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NWFL
Norwood Financial Corp
NASDAQ· Financial Services· Banks - Regional· CUSIP 669549107
$34.15+0.35%Price as of Aug 29, 18:33 UTC · updated once a day, after the close
Key metrics
- Market cap
- $372.31M
- P/E
- 11.7x
- Forward P/E
- 8.9x
- P/B
- 1.3x
- Dividend yield
- 3.75%
- Payout
- 43.69%
- EPS
- $2.93
- ROE
- 11.20%
- Profit margin
- 28.93%
- Revenue growth
- +34.70%
- Beta
- 0.53
- 52-week high
- $35.45
- 52-week low
- $23.82
History
How the company evolved, year by year. Revenue and debt come from the annual reports — for most companies, the 10-K filings with the SEC since 2009; dividends from the payments themselves.
The bars are a balance on the closing date; the lines are what happened during the year. Revenue above equity is ordinary, not an anomaly — it means the company turns its capital over more than once a year.
Investors holding this
Major managers that reported this stock in their latest 13F.
Price over time
▲ +29.1% over 5Y.
today you would have $1,647.04▲ +64.7%
Dividends reinvested, splits accounted for. Past prices say what happened, not what will.
Indicators, year by year
The last 17 closed years. Each multiple uses that year’s closing price and that year’s reported numbers — not today’s. The range is set by the annual reports on record.
| Indicator | Median | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Year-end price | $28.05 | $27.21 | $32.91 | $33.44 | $25.99 | $26.17 | $38.90 | $33.00 | $33.00 | $22.09 | $19.17 | $19.37 | $17.93 | $18.03 | $16.65 | $16.83 | $17.33 | |
Fair price, seven ways
Seven formulas applied to what the company reported. None of them predicts a price — each answers what the stock would be worth if its assumption held. The assumption is printed next to every number, because it is the assumption that produces the result.
Earnings
$41.98
Square root of 22.5 × earnings × book value — the two ceilings Graham proposed. Blind to intangibles, so it undervalues software and brands.
Earnings
$33.16
Earnings growing 7.6% a year plus a 3.7% dividend — Lynch adds the yield to the growth rate, so a payer is not priced like a company that returns nothing. Growth capped at 25%.
Earnings
$39.22
Median P/E of 13.4 among peers in the sector.
Earnings
$35.35
Median P/E of 12.1 across the years on record for this company itself. Answers whether it is cheap against its own past, which a whole sector trading low cannot flatter.
Cash flow
—
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Operating
—
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Others in the same sector
Companies of similar size in Financial Services, for comparison. The columns are the same ones above, in the same order.
| Stock | Price | P/E | P/B | Dividend yield | ROE | Market cap |
|---|---|---|---|---|---|---|
| USDEStableCoinX Inc. | $15.56 | — | 1.7x | — | — | $373.9M |
| MZYXMOZAYYX Acquisition Corp. | $9.98 | — | 1.3x | — | — | $374.06M |
| FVAVFortress Value Acquisition Corp. V | $10.25 | — | — | — | — | $370.41M |
| ALOVAldabra 4 Liquidity Opportunity Vehicle, Inc. | $10.00 |
About the company
Norwood Financial Corp. operates as the bank holding company for Wayne Bank that provides various banking products and services in the United States. The company offers deposit products, including interest-bearing and non-interest-bearing transaction, statement savings, and money market accounts, as well as certificate of deposits. Its commercial loans include 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; construction financing; land and 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; personal and business credit services; trust and investment products; and cash management, direct deposit, remote deposit capture, mobile deposit capture, automated clearing house activity, real estate settlement, and internet and mobile banking services. Further, it offers annuity and insurance products; and engages in mutual fund sale, advisory services, and discount brokerage activities, as well as insurance agency business. The company serves consumers, businesses, nonprofit organizations, and municipalities. It operates automated teller machines and branches in Northeastern Pennsylvania; and in New York counties of Delaware, Sullivan, Ontario, Otsego, and Yates. The company was founded in 1870 and is based in Honesdale, Pennsylvania.
- 275
- Honesdale, United States
Company description provided by Yahoo Finance.