NORWOOD FINANCIAL CORP (NWFL) Stock Fundamental Analysis

NASDAQ:NWFL • US6695491075

29.06 USD
-1.18 (-3.9%)
At close: Feb 27, 2026
29.06 USD
0 (0%)
After Hours: 2/27/2026, 8:23:30 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to NWFL. NWFL was compared to 379 industry peers in the Banks industry. The financial health of NWFL is average, but there are quite some concerns on its profitability. NWFL is growing strongly while it is still valued neutral. This is a good combination! NWFL also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

2

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.
  • NWFL had a positive operating cash flow in 4 of the past 5 years.
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

  • With a Return On Assets value of 0.30%, NWFL is not doing good in the industry: 86.81% of the companies in the same industry are doing better.
  • The Return On Equity of NWFL (3.11%) is worse than 85.49% 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's Profit Margin of 11.52% is on the low side compared to the rest of the industry. NWFL is outperformed by 83.38% of its industry peers.
  • NWFL's Profit Margin has improved in the last couple of years.
  • NWFL does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

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
  • Compared to 5 years ago, NWFL has more shares outstanding
  • 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
WACC12.7%
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. Growth

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.
  • NWFL shows a strong growth in Revenue. In the last year, the Revenue has grown by 72.29%.
  • 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

  • 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 16.68% yearly.
EPS Next Y-4.82%
EPS Next 2Y11.1%
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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Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 9.72, the valuation of NWFL can be described as reasonable.
  • Based on the Price/Earnings ratio, NWFL is valued cheaply inside the industry as 81.00% of the companies are valued more expensively.
  • NWFL's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.07.
  • NWFL is valuated reasonably with a Price/Forward Earnings ratio of 10.21.
  • NWFL's Price/Forward Earnings is on the same level as the industry average.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.05, NWFL is valued rather cheaply.
Industry RankSector Rank
PE 9.72
Fwd PE 10.21
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 12.7
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

PEG (NY)N/A
PEG (5Y)1.28
EPS Next 2Y11.1%
EPS Next 3YN/A

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

8

5. Dividend

5.1 Amount

  • NWFL has a Yearly Dividend Yield of 4.23%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.73, NWFL pays a better dividend. On top of this NWFL pays more dividend than 85.22% 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 4.23%

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

  • 151.09% of the earnings are spent on dividend by NWFL. 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 2Y11.1%
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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Find the best dividend stocksShow peers with best dividend

NORWOOD FINANCIAL CORP

NASDAQ:NWFL (2/27/2026, 8:23:30 PM)

After market: 29.06 0 (0%)

29.06

-1.18 (-3.9%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-15
Inst Owners41.6%
Inst Owner Change13.08%
Ins Owners8.19%
Ins Owner Change2.33%
Market Cap318.50M
Revenue(TTM)87.94M
Net Income(TTM)7.31M
Analysts43.33
Price Target33.66 (15.83%)
Short Float %0.97%
Short Ratio2.9
Dividend
Industry RankSector Rank
Dividend Yield 4.23%
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)10%
PT rev (3m)22.22%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-8.37%
EPS NY rev (3m)-14.23%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-0.27%
Revenue NY rev (3m)3.47%
Valuation
Industry RankSector Rank
PE 9.72
Fwd PE 10.21
P/S 5.02
P/FCF 12.7
P/OCF 10.55
P/B 1.36
P/tB 1.55
EV/EBITDA N/A
EPS(TTM)2.99
EY10.29%
EPS(NY)2.85
Fwd EY9.79%
FCF(TTM)2.29
FCFY7.87%
OCF(TTM)2.75
OCFY9.48%
SpS5.79
BVpS21.43
TBVpS18.75
PEG (NY)N/A
PEG (5Y)1.28
Graham Number37.97
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
WACC12.7%
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 Y-4.82%
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 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 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 decline by -4.82% 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%.