NWFL Fundamental Analysis - NORWOOD FINANCIAL CORP

Name: NORWOOD FINANCIAL CORP (NWFL) Stock
Brand: NORWOOD FINANCIAL CORP
Rating: 6 (3 reviews)

Fundamental Rating

Overall NWFL gets a fundamental rating of 4 out of 10. We evaluated NWFL against 390 industry peers in the Banks industry. NWFL has a bad profitability rating. Also its financial health evaluation is rather negative. NWFL is quite expensive at the moment. It does show a decent growth rate. NWFL also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

NWFL had positive earnings in the past year.

In the past year NWFL had a positive cash flow from operations.

Of the past 5 years NWFL 4 years were profitable.

Each year in the past 5 years NWFL had a positive operating cash flow.

1.2 Ratios

NWFL's Return On Assets of 0.13% is on the low side compared to the rest of the industry. NWFL is outperformed by 87.44% of its industry peers.

NWFL has a Return On Equity of 1.41%. This is amonst the worse of the industry: NWFL underperforms 86.92% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.13%
ROE	1.41%
ROIC	N/A

ROA(3y)0.73%

ROA(5y)0.84%

ROE(3y)8.89%

ROE(5y)9.31%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

The Profit Margin of NWFL (5.40%) is worse than 86.92% of its industry peers.

The Operating Margin and Gross Margin are not available for NWFL so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	5.4%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

NWFL does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for NWFL has been increased compared to 1 year ago.

Compared to 5 years ago, NWFL has more shares outstanding

NWFL has a better debt/assets ratio than last year.

2.2 Solvency

NWFL has a debt to FCF ratio of 1.28. This is a very positive value and a sign of high solvency as it would only need 1.28 years to pay back of all of its debts.

Looking at the Debt to FCF ratio, with a value of 1.28, NWFL is in the better half of the industry, outperforming 62.82% of the companies in the same industry.

NWFL has a Debt/Equity ratio of 0.12. This is a healthy value indicating a solid balance between debt and equity.

With a decent Debt to Equity ratio value of 0.12, NWFL is doing good in the industry, outperforming 64.62% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.12
Debt/FCF	1.28
Altman-Z	N/A

ROIC/WACCN/A

WACC13.71%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

NWFL shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -85.45%.

The Revenue for NWFL has decreased by -14.43% in the past year. This is quite bad

Measured over the past years, NWFL shows a small growth in Revenue. The Revenue has been growing by 2.37% on average per year.

EPS 1Y (TTM)-85.45%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%28.69%

Revenue 1Y (TTM)-14.43%

Revenue growth 3Y-11.51%

Revenue growth 5Y2.37%

Sales Q2Q%24.4%

3.2 Future

NWFL is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 20.91% yearly.

NWFL is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 24.45% yearly.

EPS Next Y27.33%

EPS Next 2Y20.91%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year20.57%

Revenue Next 2Y24.45%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 112.38, which means the current valuation is very expensive for NWFL.

Based on the Price/Earnings ratio, NWFL is valued more expensive than 87.18% of the companies in the same industry.

The average S&P500 Price/Earnings ratio is at 27.08. NWFL is valued rather expensively when compared to this.

The Price/Forward Earnings ratio is 8.61, which indicates a very decent valuation of NWFL.

Based on the Price/Forward Earnings ratio, NWFL is valued a bit cheaper than 75.13% of the companies in the same industry.

When comparing the Price/Forward Earnings ratio of NWFL to the average of the S&P500 Index (23.09), we can say NWFL is valued rather cheaply.

		Industry Rank	Sector Rank
PE	112.38
Fwd PE	8.61

4.2 Price Multiples

NWFL's Price/Free Cash Flow ratio is in line with the industry average.

		Industry Rank	Sector Rank
P/FCF	12.09
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.

A more expensive valuation may be justified as NWFL's earnings are expected to grow with 20.91% in the coming years.

PEG (NY)4.11

PEG (5Y)N/A

EPS Next 2Y20.91%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.64%, NWFL is a good candidate for dividend investing.

NWFL's Dividend Yield is rather good when compared to the industry average which is at 3.50. NWFL pays more dividend than 83.08% of the companies in the same industry.

NWFL's Dividend Yield is rather good when compared to the S&P500 average which is at 2.30.

		Industry Rank	Sector Rank
Dividend Yield	4.64%

5.2 History

The dividend of NWFL has a limited annual growth rate of 3.13%.

NWFL has been paying a dividend for at least 10 years, so it has 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

5.3 Sustainability

NWFL pays out 334.25% 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.

DP334.25%

EPS Next 2Y20.91%

EPS Next 3YN/A

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NORWOOD FINANCIAL CORP

NASDAQ:NWFL (10/27/2025, 4:41:50 PM)

After market: 26.97 0 (0%)

26.97

+0.27 (+1.01%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)10-22 2025-10-22/bmo

Earnings (Next)01-26 2026-01-26

Inst Owners38.03%

Inst Owner Change0.38%

Ins Owners8.14%

Ins Owner Change0.19%

Market Cap249.74M

Revenue(TTM)58.71M

Net Income(TTM)3.17M

Analysts82.5

Price Target26.78 (-0.7%)

Short Float %4.6%

Short Ratio17.09

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.64%

Yearly Dividend1.12

Dividend Growth(5Y)3.13%

DP334.25%

Div Incr Years23

Div Non Decr Years23

Ex-Date10-15 2025-10-15 (0.31)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)2.33%

Min EPS beat(2)-0.02%

Max EPS beat(2)4.69%

EPS beat(4)N/A

Avg EPS beat(4)N/A

Min EPS beat(4)N/A

Max EPS beat(4)N/A

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)-6.02%

Min Revenue beat(2)-9.67%

Max Revenue beat(2)-2.36%

Revenue beat(4)N/A

Avg Revenue beat(4)N/A

Min Revenue beat(4)N/A

Max Revenue beat(4)N/A

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)0%

PT rev (3m)0%

EPS NQ rev (1m)0%

EPS NQ rev (3m)3.26%

EPS NY rev (1m)0%

EPS NY rev (3m)0.91%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0.92%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0.12%

Valuation

		Industry Rank	Sector Rank
PE	112.38
Fwd PE	8.61
P/S	4.25
P/FCF	12.09
P/OCF	9.87
P/B	1.11
P/tB	1.27
EV/EBITDA	N/A

EPS(TTM)0.24

EY0.89%

EPS(NY)3.13

Fwd EY11.61%

FCF(TTM)2.23

FCFY8.27%

OCF(TTM)2.73

OCFY10.13%

SpS6.34

BVpS24.34

TBVpS21.17

PEG (NY)4.11

PEG (5Y)N/A

Graham Number11.47

Profitability

		Industry Rank	Sector Rank
ROA	0.13%
ROE	1.41%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	5.4%
GM	N/A
FCFM	35.18%

ROA(3y)0.73%

ROA(5y)0.84%

ROE(3y)8.89%

ROE(5y)9.31%

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 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.02

Health

		Industry Rank	Sector Rank
Debt/Equity	0.12
Debt/FCF	1.28
Debt/EBITDA	N/A
Cap/Depr	340.09%
Cap/Sales	7.92%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	651.37%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC13.71%

ROIC/WACCN/A

Cap/Depr(3y)153.58%

Cap/Depr(5y)118.39%

Cap/Sales(3y)3.63%

Cap/Sales(5y)2.78%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-85.45%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%28.69%

EPS Next Y27.33%

EPS Next 2Y20.91%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-14.43%

Revenue growth 3Y-11.51%

Revenue growth 5Y2.37%

Sales Q2Q%24.4%

Revenue Next Year20.57%

Revenue Next 2Y24.45%

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 1Y-30.27%

FCF growth 3Y-11.03%

FCF growth 5Y3.19%

OCF growth 1Y-19.67%

OCF growth 3Y-7.91%

OCF growth 5Y4.34%

NORWOOD FINANCIAL CORP / NWFL FAQ

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

ChartMill assigns a fundamental rating of 4 / 10 to NWFL.

Can you provide the valuation status for NORWOOD FINANCIAL CORP?

ChartMill assigns a valuation rating of 3 / 10 to NORWOOD FINANCIAL CORP (NWFL). This can be considered as Overvalued.

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 27.33% 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 334.25%.

NORWOOD FINANCIAL CORP (NWFL) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens

NORWOOD FINANCIAL CORP / NWFL FAQ

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

Can you provide the valuation status for NORWOOD FINANCIAL CORP?

How profitable is NORWOOD FINANCIAL CORP (NWFL) stock?

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

Can you provide the dividend sustainability for NWFL stock?