Is Norwood Financial Corp. (NWFL) Overvalued?
We dive into why Norwood Financial Corp. (NWFL) could be considered overvalued on 2026-08-17, based on AAII’s Value Score and Grade.Jenna Brashear
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COMPANY SUMMARY
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.
Commentary & Analysis
Why Norwood Financial Corp.’s (NWFL) Stock Is Up 5.37%
As of Thursday, July 23, Norwood Financial Corp.’s NWFL share price has surged by 5.37%, which has investors questioning if this is right time to sell.Michael Rose
What You Need to Know About Norwood Financial Corp.'s Q3 Earnings
Norwood Financial Corp.'s fiscal Q3 earnings report was released on Wednesday, July 22. Let's dive in to see if (NWFL) missed or beat analyst's expectations.Tudor Pop
Why Norwood Financial Corp.’s (NWFL) Stock Is Up 6.29%
As of Friday, May 01, Norwood Financial Corp.’s NWFL share price has surged by 6.29%, which has investors questioning if this is right time to sell.Jenna Brashear
What You Need to Know About Norwood Financial Corp.'s Q2 Earnings
Norwood Financial Corp.'s fiscal Q2 earnings report was released on Monday, April 27. Let's dive in to see if (NWFL) missed or beat analyst's expectations.Michael Rose
Financial Summary
| Share Statistics | NWFL | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $366.3 | $751.0 | 33% |
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| Shares Out (Mil) | 10.8 | 15.4 | 21% |
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| Institutional Ownership | 82.2% | 83.2% | 51% |
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| Float (Mil) | 9.9 | 21.8 | 19% |
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| Beta | 0.53 | 0.43 | 30% |
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| Avg Daily Volume (000s) | 39 | 42 | 26% |
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| Price Change (52-week) |
35.1% | 94.6% | 72% |
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| Growth | NWFL | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 10.3% | 7.7% | 59% |
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| Net Income (5yr) | 13.0% | 11.1% | 60% |
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| EPS (5yr) | 7.5% | 10.1% | 42 |
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| Dividends (5yr) | 4.4% | 3.6% | 83% |
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| Cash Flow (5yr) | (17.4%) | (17.1%) | 40% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 2 | 2 | 2 | |
| Current EPS | $0.955 | $3.305 | $3.850 | |
| Month Ago EPS | $0.910 | $3.400 | $3.655 | |
| # Rev Up | 0 | 0 | 1 | |
| # Rev Down | 0 | 0 | 0 | |
| Three Months Ago EPS | $0.920 | $3.425 | $3.685 | |
| Year/Year Chg | 11.0% | 9.9% | na | |
| Financials | NWFL | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $100 | $196 | 26% |
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| Net Income (TTM) (Mil) | $29 | $55 | 51% |
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| EPS (TTM) | $2.876 | $2.600 | 77% |
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| Operating Cash Flow (TTM) (Mil) | $33 | $36 | 44% |
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| Net Cash Flow (TTM) (Mil) | $7 | $2 | 54% |
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| Long-Term Debt (Q1) (Mil) | $43 | $101 | 38% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | NWFL | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.26 | 1.25 | 31% |
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| P/E | 11.7 | 12.5 | 23% |
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| Dividend Yield | 3.8% | 2.2% | 90% |
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| PEG (5yr hist) | 1.6 | 1.1 | 61% |
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| Ratios | NWFL | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 28.9% | 29.1% | 87% |
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| ROA | 1.1% | 1.1% | 48% |
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| ROE | 11.2% | 11.3% | 61% |
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| Liabilities to Assets | 90.0% | 89.7% | 86% |
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| F-Score | 4 | 4 | na |
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Norwood Financial Corp. did not pass any screens on 8/20/2026.
