A Business at a Glance
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Norwood Financial Corp (the “Company”), a Pennsylvania corporation, was incorporated in 1995 to become the holding company for Wayne Bank (the “Bank”). The Company is a registered bank holding company subject to regulation and supervision by the Board of Governors of the Federal Reserve System (“Federal Reserve”). As of December 31, 2024, the Company had total consolidated assets of $2.317 billion, consolidated deposits of $1.859 billion, and consolidated stockholders’ equity of $213.5 million. The Company’s ratio of average equity to average assets was 8.26%, 8.14%, and 8.87% for fiscal years 2024, 2023 and 2022, respectively. Wayne Bank is a Pennsylvania chartered bank and trust company headquartered in Honesdale, Pennsylvania. The Bank was originally chartered on February 17, 1870, as Wayne County Savings Bank and changed its name to Wayne County Bank and Trust in December 1943. In September 1993, the Bank adopted the name Wayne Bank.
| Metric | TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|
| Revenue | 63M | 51M | 70M | 78M | 74M | 58M |
| Net Income | 7.7M | -160K | 17M | 29M | 25M | 15M |
| EPS | $0.65 | $-0.02 | $2.07 | $3.58 | $3.04 | $2.09 |
| Free Cash Flow | 25M | 20M | 28M | 29M | 28M | 13M |
| ROIC | 3.3% | 0.3% | 19.8% | 17.5% | 49.8% | 14.8% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.00 | 0.53 | 0.41 | 0.56 | 0.30 | 0.55 |
| Dividends/Share | $1.19 | $1.21 | $1.13 | $1.13 | $1.06 | $1.01 |
| Operating Income | 710K | 626K | - | 1.9M | - | - |
| Operating Margin | 1.1% | 1.2% | - | 2.4% | - | - |
| ROE | 3.3% | -0.1% | 9.3% | 17.5% | 12.1% | 9.1% |
| Shares Outstanding | 9M | 8M | 8M | 8M | 8M | 7M |
NORWOOD FINANCIAL CORP passes 4 of 9 quality checks, suggesting mixed fundamentals.
NORWOOD FINANCIAL CORP trades at 47.9x trailing earnings, compared to its 15-year median P/E of 11.9x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 11.6x vs a median of 9.0x. The company's 5-year average ROIC is 20.4%. Total shareholder yield (dividends + buybacks) is 4.0%. At current prices, the estimated annualized return to fair value is +3.5%.
NORWOOD FINANCIAL CORP (NWFL) has a current P/E ratio of 47.9, compared to its historical median P/E of 11.9. The stock is currently considered Expensive based on its historical valuation range.
NORWOOD FINANCIAL CORP (NWFL) has a 5-year average return on invested capital (ROIC) of 20.4%. This indicates strong capital allocation and a potential competitive advantage.
NORWOOD FINANCIAL CORP (NWFL) has a market capitalization of $288M. It is classified as a small-cap stock.
Yes, NORWOOD FINANCIAL CORP (NWFL) pays a dividend with a trailing twelve-month yield of 3.83%. The company also returns capital through share buybacks, with a buyback yield of 0.13%.
Based on historical P/E analysis, NORWOOD FINANCIAL CORP (NWFL) appears expensive. The current P/E of 47.9 is 303% above its historical median of 11.9. The estimated fair value CAGR (P/E method) is -17.9%.
NORWOOD FINANCIAL CORP (NWFL) operates in the State Commercial Banks industry, within the Financials sector.
NORWOOD FINANCIAL CORP (NWFL) reported annual revenue of $51 million in its most recent fiscal year, based on SEC EDGAR filings.
NORWOOD FINANCIAL CORP (NWFL) has a net profit margin of -0.3%. The company is currently unprofitable.
NORWOOD FINANCIAL CORP (NWFL) generated $20 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
NORWOOD FINANCIAL CORP (NWFL) has a debt-to-equity ratio of 0.53. This indicates moderate leverage.
NORWOOD FINANCIAL CORP (NWFL) reported earnings per share (EPS) of $-0.02 in its most recent fiscal year.
NORWOOD FINANCIAL CORP (NWFL) has a return on equity (ROE) of -0.1%. A negative ROE may indicate losses or negative equity.
The Ledger Terminal provides 16 years of financial data for NORWOOD FINANCIAL CORP (NWFL), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
NORWOOD FINANCIAL CORP (NWFL) has a book value per share of $26.69, based on its most recent annual SEC filing.