NORWOOD FINANCIAL CORP (NWFL) Fundamental Analysis & Valuation

NASDAQ:NWFL • US6695491075

Current stock price

29.21 USD
-1.65 (-5.35%)
At close:
29.21 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.

4

1. NWFL Profitability Analysis

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.
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 Return On Assets of 1.14%. This is in the better half of the industry: NWFL outperforms 67.02% of its industry peers.
  • Looking at the Return On Equity, with a value of 11.46%, NWFL is in the better half of the industry, outperforming 74.47% of the companies in the same industry.
Industry RankSector Rank
ROA 1.14%
ROE 11.46%
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 31.56%. This is amongst the best in the industry. NWFL outperforms 80.59% 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) 31.56%
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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3

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.
  • The number of shares outstanding for NWFL has been increased compared to 1 year ago.
  • The number of shares outstanding for NWFL has been increased compared to 5 years ago.
  • There is no outstanding debt for NWFL. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
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 a debt to FCF ratio of 0.50. This is a very positive value and a sign of high solvency as it would only need 0.50 years to pay back of all of its debts.
  • NWFL has a Debt to FCF ratio of 0.50. This is amongst the best in the industry. NWFL outperforms 80.85% of its industry peers.
  • NWFL has a Debt/Equity ratio of 0.06. This is a healthy value indicating a solid balance between debt and equity.
  • NWFL has a Debt to Equity ratio of 0.06. This is in the better half of the industry: NWFL outperforms 78.19% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF 0.5
Altman-Z N/A
ROIC/WACCN/A
WACC14.5%
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 15278.79% 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 7.54% on average per year.
  • Looking at the last year, NWFL shows a very strong growth in Revenue. The Revenue has grown by 72.30%.
  • Measured over the past years, NWFL shows a quite strong growth in Revenue. The Revenue has been growing by 8.58% on average per year.
EPS 1Y (TTM)15278.79%
EPS 3Y-5.66%
EPS 5Y7.54%
EPS Q2Q%14.29%
Revenue 1Y (TTM)72.3%
Revenue growth 3Y3.93%
Revenue growth 5Y8.58%
Sales Q2Q%46.16%

3.2 Future

  • Based on estimates for the next years, NWFL will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.97% on average per year.
  • Based on estimates for the next years, NWFL will show a quite strong growth in Revenue. The Revenue will grow by 16.68% on average per year.
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

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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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6

4. NWFL Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 9.48, the valuation of NWFL can be described as very reasonable.
  • Based on the Price/Earnings ratio, NWFL is valued cheaper than 85.11% of the companies in the same industry.
  • NWFL is valuated cheaply when we compare the Price/Earnings ratio to 27.15, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 7.79, which indicates a rather cheap valuation of NWFL.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of NWFL indicates a rather cheap valuation: NWFL is cheaper than 89.63% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 22.12. NWFL is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 9.48
Fwd PE 7.79
NWFL Price Earnings VS Forward Price EarningsNWFL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 66.22% of the companies in the same industry are more expensive than NWFL, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 10.88
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)1.19
PEG (5Y)1.26
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 4.15%, NWFL is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.53, NWFL pays a better dividend. On top of this NWFL pays more dividend than 89.89% of the companies listed in the same industry.
  • NWFL's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 4.15%

5.2 History

  • The dividend of NWFL has a limited annual growth rate of 4.33%.
  • NWFL has been paying a dividend for at least 10 years, so it has a reliable track record.
  • NWFL has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)4.33%
Div Incr Years24
Div Non Decr Years24
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 41.40% of its income as dividend. This is a bit on the high side, but may be sustainable.
  • The dividend of NWFL is growing, but earnings are growing more, so the dividend growth is sustainable.
DP41.4%
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 (4/27/2026, 8:08:00 PM)

After market: 29.21 0 (0%)

29.21

-1.65 (-5.35%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-27
Earnings (Next)N/A
Inst Owners36.88%
Inst Owner Change1.48%
Ins Owners8.02%
Ins Owner Change2.5%
Market Cap318.10M
Revenue(TTM)87.94M
Net Income(TTM)27.75M
Analysts80
Price Target34.17 (16.98%)
Short Float %1.19%
Short Ratio5.11
Dividend
Industry RankSector Rank
Dividend Yield 4.15%
Yearly Dividend1.24
Dividend Growth(5Y)4.33%
DP41.4%
Div Incr Years24
Div Non Decr Years24
Ex-Date04-15
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)8.92%
Min EPS beat(2)-7.35%
Max EPS beat(2)25.19%
EPS beat(4)2
Avg EPS beat(4)5.63%
Min EPS beat(4)-7.35%
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)-4.16%
Min Revenue beat(2)-6.17%
Max Revenue beat(2)-2.15%
Revenue beat(4)0
Avg Revenue beat(4)-5.09%
Min Revenue beat(4)-9.67%
Max Revenue beat(4)-2.15%
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)1.52%
PT rev (3m)11.67%
EPS NQ rev (1m)0%
EPS NQ rev (3m)11.63%
EPS NY rev (1m)0%
EPS NY rev (3m)3.94%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.36%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.27%
Valuation
Industry RankSector Rank
PE 9.48
Fwd PE 7.79
P/S 3.62
P/FCF 10.88
P/OCF 9.36
P/B 1.31
P/tB 1.49
EV/EBITDA N/A
EPS(TTM)3.08
EY10.54%
EPS(NY)3.75
Fwd EY12.83%
FCF(TTM)2.69
FCFY9.19%
OCF(TTM)3.12
OCFY10.68%
SpS8.08
BVpS22.24
TBVpS19.54
PEG (NY)1.19
PEG (5Y)1.26
Graham Number39.2556 (34.39%)
Profitability
Industry RankSector Rank
ROA 1.14%
ROE 11.46%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 31.56%
GM N/A
FCFM 33.26%
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-Score9
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.06
Debt/FCF 0.5
Debt/EBITDA N/A
Cap/Depr 321.31%
Cap/Sales 5.37%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 105.38%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC14.5%
ROIC/WACCN/A
Cap/Depr(3y)215.04%
Cap/Depr(5y)172.16%
Cap/Sales(3y)4.5%
Cap/Sales(5y)3.59%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)15278.79%
EPS 3Y-5.66%
EPS 5Y7.54%
EPS Q2Q%14.29%
EPS Next Y7.97%
EPS Next 2Y11.97%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)72.3%
Revenue growth 3Y3.93%
Revenue growth 5Y8.58%
Sales Q2Q%46.16%
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 1Y48.61%
FCF growth 3Y0.77%
FCF growth 5Y17.52%
OCF growth 1Y48.93%
OCF growth 3Y3.39%
OCF growth 5Y19.74%

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.


Can you provide the profitability details for NORWOOD FINANCIAL CORP?

NORWOOD FINANCIAL CORP (NWFL) has a profitability rating of 4 / 10.


How financially healthy is NORWOOD FINANCIAL CORP?

The financial health rating of NORWOOD FINANCIAL CORP (NWFL) is 3 / 10.


What is the earnings growth outlook for NORWOOD FINANCIAL CORP?

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