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NWFL Quote, Financials, Valuation and Earnings
Last price:
$28.84
Seasonality move
:
1.36%
Day range:
$28.77 - $29.28
52-week range:
$21.25 - $31.04
Dividend yield:
4.31%
P/E ratio:
43.95x
P/S ratio:
2.30x
P/B ratio:
1.13x
Volume:
10.9K
Avg. volume:
30.1K
1-year change:
-4.89%
Market cap:
$266.5M
Revenue:
$101.4M
EPS (TTM):
$0.65
Analysts' Opinion
-
Consensus RatingNorwood Financial Corp. has received a consensus rating of Leans Bullish. The company's average rating is a Leans Bullish based on 1 Buy rating, 1 Hold rating, and 0 Sell ratings.
-
Price Target DownsideAccording to analysts' consensus price target of $28.00, Norwood Financial Corp. has an estimated downside of -2.68% from its current price of $28.77.
-
Price Target UpsideAccording to analysts, the highest upside price target is $28.00 representing -100% upside increase from its current price of $28.77.
Fair Value
-
According to the consensus of 2 analysts, Norwood Financial Corp. has -2.68% downside to fair value with a price target of $28.00 per share.
NWFL vs. S&P 500
-
Over the past 5 trading days, Norwood Financial Corp. has overperformed the S&P 500 by 1.01% suggesting its relative strength compared to the major market average is strong at this time.
Share Buyback
-
Norwood Financial Corp. does have a share repurchase program in place at this time. The scale of a buyback program can materially affect share price and usually results in a higher earnings per share, all else being equal, when the share count drops.
Revenue Growth
-
Norwood Financial Corp. has grown year-over-year revenues for 3 quarters straight. In the most recent quarter Norwood Financial Corp. reported revenues of $34.7M.
Earnings Growth
-
Norwood Financial Corp. has grown year-over-year earnings for 3 quarters straight. In the most recent quarter Norwood Financial Corp. reported earnings per share of $0.89.
Enterprise value:
338.6M
EV / Invested capital:
1.10x
Price / LTM sales:
2.30x
EV / EBIT:
5.78x
EV / Revenue:
3.02x
PEG ratio (5yr expected):
--
EV / Free cash flow:
13.71x
Price / Operating cash flow:
10.48x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
0.33%
Net Income Margin (TTM):
6.82%
Return On Equity:
3.51%
Return On Invested Capital:
2.12%
Operating Margin:
30.35%
| Trailing 12 Months | Fiscal Quarters | |||||
|---|---|---|---|---|---|---|
| Period Ending | 2023-09-30 | 2024-09-30 | 2025-09-30 | 2024-09-30 | 2025-09-30 | |
| Income Statement | ||||||
| Revenue | $97.7M | $117.8M | $112.3M | $30.8M | $34.7M | |
| Gross Profit | -- | -- | -- | -- | -- | |
| Operating Income | $29.4M | $16.3M | $9.6M | $4.9M | $10.5M | |
| EBITDA | -- | -- | -- | -- | -- | |
| Diluted EPS | $2.90 | $1.59 | $0.65 | $0.48 | $0.89 | |
| Period Ending | 2021-09-30 | 2022-09-30 | 2023-09-30 | 2024-09-30 | 2025-09-30 | |
|---|---|---|---|---|---|---|
| Balance Sheet | ||||||
| Current Assets | $227.9M | $47.5M | $62.2M | $90.9M | $83.4M | |
| Total Assets | $2.1B | $2B | $2.2B | $2.3B | $2.4B | |
| Current Liabilities | $1B | $1.1B | $1.5B | $966.5M | $1B | |
| Total Liabilities | $1.9B | $1.9B | $2B | $2.1B | $2.2B | |
| Total Equity | $202.6M | $158.8M | $164.7M | $195.7M | $234.9M | |
| Total Debt | $116.1M | $4.2M | $141.4M | $145M | $72.1M | |
| Trailing 12 Months | Fiscal Quarters | |||||
|---|---|---|---|---|---|---|
| Period Ending | 2023-09-30 | 2024-09-30 | 2025-09-30 | 2024-09-30 | 2025-09-30 | |
| Cash Flow Statement | ||||||
| Cash Flow Operations | $29.5M | $24.7M | $29.8M | $4.6M | $9.3M | |
| Cash From Investing | -$151.8M | -$50.9M | -$148.2M | -$19.9M | -$21.2M | |
| Cash From Financing | $135.6M | $55M | $110.3M | $28.7M | $33.5M | |
| Free Cash Flow | $25.6M | $22.1M | $24.7M | $4.1M | $8.3M | |
NWFL
Sector
Market Cap
$266.5M
$555.9M
Price % of 52-Week High
92.69%
89.84%
Dividend Yield
4.31%
1.65%
Shareholder Yield
4.73%
3.16%
1-Year Price Total Return
-4.89%
1.51%
Beta (5-Year)
0.593
0.481
Dividend yield:
4.31%
Annualized payout:
$1.20
Payout ratio:
34.66%
Growth streak:
6 years
Technicals
8-day SMA
Buy
Level
$28.51
200-day SMA
Buy
Level
$25.54
Bollinger Bands (100)
Buy
Level
24.71 - 27.21
Chaikin Money Flow
Buy
Level
206.5K
20-day SMA
Buy
Level
$27.65
Relative Strength Index (RSI14)
Buy
Level
67.07
ADX Line
Buy
Level
29.92
Williams %R
Neutral
Level
-20.6771
50-day SMA
Buy
Level
$26.47
MACD (12, 26)
Buy
Level
0.66
25-day Aroon Oscillator
Buy
Level
88
On Balance Volume
Sell
Level
-511.2K
Financial Scores
Sell
Altman Z-Score
(Annual)
Level (-0.5749)
Sell
CA Score
(Annual)
Level (-2.2436)
--
Beneish M-Score
(Annual)
Level (--)
Sell
Momentum Score
Level (5)
Buy
Ohlson Score
Level (-49.6726)
Buy
Piotroski F Score
(Annual)
Level (4)
Buy
Quality Ratio Score
Level (2)
Buy
Fundamental Score
Level (7)
Revenue Forecast
Earnings per Share Forecast
Company Profile
Norwood Financial Corp. is a bank holding company, which offers financial services and traditional banking to individual, business and government customers. It offers debit cards, savings accounts, personal loans, credit card, business lending, and wealth management. The company was founded in 1995 and is headquartered in Honesdale, PA.
Stock Forecast FAQ
In the current month, NWFL has received 1 Buy ratings 1 Hold ratings, and 0 Sell ratings. The NWFL average analyst price target in the past 3 months is $28.00.
-
Where Will Norwood Financial Corp. Stock Be In 1 Year?
According to analysts, the consensus estimate is that Norwood Financial Corp. share price will drop to $28.00 per share over the next 12 months.
-
What Do Analysts Say About Norwood Financial Corp.?
Analysts are divided on their view about Norwood Financial Corp. share price and where it will be in the next 12 months. The majority of analysts rate the stock a Buy. However, a smaller subset of analysts suggest that Norwood Financial Corp. is a Sell and believe this share price will rise from its current level to $28.00.
-
What Is Norwood Financial Corp.'s Price Target?
The price target for Norwood Financial Corp. over the next 1-year time period is forecast to be $28.00 according to 2 Wall Street analysts, 1 of them rates the stock a Buy, 0 rate the stock a Sell, and 1 analyst rates the stock a Hold.
-
Is NWFL A Buy, Sell Or Hold?
According to Wall Street analysts, the consensus rating for Norwood Financial Corp. is a Leans Bullish. 1 of 2 analysts rates the stock a Leans Bullish at this time.
-
How Can I Buy Shares Of NWFL?
You can purchase shares of Norwood Financial Corp. via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase Norwood Financial Corp. shares.
-
What Is The Norwood Financial Corp. Share Price Today?
Norwood Financial Corp. was last trading at $28.84 per share. This represents the most recent stock quote for Norwood Financial Corp.. Yesterday, Norwood Financial Corp. closed at $28.77 per share.
-
How To Buy Norwood Financial Corp. Stock Online?
In order to purchase Norwood Financial Corp. stock online, open a brokerage account, deposit funds into the account, and select an order type to purchase shares whether it be market or limit.
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Financial Ratios
NWFL
Sector
P/E ratio
43.95x
11.82x
PEG ratio
--
0.31x
P/B ratio
1.13x
1.08x
Price / LTM sales
2.30x
1.79x
Growth Metrics
NWFL
Sector
Revenue growth
12.75%
5.54%
Earnings growth
87.37%
14.72%
Revenue (5-year growth)
13.42%
8.86%
Earnings forecast
$0.71
$0.62
Profitability
NWFL
Sector
Profitability FY 2024
--
--
Return on invested capital
2.12%
5.04%
Return on assets
0.33%
1.02%
Return on equity
3.51%
9.7%
Earnings Date
Last Earnings Date
Oct
22
Next Earnings Date
Jan
27
Estimated Next Earnings Date
Jan
21
Balance Sheet
NWFL
Sector
Total cash
$350.6M
$436.6M
Short term investments
$397.8M
$211.5M
Total assets
$2.3B
$3.1B
Long term debt
$72.1M
$84.4M
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