Financhill
Sell
48

NWFL Quote, Financials, Valuation and Earnings

Last price:
$30.06
Seasonality move :
1.94%
Day range:
$29.58 - $30.53
52-week range:
$21.25 - $32.23
Dividend yield:
4.11%
P/E ratio:
10.14x
P/S ratio:
2.07x
P/B ratio:
1.37x
Volume:
29.5K
Avg. volume:
23.8K
1-year change:
23.85%
Market cap:
$330.9M
Revenue:
$136M
EPS (TTM):
$3.00

Analysts' Opinion

  • Consensus Rating
    Norwood 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 Upside
    According to analysts' consensus price target of $33.50, Norwood Financial Corp. has an estimated upside of 11.22% from its current price of $30.12.
  • Price Target Downside
    According to analysts, the lowest downside price target is $33.00 representing -9.56% downside risk from its current price of $30.12.

Fair Value

  • According to the consensus of 2 analysts, Norwood Financial Corp. has 11.22% upside to fair value with a price target of $33.50 per share.

NWFL vs. S&P 500

  • Over the past 5 trading days, Norwood Financial Corp. has overperformed the S&P 500 by 0.01% 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 4 quarters straight. In the most recent quarter Norwood Financial Corp. reported revenues of $35.6M.

Earnings Growth

  • Norwood Financial Corp. has grown year-over-year earnings for 4 quarters straight. In the most recent quarter Norwood Financial Corp. reported earnings per share of $0.80.
Enterprise value:
405.5M
EV / Invested capital:
--
Price / LTM sales:
2.07x
EV / EBIT:
4.87x
EV / Revenue:
2.98x
PEG ratio (5yr expected):
0.00x
EV / Free cash flow:
14.02x
Price / Operating cash flow:
9.73x
Enterprise value / EBITDA:
24.37x
Gross Profit (TTM):
--
Return On Assets:
1.17%
Net Income Margin (TTM):
20.41%
Return On Equity:
12.21%
Return On Invested Capital:
8%
Operating Margin:
26.35%
Trailing 12 Months Fiscal Quarters
Period Ending 2023-12-31 2024-12-31 2025-12-31 2024-12-31 2025-12-31
Income Statement
Revenue $103.5M $101.4M $136M $11.8M $35.6M
Gross Profit -- -- -- -- --
Operating Income $21.1M -$258K $35M -$16.1M $9.4M
EBITDA -- -- -- -- --
Diluted EPS $2.07 $0.01 $3.00 -$1.54 $0.80
Period Ending 2021-12-31 2022-12-31 2023-12-31 2024-12-31 2025-12-31
Balance Sheet
Current Assets $214.3M $39.1M $74.3M $80.8M $54.5M
Total Assets $2.1B $2B $2.2B $2.3B $2.4B
Current Liabilities $1B $1.4B $1.6B $1.7B $1.8B
Total Liabilities $1.9B $1.9B $2B $2.1B $2.2B
Total Equity $205.3M $167.1M $181.1M $213.5M $242.2M
Total Debt $34M $83.6M $84.9M $104.9M $62.2M
Trailing 12 Months Fiscal Quarters
Period Ending 2023-12-31 2024-12-31 2025-12-31 2024-12-31 2025-12-31
Cash Flow Statement
Cash Flow Operations $29.8M $22.6M $33.6M $4.6M $8.4M
Cash From Investing -$116.5M -$115M -$128.6M -$62.4M -$42.8M
Cash From Financing $121M $98.6M $67.1M $47.2M $4M
Free Cash Flow $25.8M $19.5M $28.9M $3.1M $7.4M
NWFL
Sector
Market Cap
$330.9M
$544.9M
Price % of 52-Week High
93.45%
86.06%
Dividend Yield
4.11%
1.93%
Shareholder Yield
13.69%
2.67%
1-Year Price Total Return
23.85%
7.54%
Beta (5-Year)
0.580
0.429
Dividend yield:
4.11%
Annualized payout:
$1.24
Payout ratio:
39.97%
Growth streak:
7 years

Technicals

8-day SMA
Buy
Level $29.39
200-day SMA
Buy
Level $27.29
Bollinger Bands (100)
Buy
Level 27.77 - 30.29
Chaikin Money Flow
Buy
Level 266.4K
20-day SMA
Buy
Level $28.97
Relative Strength Index (RSI14)
Buy
Level 58.88
ADX Line
Buy
Level 17.28
Williams %R
Sell
Level -14.4366
50-day SMA
Buy
Level $29.71
MACD (12, 26)
Buy
Level 0.04
25-day Aroon Oscillator
Buy
Level 44
On Balance Volume
Sell
Level -412.9K

Financial Scores

Sell
Altman Z-Score (Annual)
Level (-0.5548)
Sell
CA Score (Annual)
Level (-2.1404)
--
Beneish M-Score (Annual)
Level (--)
Buy
Momentum Score
Level (7)
Sell
Ohlson Score
Level (5.7104)
Buy
Piotroski F Score (Annual)
Level (7)
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 $33.50.

  • Where Will Norwood Financial Corp. Stock Be In 1 Year?

    According to analysts, the consensus estimate is that Norwood Financial Corp. share price will rise to $33.50 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 drop from its current level to $33.00.

  • 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 $33.50 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 $30.06 per share. This represents the most recent stock quote for Norwood Financial Corp.. Yesterday, Norwood Financial Corp. closed at $30.12 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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