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NASDAQ: NWFL
Norwood Financial Corp Stock

$23.55-0.44 (-1.83%)
Updated Apr 18, 2024
NWFL Price
$23.55
Fair Value Price
N/A
Market Cap
$190.99M
52 Week Low
$23.50
52 Week High
$34.50
P/E
11.32x
P/B
1.05x
P/S
4.11x
PEG
N/A
Dividend Yield
5.01%
Revenue
$64.64M
Earnings
$16.76M
Gross Margin
100%
Operating Margin
32.71%
Profit Margin
25.9%
Debt to Equity
11.16
Operating Cash Flow
$30M
Beta
0.76
Next Earnings
Apr 19, 2024
Ex-Dividend
Apr 12, 2024
Next Dividend
May 1, 2024

NWFL Overview

Norwood Financial Corp. operates as the bank holding company for Wayne Bank that provides various banking products and services. The company accepts a range of deposit products, including interest-bearing and non-interest bearing transaction accounts, and statement savings and money market accounts, as well as certificate of deposits. It also provides various loans, such as commercial loans comprising lines of credit, revolving credit, term loans, mortgages, secured lending products, and letter of credit facilities; municipal finance lending; construction loans for commercial construction projects and single-family residences; land loans; consumer loans; mortgage lending to finance principal residences and second home dwellings; and indirect dealer financing of new and used automobiles, boats, and recreational vehicles. In addition, the company offers investment securities services; trust and investment products; and cash management, direct deposit, remote deposit capture, mobile deposit capture, mobile payment, automated clearing house activity, real estate settlement, and Internet and mobile banking services. Further, it engages in the annuity and mutual fund sale, and discount brokerage activities, as well as insurance agency business. The company serves consumers, businesses, nonprofit organizations, and municipalities. It operates fourteen offices in Northeastern Pennsylvania; and sixteen offices in Delaware, Sullivan, Ontario, Otsego, and Yates Counties, New York, as well as thirty-one automated teller machines. Norwood Financial Corp. was founded in 1870 and is headquartered in Honesdale, Pennsylvania.

Zen Score

Industry Average (33)
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Due Diligence Checks

NWFL was unprofitable, so we are unable to calculate its intrinsic value according to an updated version of Benjamin Graham's Formula from "The Intelligent Investor"
Below Benjamin Graham Formula Value Valuation
NWFL is good value based on its earnings relative to its share price (11.32x), compared to the US market average (41.33x)
P/E vs Market Valuation
NWFL is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
There are 35 more NWFL due diligence checks available for Premium users.

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NWFL News

Valuation

NWFL fair value

Fair Value of NWFL stock based on Discounted Cash Flow (DCF)
Price
$23.55
Fair Value
$33.45
Undervalued by
29.59%
NWFL was unprofitable, so we... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation

NWFL price to earnings (PE)

For valuing profitable companies with steady earnings
Company
11.32x
Industry
-10.84x
Market
41.33x
NWFL is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
NWFL is good value based... subscribe to Premium to read more.
P/E vs Market Valuation

NWFL price to book (PB)

For valuing companies that are loss-making or have lots of physical asset
Company
1.05x
Industry
0.95x
NWFL is poor value based... subscribe to Premium to read more.
P/B vs Industry Valuation

NWFL's financial health

Profit margin

Revenue
$11.3M
Net Income
$354.0k
Profit Margin
3.1%
NWFL's Earnings (EBIT) of $21.15M... subscribe to Premium to read more.
Interest Coverage Financials
NWFL's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$2.2B
Liabilities
$2.0B
Debt to equity
11.16
NWFL's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
NWFL's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials

Cash flow

Operating
$6.7M
Investing
$1.7M
Financing
$3.6M
NWFL's operating cash flow ($29.82M)... subscribe to Premium to read more.
Debt Coverage Financials

NWFL vs Bank Stocks

TickerMarket Cap1d %P/EP/B
NWFL$190.99M-1.83%11.32x1.05x
FVCB$189.50M+1.44%48.18x0.87x
PDLB$189.37M-0.25%53.07x0.39x
OVLY$193.06M-0.39%6.19x1.16x
PKBK$194.32M+0.43%6.83x0.68x

Norwood Financial Stock FAQ

What is Norwood Financial's quote symbol?

(NASDAQ: NWFL) Norwood Financial trades on the NASDAQ under the ticker symbol NWFL. Norwood Financial stock quotes can also be displayed as NASDAQ: NWFL.

If you're new to stock investing, here's how to buy Norwood Financial stock.

What is the 52 week high and low for Norwood Financial (NASDAQ: NWFL)?

(NASDAQ: NWFL) Norwood Financial's 52-week high was $34.50, and its 52-week low was $23.50. It is currently -31.74% from its 52-week high and 0.21% from its 52-week low.

How much is Norwood Financial stock worth today?

(NASDAQ: NWFL) Norwood Financial currently has 8,110,156 outstanding shares. With Norwood Financial stock trading at $23.55 per share, the total value of Norwood Financial stock (market capitalization) is $190.99M.

Norwood Financial stock was originally listed at a price of $10.15 in Mar 4, 1998. If you had invested in Norwood Financial stock at $10.15, your return over the last 26 years would have been 132%, for an annualized return of 3.29% (not including any dividends or dividend reinvestments).

How much is Norwood Financial's stock price per share?

(NASDAQ: NWFL) Norwood Financial stock price per share is $23.55 today (as of Apr 18, 2024).

What is Norwood Financial's Market Cap?

(NASDAQ: NWFL) Norwood Financial's market cap is $190.99M, as of Apr 19, 2024.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

Norwood Financial's market cap is calculated by multiplying NWFL's current stock price of $23.55 by NWFL's total outstanding shares of 8,110,156.
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