Norwood Financial Corp (NWFL) Stock Price

NWFLStock

$34.15+26.62%52W

Market Cap$372.31M

P/E13.52x

PEG Ratio2.36

Div yield3.71%

Beta0.54

NWFL Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)5.26%

Price vs S&P 500 (4W)-1.48%

PEG Ratio2.36

VGM Score61.64

P/E Ratio (Annual)13.52x

Indicated Dividend Yield (Annual)3.71%

P/CF (Annual)11.05x

Book Value / Share (Quarterly)$26.59

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)8.93%

EPS (TTM)$2.89

10-Day Avg Trading Volume0.03M

EPS Excl Extra (TTM)$2.89

EPS (Annual)$3.01

Dividend / Share (Annual)$1.24

ROI (Annual)11.46%

P/E Basic Excl Extra (TTM)13.01x

EPS Growth (5Y)7.58%

P/E Normalized (Annual)13.52x

ROA (Last FY)1.14%

EBITD / Share (TTM)$3.52

ROE (5Y Avg)10.06%

Cash Flow / Share (Annual)$3.15

P/B Ratio1.30x

P/B Ratio (Quarterly)1.21x

Net Income / Employee (Annual)$100,900

ROA (TTM)1.08%

EPS Growth QoQ (YoY)27.65%

EV / EBITDA (TTM)9.58x

EPS Incl Extra (Annual)$3.01

3-Month Avg Trading Volume0.03M

52-Week Price Return26.62%

EV / Free Cash Flow (Annual)12.83x

P/E Incl Extra (TTM)13.01x

Tangible BV / Share (Quarterly)$26.30

52-Week High$35.45

EPS Excl Extra (Annual)$3.01

CapEx CAGR (5Y)44.47%

Tangible BV CAGR (5Y)4.47%

26-Week Price Return17.19%

13-Week Price Return11.17%

Total Debt / Equity (Annual)0.00x

Enterprise Value$375.25M

Book Value / Share Growth (5Y)1.87%

3-Month Return Std Dev25.71%

Net Income / Employee (TTM)$104,900

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)14.09x

EV / Free Cash Flow (TTM)14.09x

Total Debt / Equity (Quarterly)0.00x

EPS Incl Extra (TTM)$2.89

ROI (TTM)10.83%

Dividend Growth Rate (5Y)4.33%

Tangible BV / Share (Annual)$26.02

Forward P/E9.22x

Free OCF CAGR (5Y)17.52%

Price vs S&P 500 (52W)8.06%

P/E Ratio (TTM)13.01x

EPS Growth TTM (YoY)1391.28%

Year-to-Date Return21.75%

5-Day Price Return0.15%

EPS Normalized (Annual)$3.01

ROA (5Y Avg)0.90%

Month-to-Date Return0.47%

EBITD / Share (Annual)$3.95

EPS Growth (3Y)-5.61%

P/CF (TTM)12.16x

ROI (5Y Avg)8.10%

P/E Excl Extra (TTM)13.01x

LT Debt / Equity (Quarterly)0.07x

EPS Basic Excl Extra (TTM)$2.89

P/TBV (Quarterly)1.22x

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)9.21%

Dividend Yield (TTM)3.23%

Beta0.54x

P/FCF (Annual)12.83x

ROE (TTM)10.98%

52-Week Low$23.82

vGradeC

gGradeB

mGradeB

vgmGradeB

NWFL Earnings Surprise History

Quarter	Report date	EPS estimate	EPS actual	Surprise
Q2 2026	Jul 22, 2026	$0.86	$0.86	-0.58%(-$0.01)
Q1 2026	Apr 27, 2026	$0.81	$0.72	-10.56%(-$0.09)
Q4 2025	Jan 22, 2026	$0.84	$0.84	-0.59%(-$0.01)
Q3 2025	Oct 22, 2025	$0.70	$0.89	+26.24%(+$0.19)
Q2 2025	Jul 22, 2025	$0.66	$0.67	+1.52%(+$0.01)

NWFL Analyst Recommendations

May 2026

Jun 2026

Jul 2026

Aug 2026

4.00

Industry Peers — State Banks(189)

Symbol	Value Score	Growth Score	Momentum Score	Price
NWFLNorwood Financial Corp	C	B	B	$34.15
BNSBank of Nova Scotia	C	C	A	$92.39
BNYBank of New York Mellon Corporation	F	B	A	$162.50
ITUBItau Unibanco Holding S.A. American Depositary Shares	B	D	D	$7.50
DBDeutsche Bank Aktiengesellschaft	A	C	B	$40.36
STTState Street Corporation	C	B	A	$193.33
XLFState Street Financial Select Sector SPDR ETF	—	—	C	$58.10
FITBFifth Third Bancorp	D	C	C	$54.54
BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares)	A	D	D	$3.25
MTBM&T Bank Corp.	C	B	C	$237.29
NTRSNorthern Trust Corp	D	C	B	$186.79
BBDOBanco Bradesco S.A. American Depositary Shares (Each representing one Common Share, no par value)	A	D	D	$3.03
CFGCitizens Financial Group, Inc.	C	C	B	$69.71
FCNCAFirst Citizens BancShares Inc	C	B	C	$2194.07
EWBCEast-West Bancorp Inc	C	B	C	$129.44
ALLYAlly Financial Inc.	A	C	D	$42.18
BPOPPopular Inc	C	C	B	$169.75
WTFCWintrust Financial Corp	B	B	D	$152.95
SSBSouthState Bank Corporation	C	B	C	$105.98
PBProsperity Bancshares Inc	D	D	D	$72.30
WALWestern Alliance Bancorporation	B	B	D	$78.53
COLBColumbia Banking Systems Inc	B	C	D	$30.07
CBSHCommerce Bancshares Inc	C	D	D	$58.04
CBCCentral Bancompany, Inc. Class A Common Stock	D	C	A	$32.60
UBSIUnited Bankshares Inc	C	C	C	$47.60
GBCIGlacier Bancorp Inc	D	C	D	$46.88
HWCHancock Whitney Corporation Common Stock	C	C	C	$75.07
HOMBHome BancShares, Inc.	C	D	D	$29.62
ASBAssociated Banc-Corp	B	C	C	$30.92
AUBAtlantic Union Bankshares Corporation	C	B	D	$40.66
ABCBAmeris Bancorp	D	C	D	$85.59
FFINFirst Financial Bankshares Inc	D	D	F	$33.39
SFBSServisFirst Bancshares Inc.	D	B	D	$43.20
IBOCInternational Bancshares Corp	C	C	F	$70.93
TCBITexas Capital Bancshares, Inc.	C	C	D	$98.64
FBPFirst BanCorp.	C	C	B	$28.01
UCBUnited Community Banks, Inc.	B	B	D	$35.18
CATYCathay General Bancorp	C	C	C	$61.87
CVBFCVB Financial Corp	D	D	D	$22.19
INDBIndependent Bank Corp/MA	C	C	D	$82.06
RNSTRenasant Corporation	C	B	D	$41.09
FIBKFirst Interstate BancSystem, Inc. Common Stock (DE)	B	B	D	$37.04
MCHBMechanics Bancorp Class A Common Stock	D	C	C	$15.89
SBCFSeacoast Banking Corp of Florida	D	B	C	$34.37
FHBFirst Hawaiian, Inc. Common Stock	B	D	F	$25.79
BOHBank of Hawaii Corp.	C	C	D	$77.29
FBKFB Financial Corporation	D	B	D	$57.85
CUBICUSTOMERS BANCORP INC	B	B	D	$78.58
FBNCFirst Bancorp/NC	D	C	C	$63.99
BUSEFirst Busey Corporation Class A Common Stock	B	C	B	$30.29
SYBTStock Yards Bancorp, Inc.	D	C	C	$79.84

About Norwood Financial Corp

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.