarterly)$26.07

P/TBV (Annual)1.07x

Indicated Dividend (Annual)$1.28

Cash Flow / Share (Quarterly)$2.44

Payout Ratio (TTM)47.14%

Price vs S&P 500 (YTD)-3.16%

EPS (TTM)$2.70

10-Day Avg Trading Volume0.02M

EPS Excl Extra (TTM)$2.70

EPS (Annual)$3.01

Dividend / Share (Annual)$1.24

ROI (Annual)11.46%

P/E Basic Excl Extra (TTM)12.80x

EPS Growth (5Y)7.58%

P/E Normalized (Annual)11.86x

ROA (Last FY)1.14%

EBITD / Share (TTM)$3.52

ROE (5Y Avg)10.06%

Cash Flow / Share (Annual)$3.15

P/B Ratio1.16x

P/B Ratio (Quarterly)1.13x

Net Income / Employee (Annual)$100,900

ROA (TTM)1.02%

EPS Growth QoQ (YoY)-44.70%

EV / EBITDA (TTM)9.58x

EPS Incl Extra (Annual)$3.01

3-Month Avg Trading Volume0.03M

52-Week Price Return16.67%

EV / Free Cash Flow (Annual)11.26x

P/E Incl Extra (TTM)12.80x

Tangible BV / Share (Quarterly)$25.77

52-Week High$32.23

EPS Excl Extra (Annual)$3.01

CapEx CAGR (5Y)44.47%

Tangible BV CAGR (5Y)4.47%

26-Week Price Return12.25%

13-Week Price Return-0.03%

Total Debt / Equity (Annual)0.00x

Enterprise Value$329.23M

Book Value / Share Growth (5Y)1.87%

3-Month Return Std Dev28.37%

Net Income / Employee (TTM)$93,500

EBITDA CAGR (5Y)13.10%

EBITDA Interim CAGR (5Y)-6.04%

ROE (Last FY)11.46%

EPS Basic Excl Extra (Annual)$3.01

P/FCF (TTM)12.37x

EV / Free Cash Flow (TTM)12.37x

Total Debt / Equity (Quarterly)0.00x

EPS Incl Extra (TTM)$2.70

ROI (TTM)10.01%

Dividend Growth Rate (5Y)4.33%

Tangible BV / Share (Annual)$26.02

Forward P/E8.54x

Free OCF CAGR (5Y)17.52%

Price vs S&P 500 (52W)-11.53%

P/E Ratio (TTM)12.80x

EPS Growth TTM (YoY)6112.18%

Year-to-Date Return7.77%

5-Day Price Return0.83%

EPS Normalized (Annual)$3.01

ROA (5Y Avg)0.90%

Month-to-Date Return3.28%

EBITD / Share (Annual)$3.95

EPS Growth (3Y)-5.61%

P/CF (TTM)10.67x

ROI (5Y Avg)8.10%

P/E Excl Extra (TTM)12.80x

LT Debt / Equity (Quarterly)0.07x

EPS Basic Excl Extra (TTM)$2.70

P/TBV (Quarterly)1.14x

Payout Ratio (Annual)41.39%

P/B Ratio (Annual)1.07x

Dividend / Share (TTM)$1.20

Book Value / Share (Annual)$26.06

Price vs S&P 500 (13W)-9.78%

Dividend Yield (TTM)3.68%

Beta0.54x

P/FCF (Annual)11.26x

ROE (TTM)10.43%

52-Week Low$23.70

vGradeC

gGradeC

mGradeC

vgmGradeC

Show chart for

Earnings Surprise History

Q1 260.72est. 0.49

Analyst Recommendations

Feb 2026

Mar 2026

Apr 2026

May 2026

2.17

4.00

Industry Peers — State Banks(184)

Symbol	Value Score	Growth Score	Momentum Score	Price
NWFLNorwood Financial Corp	C	C	C	$30.02
BNSBank of Nova Scotia	C	C	B	$78.61
BKBank of New York Mellon Corporation	D	B	A	$137.16
ITUBItau Unibanco Holding S.A. American Depositary Shares	B	D	F	$7.79
DBDeutsche Bank Aktiengesellschaft	B	B	F	$32.19
FITBIFifth Third Bancorp Depositary Shares	D	C	C	$25.71
FITBMFifth Third Bancorp Depositary Shares Representing a 1/40th Ownership Interest in a Share of 6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series M	D	C	C	$26.26
FITBOFifth Third Bancorp Depositary Shares each representing a 1/1000th ownership interest in a share of Non-Cumulative Perpetual Preferred Stock, Series K	D	C	C	$18.52
FITBFifth Third Bancorp	D	C	C	$48.56
STTState Street Corporation	C	C	A	$159.79
BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares)	B	C	F	$3.47

About

Norwood Financial Corp is a bank holding company providing retail and commercial banking services, including personal and business credit, trust and investment products, and real estate settlement services. It operates across five counties in northeastern Pennsylvania: Wayne, Pike, Monroe, Lackawanna, and Susquehanna.