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Norwood Financial Corp (NWFL)
Price$30.63
Favorite Metrics
Price vs S&P 500 (26W)17.04%
Price vs S&P 500 (4W)4.55%
Market Capitalization$333.89M
P/E Ratio (Annual)12.03x
Indicated Dividend Yield (Annual)4.15%
All Metrics
P/CF (Annual)9.83x
Book Value / Share (Quarterly)$26.06
P/TBV (Annual)1.07x
Indicated Dividend (Annual)$1.24
Cash Flow / Share (Quarterly)$3.15
Payout Ratio (TTM)41.40%
Price vs S&P 500 (YTD)7.34%
EPS (TTM)$2.98
10-Day Avg Trading Volume0.02M
EPS Excl Extra (TTM)$2.98
EPS (Annual)$3.01
Dividend / Share (Annual)$1.24
ROI (Annual)11.46%
P/E Basic Excl Extra (TTM)12.03x
EPS Growth (5Y)7.58%
P/E Normalized (Annual)12.03x
ROA (Last FY)1.14%
EBITD / Share (TTM)$3.92
ROE (5Y Avg)10.06%
Cash Flow / Share (Annual)$3.15
P/B Ratio1.38x
P/B Ratio (Quarterly)1.07x
Net Income / Employee (Annual)$0
ROA (TTM)1.16%
EV / EBITDA (TTM)9.57x
EPS Incl Extra (Annual)$3.01
3-Month Avg Trading Volume0.03M
52-Week Price Return37.48%
EV / Free Cash Flow (Annual)11.92x
P/E Incl Extra (TTM)12.03x
Tangible BV / Share (Quarterly)$26.05
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 Return21.03%
13-Week Price Return9.94%
Total Debt / Equity (Annual)0.00x
Enterprise Value$348.607
Book Value / Share Growth (5Y)1.87%
3-Month Return Std Dev28.00%
Net Income / Employee (TTM)$0
EBITDA CAGR (5Y)13.10%
EBITDA Interim CAGR (5Y)6.46%
ROE (Last FY)11.46%
EPS Basic Excl Extra (Annual)$3.01
P/FCF (TTM)11.42x
EV / Free Cash Flow (TTM)11.92x
Total Debt / Equity (Quarterly)0.06x
EPS Incl Extra (TTM)$2.98
ROI (TTM)11.51%
Dividend Growth Rate (5Y)4.33%
Tangible BV / Share (Annual)$26.02
Forward P/E8.80x
Free OCF CAGR (5Y)17.52%
Price vs S&P 500 (52W)7.65%
P/E Ratio (TTM)12.03x
Year-to-Date Return9.98%
5-Day Price Return-1.63%
EPS Normalized (Annual)$3.01
ROA (5Y Avg)0.90%
Month-to-Date Return4.86%
EBITD / Share (Annual)$3.95
EPS Growth (3Y)-5.61%
P/CF (TTM)9.83x
ROI (5Y Avg)8.10%
P/E Excl Extra (TTM)12.03x
LT Debt / Equity (Quarterly)0.07x
EPS Basic Excl Extra (TTM)$2.98
P/TBV (Quarterly)1.07x
Payout Ratio (Annual)41.39%
P/B Ratio (Annual)1.07x
Dividend / Share (TTM)$1.24
Book Value / Share (Annual)$26.06
Price vs S&P 500 (13W)9.26%
Dividend Yield (TTM)3.44%
Beta0.60x
P/FCF (Annual)11.42x
ROE (TTM)12.03%
52-Week Low$21.99
Analyst Recommendations
Jan 2026
Feb 2026
Mar 2026
Apr 2026
4.13
2.17
4.00
4.00
Industry Peers — State Banks(184)
| Symbol | P/B Ratio (Quarterly) | ROE (TTM) | ROA (TTM) | Net Interest Coverage (TTM) | Price |
|---|---|---|---|---|---|
NWFLNorwood Financial Corp | 1.07x | 12.03% | 1.16% | — | $30.63 |
ITUBItau Unibanco Holding S.A. American Depositary Shares | 2.03x | 20.76% | 1.50% | — | $9.33 |
BNSBank of Nova Scotia | 1.45x | 10.41% | 0.62% | — | $75.00 |
BKBank of New York Mellon Corporation | 1.83x | 12.66% | 1.20% | — | $134.84 |
FITBFifth Third Bancorp | 1.42x | 11.96% | 1.19% | — | $49.52 |
FITBIFifth Third Bancorp Depositary Shares | 1.42x | 11.96% | 1.19% | — | $25.32 |
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 | 1.42x | 11.96% | 1.19% | — | $25.83 |
FITBOFifth Third Bancorp Depositary Shares each representing a 1/1000th ownership interest in a share of Non-Cumulative Perpetual Preferred Stock, Series K | 1.42x | 11.96% | 1.19% | — | $19.38 |
FITBPFifth Third Bancorp Depositary Shares each representing 1/40th share of Fifth Third 6.00% Non-Cumulative Perpetual Class B Preferred Stock, Series A | 1.42x | 11.96% | 1.19% | — | $24.05 |
BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares) | 1.04x | 9.84% | 0.81% | — | $4.15 |
BBDOBanco Bradesco S.A. American Depositary Shares (Each representing one Common Share, no par value) | 1.04x | 9.84% | 0.81% | — | $3.72 |
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.