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NORWOOD FINANCIAL CORP

Data quality: 100%
NWFL
Nasdaq Financial Services Depository Institutions
$31.39
▲ $0.39 (1.26%)
Mkt Cap: 341.79 M
Price
$31.39
Mkt Cap
341.79 M
Day Range
$30.56 — $31.40
52-Week Range
$21.25 — $32.23
Volume
10,955
Open $30.56
50D / 200D Avg
$29.75
5.49% above
50D / 200D Avg
$27.32
14.87% above

Quick Summary

Key Takeaways

Revenue grew 3.45% annually over 5 years — modest growth
ROE of 12.06% — decent returns on equity
Net margin of 346.98% shows strong profitability
Debt/Equity of 0.48 — conservative balance sheet
Generating 29.25 M in free cash flow
P/E of 12.31 — trading at a low valuation

Growth

Revenue Growth (5Y)
3.45%
Below sector avg (5.83%)
Revenue (1Y)8.11%
Earnings (1Y)N/A
FCF Growth (3Y)1.46%

Quality

Return on Equity
12.06%
Above sector avg (9.24%)
ROICN/A
Net Margin346.98%
Op. MarginN/A

Safety

Debt / Equity
0.48
Below sector avg (0.49)
Current RatioN/A
Interest CoverageN/A

Valuation

PE (TTM)
12.31
Above sector avg (11.15)
P/B Ratio1.46
EV/EBITDAN/A
Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (2144 peers)
Metric Stock Sector Median
P/E 12.3 11.1
P/B 1.5 1.2
ROE % 12.1 9.2
Net Margin % 347.0 9.4
Rev Growth 5Y % 3.5 5.8
D/E 0.5 0.5

ETFs Holding This Stock

QABA logo QABA First Trust NASDAQ ABA Community Bank Index Fund
0.12% weight
GSSC logo GSSC Goldman Sachs ActiveBeta U.S. Small Cap Equity ETF
0.02% weight
DHS logo DHS WisdomTree U.S. High Dividend Fund
0.00% weight
AVUV logo AVUV Avantis U.S. Small Cap Value ETF
0.00% weight
AVSC logo AVSC Avantis U.S. Small Cap Equity ETF
0.00% weight

All Fundamental Metrics
Growth
Revenue Growth (1Y) 8.11% Revenue Growth (3Y) 5.87%
Earnings Growth (1Y) N/A Earnings Growth (3Y) 28.69%
Revenue Growth (5Y) 3.45% Earnings Growth (5Y) 2.74%
Profitability
Revenue (TTM) 8.00 M Net Income (TTM) 27.76 M
ROE 12.06% ROA 1.16%
Gross Margin N/A Operating Margin N/A
Net Margin 346.98% Free Cash Flow (TTM) 29.25 M
ROIC N/A FCF Growth (3Y) 1.46%
Safety
Debt / Equity 0.48 Current Ratio N/A
Interest Coverage N/A Asset Turnover 0.00
Working Capital N/A Tangible Book Value 205.53 M
Dividends
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio 12.31 Forward P/E N/A
P/B Ratio 1.46 P/S Ratio 42.73
PEG Ratio 4.49 Forward PEG N/A
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield 8.56%
Market Cap 341.79 M Enterprise Value 454.86 M
Per Share
EPS (Diluted TTM) 3.01 Revenue / Share 0.73
FCF / Share 2.69 OCF / Share 3.12
EPS CAGR (1Y) N/A EPS CAGR (5Y) -0.25%
EPS CAGR (10Y) 6.35%
Efficiency
CapEx / Revenue 59.01% FCF Conversion 105.38%
SBC-Adj. FCF N/A Growth Momentum 4.66

Income Statement

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 8.00 M 7.40 M 7.14 M 8.76 M 6.99 M
Net Income 27.76 M -160,000.0 16.76 M 29.23 M 24.92 M
EPS (Diluted) 3.01 -0.02 2.07 3.58 3.04
Gross Profit — — — — —
Operating Income — — — — —
EBITDA — — — — —
R&D Expenses — — — — —
SG&A Expenses — — — — —
D&A — — — — —
Interest Expense 78.32 M 62.19 M 33.47 M 7.27 M 5.76 M
Income Tax 7.26 M -98,000.0 4.39 M 7.15 M 5.95 M

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 2.42 B 2.32 B 2.20 B 2.05 B 2.07 B
Total Liabilities 2.18 B 2.10 B 2.02 B 1.88 B 1.86 B
Shareholders' Equity 242.16 M 213.51 M 181.07 M 167.09 M 205.26 M
Total Debt 14.71 M 113.07 M 74.08 M 93.22 M 60.82 M
Cash & Equivalents — — — — —
Current Assets — — — — —
Current Liabilities — — — — —