NORWOOD FINANCIAL CORP (NWFL) Fundamental Analysis & Valuation

NASDAQ:NWFL • US6695491075

Current stock price

28.98 USD
-0.16 (-0.55%)
At close:
28.98 USD
0 (0%)
After Hours:

This NWFL fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. NWFL Profitability Analysis

1.1 Basic Checks

  • In the past year NWFL was profitable.
  • In the past year NWFL had a positive cash flow from operations.
  • NWFL had positive earnings in 4 of the past 5 years.
  • Of the past 5 years NWFL 4 years had a positive operating cash flow.
NWFL Yearly Net Income VS EBIT VS OCF VS FCFNWFL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10M 20M 30M

1.2 Ratios

  • NWFL has a worse Return On Assets (0.30%) than 87.89% of its industry peers.
  • NWFL has a worse Return On Equity (3.11%) than 86.05% of its industry peers.
Industry RankSector Rank
ROA 0.3%
ROE 3.11%
ROIC N/A
ROA(3y)0.63%
ROA(5y)0.91%
ROE(3y)6.88%
ROE(5y)10.05%
ROIC(3y)N/A
ROIC(5y)N/A
NWFL Yearly ROA, ROE, ROICNWFL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 10 15

1.3 Margins

  • NWFL has a Profit Margin of 11.52%. This is amonst the worse of the industry: NWFL underperforms 84.47% of its industry peers.
  • In the last couple of years the Profit Margin of NWFL has grown nicely.
  • The Operating Margin and Gross Margin are not available for NWFL so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 11.52%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.43%
PM growth 5Y4.05%
GM growth 3YN/A
GM growth 5YN/A
NWFL Yearly Profit, Operating, Gross MarginsNWFL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 20 30

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4

2. NWFL Health Analysis

2.1 Basic Checks

  • NWFL does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, NWFL has more shares outstanding
  • NWFL has more shares outstanding than it did 5 years ago.
  • NWFL has a better debt/assets ratio than last year.
NWFL Yearly Shares OutstandingNWFL Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M
NWFL Yearly Total Debt VS Total AssetsNWFL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B

2.2 Solvency

  • NWFL has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC13.05%
NWFL Yearly LT Debt VS Equity VS FCFNWFL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
NWFL Yearly Current Assets VS Current LiabilitesNWFL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

8

3. NWFL Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 11146.32% over the past year.
  • Measured over the past 5 years, NWFL shows a small growth in Earnings Per Share. The EPS has been growing by 7.57% on average per year.
  • The Revenue has grown by 72.29% in the past year. This is a very strong growth!
  • The Revenue has been growing by 8.58% on average over the past years. This is quite good.
EPS 1Y (TTM)11146.32%
EPS 3Y-5.62%
EPS 5Y7.57%
EPS Q2Q%110.53%
Revenue 1Y (TTM)72.29%
Revenue growth 3Y3.93%
Revenue growth 5Y8.58%
Sales Q2Q%265.63%

3.2 Future

  • NWFL is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.97% yearly.
  • The Revenue is expected to grow by 16.68% on average over the next years. This is quite good.
EPS Next Y7.97%
EPS Next 2Y11.97%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year28.98%
Revenue Next 2Y16.68%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
NWFL Yearly Revenue VS EstimatesNWFL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20M 40M 60M 80M 100M
NWFL Yearly EPS VS EstimatesNWFL Yearly EPS VS EstimatesYearly EPS VS Estimates 2024 2025 2026 2027 1 2 3

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5

4. NWFL Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 9.69, which indicates a very decent valuation of NWFL.
  • Based on the Price/Earnings ratio, NWFL is valued a bit cheaper than 80.00% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 24.88. NWFL is valued rather cheaply when compared to this.
  • NWFL is valuated reasonably with a Price/Forward Earnings ratio of 8.98.
  • NWFL's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. NWFL is cheaper than 73.16% of the companies in the same industry.
  • NWFL is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.19, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.69
Fwd PE 8.98
NWFL Price Earnings VS Forward Price EarningsNWFL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • NWFL's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 12.59
EV/EBITDA N/A
NWFL Per share dataNWFL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

  • NWFL's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.22
PEG (5Y)1.28
EPS Next 2Y11.97%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. NWFL Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 4.39%, NWFL is a good candidate for dividend investing.
  • NWFL's Dividend Yield is rather good when compared to the industry average which is at 2.78. NWFL pays more dividend than 87.11% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.90, NWFL pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.39%

5.2 History

  • The dividend of NWFL has a limited annual growth rate of 3.13%.
  • NWFL has paid a dividend for at least 10 years, which is a reliable track record.
  • NWFL has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)3.13%
Div Incr Years23
Div Non Decr Years23
NWFL Yearly Dividends per shareNWFL Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • NWFL pays out 151.09% of its income as dividend. This is not a sustainable payout ratio.
  • The dividend of NWFL is growing, but earnings are growing more, so the dividend growth is sustainable.
DP151.09%
EPS Next 2Y11.97%
EPS Next 3YN/A
NWFL Yearly Income VS Free CF VS DividendNWFL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5M 10M 15M 20M 25M
NWFL Dividend Payout.NWFL Dividend Payout, showing the Payout Ratio.NWFL Dividend Payout.PayoutRetained Earnings

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NWFL Fundamentals: All Metrics, Ratios and Statistics

NORWOOD FINANCIAL CORP

NASDAQ:NWFL (3/27/2026, 8:00:01 PM)

After market: 28.98 0 (0%)

28.98

-0.16 (-0.55%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-17
Inst Owners35.68%
Inst Owner Change13.08%
Ins Owners7.75%
Ins Owner Change2.42%
Market Cap315.59M
Revenue(TTM)87.94M
Net Income(TTM)7.31M
Analysts80
Price Target34.17 (17.91%)
Short Float %0.79%
Short Ratio2.3
Dividend
Industry RankSector Rank
Dividend Yield 4.39%
Yearly Dividend1.12
Dividend Growth(5Y)3.13%
DP151.09%
Div Incr Years23
Div Non Decr Years23
Ex-Date01-15
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)12.58%
Min EPS beat(2)-0.02%
Max EPS beat(2)25.19%
EPS beat(4)2
Avg EPS beat(4)-0.6%
Min EPS beat(4)-32.26%
Max EPS beat(4)25.19%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-4.26%
Min Revenue beat(2)-6.17%
Max Revenue beat(2)-2.36%
Revenue beat(4)0
Avg Revenue beat(4)-21.16%
Min Revenue beat(4)-66.46%
Max Revenue beat(4)-2.36%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)17.86%
PT rev (3m)22.22%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)13.44%
EPS NY rev (3m)3.94%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-0.27%
Revenue NY rev (3m)-0.27%
Valuation
Industry RankSector Rank
PE 9.69
Fwd PE 8.98
P/S 4.97
P/FCF 12.59
P/OCF 10.45
P/B 1.34
P/tB 1.54
EV/EBITDA N/A
EPS(TTM)2.99
EY10.32%
EPS(NY)3.23
Fwd EY11.14%
FCF(TTM)2.3
FCFY7.95%
OCF(TTM)2.77
OCFY9.57%
SpS5.83
BVpS21.57
TBVpS18.87
PEG (NY)1.22
PEG (5Y)1.28
Graham Number38.09
Profitability
Industry RankSector Rank
ROA 0.3%
ROE 3.11%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 11.52%
GM N/A
FCFM 39.52%
ROA(3y)0.63%
ROA(5y)0.91%
ROE(3y)6.88%
ROE(5y)10.05%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.43%
PM growth 5Y4.05%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 368.85%
Cap/Sales 8.06%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 342.94%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC13.05%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)11146.32%
EPS 3Y-5.62%
EPS 5Y7.57%
EPS Q2Q%110.53%
EPS Next Y7.97%
EPS Next 2Y11.97%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)72.29%
Revenue growth 3Y3.93%
Revenue growth 5Y8.58%
Sales Q2Q%265.63%
Revenue Next Year28.98%
Revenue Next 2Y16.68%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y13.25%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y22.17%
OCF growth 3YN/A
OCF growth 5YN/A

NORWOOD FINANCIAL CORP / NWFL Fundamental Analysis FAQ

What is the ChartMill fundamental rating of NORWOOD FINANCIAL CORP (NWFL) stock?

ChartMill assigns a fundamental rating of 5 / 10 to NWFL.


What is the valuation status for NWFL stock?

ChartMill assigns a valuation rating of 5 / 10 to NORWOOD FINANCIAL CORP (NWFL). This can be considered as Fairly Valued.


How profitable is NORWOOD FINANCIAL CORP (NWFL) stock?

NORWOOD FINANCIAL CORP (NWFL) has a profitability rating of 2 / 10.


What is the expected EPS growth for NORWOOD FINANCIAL CORP (NWFL) stock?

The Earnings per Share (EPS) of NORWOOD FINANCIAL CORP (NWFL) is expected to grow by 7.97% in the next year.


Can you provide the dividend sustainability for NWFL stock?

The dividend rating of NORWOOD FINANCIAL CORP (NWFL) is 8 / 10 and the dividend payout ratio is 151.09%.