Norwood Financial Corp. (NWFL)

Norwood Financial Statistics

Total Valuation

NWFL has a market cap or net worth of $284.59 million. The enterprise value is $314.29 million.

Market Cap	284.59M
Enterprise Value	314.29M

Important Dates

The last earnings date was Thursday, January 22, 2026, before market open.

Earnings Date	Jan 22, 2026
Ex-Dividend Date	Jan 15, 2026

Share Statistics

NWFL has 9.25 million shares outstanding. The number of shares has increased by 13.94% in one year.

Current Share Class	9.25M
Shares Outstanding	9.25M
Shares Change (YoY)	+13.94%
Shares Change (QoQ)	-1.39%
Owned by Insiders (%)	10.76%
Owned by Institutions (%)	42.46%
Float	8.25M

Valuation Ratios

The trailing PE ratio is 10.23 and the forward PE ratio is 8.79.

PE Ratio	10.23
Forward PE	8.79
PS Ratio	3.30
Forward PS	2.45
PB Ratio	1.18
P/TBV Ratio	1.34
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	11.32
EV / Sales	3.65
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 12.18%.

Return on Equity (ROE)	12.18%
Return on Assets (ROA)	1.17%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	5.95%
Revenue Per Employee	$306,648
Profits Per Employee	$98,772
Employee Count	281
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, NWFL has paid $7.26 million in taxes.

Income Tax	7.26M
Effective Tax Rate	20.74%

Stock Price Statistics

The stock price has increased by +18.70% in the last 52 weeks. The beta is 0.59, so NWFL's price volatility has been lower than the market average.

Beta (5Y)	0.59
52-Week Price Change	+18.70%
50-Day Moving Average	29.39
200-Day Moving Average	26.79
Relative Strength Index (RSI)	54.69
Average Volume (20 Days)	40,596

Short Selling Information

The latest short interest is 97,706, so 1.06% of the outstanding shares have been sold short.

Short Interest	97,706
Short Previous Month	224,408
Short % of Shares Out	1.06%
Short % of Float	1.18%
Short Ratio (days to cover)	2.48

Income Statement

In the last 12 months, NWFL had revenue of $86.17 million and earned $27.76 million in profits. Earnings per share was $3.01.

Revenue	86.17M
Gross Profit	86.17M
Operating Income	36.77M
Pretax Income	35.02M
Net Income	27.76M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$3.01

Balance Sheet

The company has $44.44 million in cash and $74.13 million in debt, with a net cash position of -$29.70 million or -$3.21 per share.

Cash & Cash Equivalents	44.44M
Total Debt	74.13M
Net Cash	-29.70M
Net Cash Per Share	-$3.21
Equity (Book Value)	242.16M
Book Value Per Share	26.19
Working Capital	-2.05B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	42.67%
Pretax Margin	40.64%
Profit Margin	32.21%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $1.28, which amounts to a dividend yield of 4.16%.

Dividend Per Share	$1.28
Dividend Yield	4.16%
Dividend Growth (YoY)	3.31%
Years of Dividend Growth	28
Payout Ratio	41.53%
Buyback Yield	-13.94%
Shareholder Yield	-9.78%
Earnings Yield	9.75%
FCF Yield	n/a

Analyst Forecast

The average price target for NWFL is $33.00, which is 7.21% higher than the current price. The consensus rating is "Hold".

Price Target	$33.00
Price Target Difference	7.21%
Analyst Consensus	Hold
Analyst Count	1
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on September 18, 2017. It was a forward split with a ratio of 1.5:1.

Last Split Date	Sep 18, 2017
Split Type	Forward
Split Ratio	1.5:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	2