A Business at a Glance
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NORWOOD FINANCIAL CORP
NWFL
$301M
Mkt Cap
$32.63
+1.37%
NORWOOD FINANCIAL CORP (NWFL) has a current P/E ratio of 50.2, compared to its historical median P/E of 12.3. 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 8.0%. This is below average and may indicate limited pricing power.
NORWOOD FINANCIAL CORP (NWFL) has a market capitalization of $301M. It is classified as a small-cap stock.
Yes, NORWOOD FINANCIAL CORP (NWFL) pays a dividend with a trailing twelve-month yield of 3.82%. The company also returns capital through share buybacks, with a buyback yield of 0.12%.
Based on historical P/E analysis, NORWOOD FINANCIAL CORP (NWFL) appears expensive. The current P/E of 50.2 is 309% above its historical median of 12.3. The estimated fair value CAGR (P/E method) is -18.4%.
NORWOOD FINANCIAL CORP (NWFL) operates in the State Commercial Banks industry, within the Financials sector.
NORWOOD FINANCIAL CORP (NWFL) reported annual revenue of $136 million in its most recent fiscal year, based on SEC EDGAR filings.
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 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 136M | 136M | 101M | 104M | 86M | 79M |
| Net Income | 28M | 28M | -160K | 17M | 29M | 25M |
| EPS | $3.01 | $3.01 | $-0.02 | $2.07 | $3.58 | $3.04 |
| Free Cash Flow | 29M | 29M | 20M | 28M | 29M | 28M |
| ROIC | 13.1% | 10.0% | -0.1% | 6.5% | 13.2% | 10.5% |
| Gross Margin | 0.0% | 0.0% | - | - | - | - |
| Debt/Equity | 0.06 | 0.06 | 1.01 | 1.09 | 0.80 | 0.44 |
| Dividends/Share | $1.25 | $1.25 | $1.21 | $1.17 | $1.17 | $1.06 |
| Operating Income | 35M | 35M | 626K | 21M | 1.9M | 31M |
| Operating Margin | 25.7% | 25.7% | 0.6% | 20.4% | 2.2% | 38.9% |
| ROE | 11.5% | 12.2% | -0.1% | 9.6% | 15.7% | 12.5% |
| Shares Outstanding | 9M | 9M | 8M | 8M | 8M | 8M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 33M | 32M | 37M | 46M | 50M | 54M | 66M | 79M | 86M | 104M | 101M | 136M | 136M |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0% | 0.0% |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 8.6M | 8.5M | 11M | 13M | 14M | 15M | 17M | 21M | 22M | 24M | 25M | 27M | 27M |
| EBIT | 10M | 425K | 553K | 774K | 827K | 17M | 18M | 31M | 1.9M | 21M | 626K | 35M | 35M |
| Op. Margin | 31.2% | 1.3% | 1.5% | 1.7% | 1.7% | 31.1% | 27.7% | 38.9% | 2.2% | 20.4% | 0.6% | 25.7% | 25.7% |
| Net Income | 7.7M | 5.9M | 6.7M | 8.2M | 14M | 14M | 15M | 25M | 29M | 17M | -160K | 28M | 28M |
| Net Margin | 23.3% | 18.2% | 17.9% | 17.9% | 27.5% | 26.3% | 22.8% | 31.4% | 34.2% | 16.2% | -0.2% | 20.4% | 20.4% |
| Non-Recurring | 1.2M | 626K | 284K | 348K | 213K | 254K | 71K | 92K | 3K | -209K | -20M | 0 | 0 |
| Returns on Capital | |||||||||||||
| ROIC | 6.9% | 4.5% | 4.7% | 5.6% | 8.4% | 7.7% | 7.0% | 10.5% | 13.2% | 6.5% | -0.1% | 10.0% | 13.1% |
| ROE | 8.0% | 5.9% | 6.3% | 7.2% | 11.5% | 10.9% | 9.1% | 12.5% | 15.7% | 9.6% | -0.1% | 12.2% | 11.5% |
| ROA | 1.1% | 0.8% | 0.7% | 0.7% | 1.2% | 1.2% | 1.0% | 1.3% | 1.4% | 0.8% | -0.0% | 1.2% | 1.1% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 11M | 10M | 11M | 16M | 17M | 18M | 14M | 29M | 31M | 30M | 23M | 34M | 34M |
| Free Cash Flow | 10M | 10M | 11M | 14M | 16M | 17M | 13M | 28M | 29M | 28M | 20M | 29M | 29M |
| Owner Earnings | 9.8M | 9.9M | 11M | 15M | 16M | 17M | 12M | 28M | 29M | 28M | 21M | 32M | 32M |
| CapEx | 193K | 290K | 511K | 1.6M | 873K | 1.6M | 749K | 1.3M | 2.2M | 1.4M | 3.1M | 4.7M | 4.7M |
| Maint. CapEx | 572K | 551K | 726K | 922K | 895K | 1.0M | 1.3M | 1.5M | 1.5M | 1.4M | 1.3M | 1.4M | 1.4M |
| Growth CapEx | 0 | 0 | 0 | 711K | 0 | 618K | 0 | 0 | 683K | 37K | 1.8M | 3.3M | 3.3M |
| D&A | 572K | 551K | 726K | 922K | 895K | 1.0M | 1.3M | 1.5M | 1.5M | 1.4M | 1.3M | 1.4M | 1.4M |
| CapEx/OCF | 1.8% | 2.8% | 4.5% | 10.2% | 5.0% | 8.8% | 5.4% | 4.3% | 7.0% | 4.7% | 13.7% | N/A | 13.9% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 4.4M | 4.5M | 4.7M | 5.4M | 5.5M | 6.0M | 7.3M | 8.5M | 9.2M | 9.4M | 9.7M | 11M | 11M |
| Dividend Yield | 9.8% | 6.4% | 6.1% | 4.4% | 3.5% | 3.9% | 4.7% | 4.9% | 4.8% | 4.5% | 4.8% | N/A | 3.8% |
| Share Buybacks | 179K | 127K | 447K | 1.6M | 194K | 428K | 108K | 1.4M | 2.5M | 3.1M | 703K | 361K | 361K |
| Buyback Yield | 0.3% | 0.2% | 0.5% | 1.0% | 0.1% | 0.2% | 0.1% | 0.8% | 1.1% | 1.3% | 0.3% | 0.0% | 0.1% |
| Stock-Based Comp | 154K | 66K | 71K | 93K | 237K | 208K | 204K | 214K | 269K | 401K | 346K | 248K | 248K |
| Debt Repayment | 24M | 28M | 22M | 9.7M | 11M | 9.2M | 1.0M | 2.5M | 32M | 19M | 39M | 98M | 98M |
| Balance Sheet | |||||||||||||
| Net Debt | -119M | -54M | -255M | -220M | -157M | -107M | -232M | -522M | -318M | -274M | -255M | -439M | -30M |
| Cash & Equiv. | 12M | 10M | 17M | 17M | 18M | 15M | 112M | 207M | 32M | 66M | 72M | 44M | 44M |
| Long-Term Debt | 23M | 41M | 32M | 36M | 52M | 57M | 43M | 30M | 40M | 124M | 102M | N/A | 15M |
| Debt/Equity | 0.49 | 0.94 | 0.58 | 0.67 | 0.86 | 0.86 | 0.55 | 0.44 | 0.80 | 1.09 | 1.01 | 0.06 | 0.06 |
| Interest Coverage | 4.2 | 0.1 | 0.2 | 0.2 | 0.1 | 2.9 | 3.3 | 6.4 | 0.3 | 1.8 | 0.0 | 0.0 | 0.8 |
| Equity | 99M | 101M | 111M | 116M | 122M | 137M | 195M | 205M | 167M | 181M | 214M | 242M | 242M |
| Total Assets | 712M | 751M | 1.1B | 1.1B | 1.2B | 1.2B | 1.9B | 2.1B | 2.0B | 2.2B | 2.3B | 2.4B | 2.4B |
| Total Liabilities | 613M | 650M | 1.0B | 1.0B | 1.1B | 1.1B | 1.7B | 1.9B | 1.9B | 2.0B | 2.1B | 2.2B | 2.2B |
| Intangibles | 389K | 285K | 612K | 462K | 336K | 235K | 530K | 407K | 306K | 221K | 152K | 98K | 98K |
| Retained Earnings | 64M | 65M | 67M | 70M | 78M | 87M | 94M | 110M | 130M | 135M | 125M | 141M | 141M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Per Share Data | |||||||||||||
| EPS | 2.10 | 1.07 | 1.15 | 1.31 | 2.17 | 2.25 | 2.09 | 3.04 | 3.58 | 2.07 | -0.02 | 3.01 | 3.01 |
| Owner EPS | 2.69 | 1.79 | 1.81 | 2.40 | 2.57 | 2.73 | 1.70 | 3.36 | 3.55 | 3.46 | 2.64 | 3.50 | 3.50 |
| Book Value | 27.16 | 18.29 | 19.03 | 18.49 | 19.44 | 21.75 | 27.00 | 25.05 | 20.46 | 22.36 | 26.69 | 26.26 | 26.26 |
| Cash Flow/Share | 2.89 | 1.90 | 1.95 | 2.56 | 2.75 | 2.92 | 1.91 | 3.56 | 3.76 | 3.68 | 2.85 | 3.68 | 3.16 |
| Dividends/Share | 1.20 | 0.83 | 0.83 | 0.87 | 0.90 | 0.97 | 1.01 | 1.06 | 1.17 | 1.17 | 1.21 | 1.25 | 1.25 |
| Shares Out. | 3.6M | 5.5M | 5.8M | 6.3M | 6.3M | 6.3M | 7.2M | 8.2M | 8.2M | 8.1M | 8.0M | 9.2M | 9.2M |
| Valuation | |||||||||||||
| P/E Ratio | 8.9 | 11.9 | 13.4 | 18.8 | 11.1 | 13.4 | 10.2 | 7.1 | 8.0 | 14.7 | N/A | N/A | 10.8 |
| P/FCF | 4.4 | 6.9 | 8.3 | 10.7 | 9.3 | 11.3 | 11.8 | 6.3 | 8.2 | 8.7 | 10.2 | N/A | 10.3 |
| EV/EBIT | 6.1 | 266.8 | 191.0 | 232.9 | 225.8 | 9.3 | 4.0 | 0.8 | 154.9 | 5.4 | 386.5 | N/A | 7.7 |
| Price/Book | 0.7 | 0.7 | 0.8 | 1.3 | 1.2 | 1.4 | 0.8 | 0.9 | 1.4 | 1.4 | 0.9 | N/A | 1.2 |
| Price/Sales | 2.2 | 2.4 | 2.3 | 3.0 | N/A | N/A | N/A | N/A | N/A | N/A | 27.1 | N/A | 2.2 |
| FCF Yield | 15.2% | 14.6% | 12.1% | 9.3% | 10.8% | 8.8% | 8.5% | 15.8% | 12.2% | 11.6% | 9.8% | N/A | 9.7% |
| Market Cap | 68M | 70M | 90M | 154M | 152M | 191M | 154M | 177M | 234M | 246M | 201M | 0 | 301M |
| Avg. Price | 12.20 | 12.81 | 13.24 | 19.72 | 25.04 | 24.68 | 21.37 | 21.06 | 23.37 | 25.90 | 25.06 | 0.00 | 32.63 |
| Year-End Price | 12.47 | 12.66 | 15.42 | 24.68 | 24.17 | 30.19 | 21.35 | 21.57 | 28.63 | 30.36 | 25.15 | 0.00 | 32.63 |
NORWOOD FINANCIAL CORP passes 3 of 9 quality checks, indicating weak fundamentals.
NORWOOD FINANCIAL CORP trades at 50.2x trailing earnings, compared to its 15-year median P/E of 12.3x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 12.1x vs a median of 9.3x. The company's 5-year average ROIC is 8.0%. Total shareholder yield (dividends + buybacks) is 3.9%. At current prices, the estimated annualized return to fair value is +3.3%.
NORWOOD FINANCIAL CORP (NWFL) has a net profit margin of 20.4%. This is a strong margin indicating high profitability.
NORWOOD FINANCIAL CORP (NWFL) generated $29 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 0.06. This indicates a conservatively financed balance sheet.
NORWOOD FINANCIAL CORP (NWFL) reported earnings per share (EPS) of $3.01 in its most recent fiscal year.
NORWOOD FINANCIAL CORP (NWFL) has a return on equity (ROE) of 12.2%. This indicates moderate shareholder returns.
The Ledger Terminal provides 17 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 $26.26, based on its most recent annual SEC filing.