NORWOOD FINANCIAL CORP (NWFL) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:NWFL • US6695491075

31.86 USD
+0.38 (+1.21%)
Last: Feb 4, 2026, 03:08 PM
Fundamental Rating

5

Taking everything into account, NWFL scores 5 out of 10 in our fundamental rating. NWFL was compared to 383 industry peers in the Banks industry. While NWFL seems to be doing ok healthwise, there are quite some concerns on its profitability. NWFL is not priced too expensively while it is growing strongly. Keep and eye on this one! Finally NWFL also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • In the past year NWFL was profitable.
  • NWFL had a positive operating cash flow in the past year.
  • Of the past 5 years NWFL 4 years were profitable.
  • 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's Return On Assets of 0.30% is on the low side compared to the rest of the industry. NWFL is outperformed by 85.90% of its industry peers.
  • With a Return On Equity value of 3.11%, NWFL is not doing good in the industry: 84.86% of the companies in the same industry are doing better.
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's Profit Margin of 11.52% is on the low side compared to the rest of the industry. NWFL is outperformed by 82.77% 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. 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.
  • 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

  • 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.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC13.24%
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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8

3. Growth

3.1 Past

  • NWFL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 11146.32%, which is quite impressive.
  • NWFL shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.57% yearly.
  • The Revenue has grown by 72.29% in the past year. This is a very strong growth!
  • 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)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

  • Based on estimates for the next years, NWFL will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.10% on average per year.
  • NWFL is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 16.48% yearly.
EPS Next Y3.88%
EPS Next 2Y11.1%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year29.32%
Revenue Next 2Y16.48%
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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5

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 10.66, the valuation of NWFL can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of NWFL indicates a rather cheap valuation: NWFL is cheaper than 80.16% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 28.18, NWFL is valued rather cheaply.
  • A Price/Forward Earnings ratio of 10.26 indicates a reasonable valuation of NWFL.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of NWFL indicates a somewhat cheap valuation: NWFL is cheaper than 65.54% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 25.51, NWFL is valued rather cheaply.
Industry RankSector Rank
PE 10.66
Fwd PE 10.26
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

  • NWFL's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 11.77
EV/EBITDA N/A
NWFL Per share dataNWFL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates NWFL does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)2.75
PEG (5Y)1.41
EPS Next 2Y11.1%
EPS Next 3YN/A

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8

5. Dividend

5.1 Amount

  • NWFL has a Yearly Dividend Yield of 4.35%, which is a nice return.
  • NWFL's Dividend Yield is rather good when compared to the industry average which is at 2.64. NWFL pays more dividend than 87.99% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.83, NWFL pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.35%

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
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.
  • NWFL's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP151.09%
EPS Next 2Y11.1%
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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NORWOOD FINANCIAL CORP

NASDAQ:NWFL (2/4/2026, 3:08:06 PM)

31.86

+0.38 (+1.21%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-15
Inst Owners41.6%
Inst Owner Change0.32%
Ins Owners8.19%
Ins Owner Change2.16%
Market Cap295.02M
Revenue(TTM)87.94M
Net Income(TTM)7.31M
Analysts82.5
Price Target30.6 (-3.95%)
Short Float %2.64%
Short Ratio6.77
Dividend
Industry RankSector Rank
Dividend Yield 4.35%
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)11.11%
PT rev (3m)13.21%
EPS NQ rev (1m)0%
EPS NQ rev (3m)22.24%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.81%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)6.82%
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.74%
Valuation
Industry RankSector Rank
PE 10.66
Fwd PE 10.26
P/S 4.65
P/FCF 11.77
P/OCF 9.77
P/B 1.26
P/tB 1.44
EV/EBITDA N/A
EPS(TTM)2.99
EY9.38%
EPS(NY)3.11
Fwd EY9.75%
FCF(TTM)2.71
FCFY8.5%
OCF(TTM)3.26
OCFY10.23%
SpS6.85
BVpS25.37
TBVpS22.2
PEG (NY)2.75
PEG (5Y)1.41
Graham Number41.31
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
WACC13.24%
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 Y3.88%
EPS Next 2Y11.1%
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 Year29.32%
Revenue Next 2Y16.48%
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 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 4 / 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 3.88% 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%.