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NWFL stock logo

NWFL

Norwood Financial Corp.

$31.7
0.39
 (1.25%)
Exchange:  NASDAQ
Market Cap:  292.611M
Shares Outstanding:  7.203M
Delayed data
Calculate NWFL Intrinsic Value
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Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  James O. Donnelly
Full Time Employees:  264
Address: 
717 Main Street
Honesdale
PA
18431
US
Website:  https://wayne.bank
Norwood Financial Corp. functions as the holding entity for Wayne Bank, delivering a comprehensive suite of financial products and services. The institution facilitates a broad array of deposit options, encompassing both interest-bearing and non-interest-bearing checking accounts, alongside statement savings, money market accounts, and certificates of deposit. Its lending portfolio is extensive, featuring commercial loans such as credit lines, revolving credit facilities, term loans, business mortgages, secured lending products, and letters of credit. Norwood also extends financing for municipal projects, construction loans for both commercial developments and single-family homes, and land acquisition loans. Consumer credit and residential mortgage financing for primary and secondary residences are also key offerings. Furthermore, the company engages in indirect dealer financing for automobiles, boats, and recreational vehicles through dealerships. Beyond traditional banking, Norwood provides investment securities services, trust management, and a variety of contemporary cash management solutions. These include direct deposit, remote and mobile deposit capture, mobile payment processing, automated clearing house (ACH) transactions, real estate settlement support, and robust internet and mobile banking platforms. The corporation also diversifies its revenue through the sale of annuities and mutual funds, discount brokerage services, and an insurance agency operation. Catering to a wide client base, Norwood serves individual consumers, corporate entities, non-profit organizations, and local governments. Its operational footprint includes fourteen branch locations throughout Northeastern Pennsylvania and sixteen branches spanning Delaware, Sullivan, Ontario, Otsego, and Yates Counties in New York, supported by thirty-one automated teller machines. Established in 1870, Norwood Financial Corp. maintains its corporate headquarters in Honesdale, Pennsylvania.

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Revenue Segmentation

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EPS

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Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2026/04/27 — Q1 quarter 2026

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue103,664101,429136,143
Gross Profit64,64348,36786,634
EBITDA22,6061,11936,559
Operating Income21,146-25835,486
Net Income16,759-16027,754

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets2,201,0792,317,4622,424,842
Total Liabilities2,020,0092,103,9542,182,685
Total Stockholders Equity181,070213,508242,157
Total Debt168,312194,86274,133
Cash and Cash Equivalents66,12072,33932,118

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Cash Flow Statement

Year202320242025
Operating Cash Flow29,82422,80733,967
Capital Expenditure-1,412-3,127-4,720
Free Cash Flow28,41219,68028,921
Net Income16,759-16027,755
Net Change in Cash34,2546,219-27,903

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)121,200Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)121,200Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)121,200Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)32,718.293Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)32,718.293Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)32,718.293Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)33,765.658Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)33,765.658Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)33,765.658Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)31,104.333Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)31,104.333Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)31,104.333Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)3.690Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)3.690Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)3.690Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)1Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)1Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
101.375M  ?P/S
 (TTM)
: 
2.11
?Net Income
 (TTM)
: 
-160000  ?P/E
 (TTM)
: 
10.97
?Enterprise Value
 (TTM)
: 
271.741M  ?EV/FCF
 (TTM)
: 
9.77
?Dividend Yield
 (TTM)
: 
0.04  ?Payout Ratio
 (TTM)
: 
0.47
?ROE
 (TTM)
: 
0.1  ?ROIC
 (TTM)
: 
0.07
?Net Debt
 (TTM)
: 
191.191M  ?Debt/Equity
 (TTM)
: 
0.31
?P/B
 (TTM)
: 
0.99  ?Current Ratio
 (TTM)
: 
0.1

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
9.24Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

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Common questions about NWFL valuation

Is Norwood Financial Corp. (NWFL) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Norwood Financial Corp. (NWFL) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is NWFL a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether NWFL trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is NWFL’s P/E ratio?

You can see NWFL’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for NWFL?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is NWFL a good long-term investment?

Whether NWFL fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

NWFL

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

1.25
MARKETSnap

Trading Metrics:

Open: 31.59   Previous Close: 31.31
Day Low: 31.55   Day High: 31.74
Year Low: 23.7   Year High: 32.23
Price Avg 50: 30.19   Price Avg 200: 28.48
Volume: 1736   Average Volume: 21123

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