Norwood Financial Corp. (NWFL)

Norwood Financial Statistics

Total Valuation

NWFL has a market cap or net worth of $242.23 million. The enterprise value is $239.57 million.

Market Cap	242.23M
Enterprise Value	239.57M

Important Dates

The last earnings date was Wednesday, October 22, 2025, before market open.

Earnings Date	Oct 22, 2025
Ex-Dividend Date	Oct 15, 2025

Share Statistics

NWFL has 9.21 million shares outstanding. The number of shares has increased by 10.42% in one year.

Current Share Class	9.21M
Shares Outstanding	9.21M
Shares Change (YoY)	+10.42%
Shares Change (QoQ)	+1.67%
Owned by Insiders (%)	8.66%
Owned by Institutions (%)	35.29%
Float	8.41M

Valuation Ratios

The trailing PE ratio is 30.60 and the forward PE ratio is 8.32.

PE Ratio	30.60
Forward PE	8.32
PS Ratio	3.87
Forward PS	2.30
PB Ratio	1.03
P/TBV Ratio	1.18
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	31.27
EV / Sales	3.96
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 3.56%.

Return on Equity (ROE)	3.56%
Return on Assets (ROA)	0.33%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$223,402
Profits Per Employee	$28,273
Employee Count	271
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, NWFL has paid $1.93 million in taxes.

Income Tax	1.93M
Effective Tax Rate	20.14%

Stock Price Statistics

The stock price has decreased by -10.52% in the last 52 weeks. The beta is 0.60, so NWFL's price volatility has been lower than the market average.

Beta (5Y)	0.60
52-Week Price Change	-10.52%
50-Day Moving Average	26.04
200-Day Moving Average	25.38
Relative Strength Index (RSI)	57.10
Average Volume (20 Days)	27,235

Short Selling Information

The latest short interest is 391,442, so 4.25% of the outstanding shares have been sold short.

Short Interest	391,442
Short Previous Month	285,734
Short % of Shares Out	4.25%
Short % of Float	4.65%
Short Ratio (days to cover)	18.81

Income Statement

In the last 12 months, NWFL had revenue of $60.54 million and earned $7.66 million in profits. Earnings per share was $0.86.

Revenue	60.54M
Gross Profit	60.54M
Operating Income	11.27M
Pretax Income	9.59M
Net Income	7.66M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$0.86

Balance Sheet

The company has $74.73 million in cash and $72.07 million in debt, giving a net cash position of $2.66 million or $0.29 per share.

Cash & Cash Equivalents	74.73M
Total Debt	72.07M
Net Cash	2.66M
Net Cash Per Share	$0.29
Equity (Book Value)	234.91M
Book Value Per Share	25.50
Working Capital	-2.00B

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	18.61%
Pretax Margin	15.85%
Profit Margin	12.66%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $1.24, which amounts to a dividend yield of 4.66%.

Dividend Per Share	$1.24
Dividend Yield	4.66%
Dividend Growth (YoY)	3.33%
Years of Dividend Growth	27
Payout Ratio	144.26%
Buyback Yield	-10.42%
Shareholder Yield	-5.67%
Earnings Yield	3.16%
FCF Yield	n/a

Analyst Forecast

The average price target for NWFL is $28.50, which is 8.28% higher than the current price. The consensus rating is "Buy".

Price Target	$28.50
Price Target Difference	8.28%
Analyst Consensus	Buy
Analyst Count	3
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