NASDAQ: NWFL
Norwood Financial Corp Stock

$30.50-0.08 (-0.26%)
Updated Dec 11, 2024
NWFL Price
$30.50
Fair Value Price
$34.00
Market Cap
$246.80M
52 Week Low
$23.50
52 Week High
$34.50
P/E
19.06x
P/B
1.26x
P/S
3.58x
PEG
N/A
Dividend Yield
3.93%
Revenue
$62.31M
Earnings
$12.84M
Gross Margin
100%
Operating Margin
26.08%
Profit Margin
20.6%
Debt to Equity
10.65
Operating Cash Flow
$25M
Beta
0.77
Next Earnings
Jan 27, 2025
Ex-Dividend
N/A
Next Dividend
N/A

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 Rating

Our proven quant model uses 115 proprietary factors, including AI, to determine NWFL's potential to beat the market

CHold
  • Stocks with a Zen Rating of Hold (C) had an average return of +7.53% per year. Learn More

Zen Rating Component Grades

C
Value
D
Growth
B
Momentum
C
Sentiment
C
Safety
C
Financials
A
Artificial Intelligence
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.

Industry: Bank

Industry Rating
D
NWFL
Ranked
#211 of 333

Top Ranked Stocks in Industry

View Top Bank Stocks

Be the first to know about important NWFL news, forecast changes, insider trades & much more!

NWFL News

Overview

Due Diligence Score

Industry Average (32)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how NWFL scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.

Due Diligence Checks

NWFL ($30.50) is undervalued by 10.31% relative to our estimate of its Fair Value price of $34.00 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
NWFL ($30.50) is not significantly undervalued (10.31%) relative to our estimate of its Fair Value price of $34.00 based on Discounted Cash Flow (DCF) modelling, when including a healthy margin of safety
Significantly Below Fair Value Valuation
NWFL was unprofitable, so we... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 35 more NWFL due diligence checks available for Premium users.

Valuation

NWFL fair value

Fair Value of NWFL stock based on Discounted Cash Flow (DCF)

Price
$30.50
Fair Value
$34.00
Undervalued by
10.31%
NWFL ($30.50) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
NWFL ($30.50) is not significantly... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
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
19.06x
Industry
35.82x
Market
29.76x
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
1.26x
Industry
1.17x
NWFL is poor value based... subscribe to Premium to read more.
P/B vs Industry Valuation

NWFL's financial health

Profit margin

Revenue
$16.9M
Net Income
$3.8M
Profit Margin
22.8%
NWFL's Earnings (EBIT) of $16.25M... 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
$2.3B
Liabilities
$2.1B
Debt to equity
10.65
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
$4.6M
Investing
-$19.9M
Financing
$28.7M
NWFL's operating cash flow ($24.72M)... subscribe to Premium to read more.
Debt Coverage Financials

NWFL vs Bank Stocks

TickerZen RatingMarket Cap1d %P/EP/B
NWFLC$246.80M-0.26%19.06x1.26x
BLFYD$247.11M+2.46%-19.36x0.73x
FBLA$247.37M+0.40%N/A1.53x
MBCNC$249.07M-0.45%17.53x1.18x
BRBSC$250.69M-0.58%-3.75x0.75x

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 -11.59% from its 52-week high and 29.79% from its 52-week low.

How much is Norwood Financial stock worth today?

(NASDAQ: NWFL) Norwood Financial currently has 8,091,755 outstanding shares. With Norwood Financial stock trading at $30.50 per share, the total value of Norwood Financial stock (market capitalization) is $246.80M.

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 200.46%, for an annualized return of 4.32% (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 $30.50 today (as of Dec 11, 2024).

What is Norwood Financial's Market Cap?

(NASDAQ: NWFL) Norwood Financial's market cap is $246.80M, as of Dec 12, 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 $30.50 by NWFL's total outstanding shares of 8,091,755.
WallStreetZen does not provide financial advice and does not issue recommendations or offers to buy stock or sell any security.

Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.