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Norwood Financial (NWFL)
NASDAQ:NWFL
US Market
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Norwood Financial (NWFL) Stock Statistics & Valuation Metrics

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Total Valuation

Norwood Financial has a market cap or net worth of $370.17M. The enterprise value is $384.78.
Market Cap$370.17M
Enterprise Value$384.78

Share Statistics

Norwood Financial has 10,890,699 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding10,890,699
Owned by Insiders7.78%
Owned by Institutions2.75%

Financial Efficiency

Norwood Financial’s return on equity (ROE) is 0.11 and return on invested capital (ROIC) is 8.42%.
Return on Equity (ROE)0.11
Return on Assets (ROA)0.01
Return on Invested Capital (ROIC)8.42%
Return on Capital Employed (ROCE)0.12
Revenue Per Employee495.07K
Profits Per Employee100.93K
Employee Count275
Asset Turnover0.06
Inventory Turnover0.00

Valuation Ratios

The current PE Ratio of Norwood Financial is 10.9. Norwood Financial’s PEG ratio is -0.00061.
PE Ratio10.9
PS Ratio1.89
PB Ratio1.06
Price to Fair Value1.06
Price to FCF8.79
Price to Operating Cash Flow12.94
PEG Ratio-0.00061

Income Statement

In the last 12 months, Norwood Financial had revenue of 136.14M and earned 27.75M in profits. Earnings per share was 3.03.
Revenue136.14M
Gross Profit86.63M
Operating Income35.49M
Pretax Income35.02M
Net Income27.75M
EBITDA36.56M
Earnings Per Share (EPS)3.03

Cash Flow

In the last 12 months, operating cash flow was 24.11M and capital expenditures 1.08M, giving a free cash flow of 25.19M billion.
Operating Cash Flow24.11M
Free Cash Flow25.19M
Free Cash Flow per Share2.31

Dividends & Yields

Norwood Financial pays an annual dividend of $0.32, resulting in a dividend yield of 3.74%
Dividend Per Share$0.32
Dividend Yield3.74%
Payout Ratio37.80%
Free Cash Flow Yield
Earnings Yield

Stock Price Statistics

Beta0.60
52-Week Price Change47.68%
50-Day Moving Average31.47
200-Day Moving Average29.14
Relative Strength Index (RSI)66.39
Average Volume (3m)48.74K

Important Dates

Norwood Financial upcoming earnings date is Oct 27, 2026, TBA (Confirmed).
Last Earnings DateJul 22, 2026
Next Earnings DateOct 27, 2026
Ex-Dividend Date

Financial Position

Norwood Financial as a current ratio of 0.16, with Debt / Equity ratio of 22.62%
Current Ratio0.16
Quick Ratio0.16
Debt to Market Cap0.29
Net Debt to EBITDA0.81
Interest Coverage Ratio0.74

Taxes

In the past 12 months, Norwood Financial has paid 7.26M in taxes.
Income Tax7.26M
Effective Tax Rate0.21

Enterprise Valuation

Norwood Financial EV to EBITDA ratio is 7.84, with an EV/FCF ratio of 9.80.
EV to Sales2.11
EV to EBITDA7.84
EV to Free Cash Flow9.80
EV to Operating Cash Flow8.44

Balance Sheet

Norwood Financial has $499.26M in cash and marketable securities with $65.51M in debt, giving a net cash position of $433.74M billion.
Cash & Marketable Securities$499.26M
Total Debt$65.51M
Net Cash$433.74M
Net Cash Per Share$39.83
Tangible Book Value Per Share$23.22

Margins

Gross margin is 62.48%, with operating margin of 26.07%, and net profit margin of 20.39%.
Gross Margin62.48%
Operating Margin26.07%
Pretax Margin25.72%
Net Profit Margin20.39%
EBITDA Margin26.85%
EBIT Margin26.07%

Analyst Forecast

The average price target for Norwood Financial is $35.00, which is 11.43% higher than the current price. The consensus rating is Hold
Price Target$35.00
Price Target Upside7.26% Upside
Analyst ConsensusHold
Analyst Count1
Revenue Growth Forecast42.39%
EPS Growth Forecast1118.69%

Scores

Smart Score9
AI Score