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NORWOOD FINANCIAL CORP

جودة البيانات: 100%
NWFL
NASDAQ Financial Services Depository Institutions
KWD 31.35
▼ KWD 0.01 (-0.03%)
القيمة السوقية: 341.79 M
السعر
KWD 31.39
القيمة السوقية
341.79 M
نطاق اليوم
—
نطاق 52 أسبوعًا
—
حجم التداول
—
فتح —
متوسط 50 يوم / 200 يوم
—
متوسط 50 يوم / 200 يوم
—

Quick Summary

النقاط الرئيسية

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

النمو

Revenue Growth (5Y)
3.45%
أقل من متوسط القطاع (5.76%)
Revenue (1Y)8.11%
Earnings (1Y)N/A
FCF Growth (3Y)1.46%

الجودة

Return on Equity
12.06%
أعلى من متوسط القطاع (9.22%)
ROICN/A
Net Margin346.98%
Op. MarginN/A

الأمان

Debt / Equity
0.48
أقل من متوسط القطاع (0.49)
Current RatioN/A
Interest CoverageN/A

التقييم

PE (TTM|NTM|2027)
12.31 | 8.55 | 8.56
أعلى من متوسط القطاع (11.13)
P/B Ratio1.46
EV/EBITDAN/A
Dividend Yield3.98%

تاريخ السعر

الاتجاهات المالية

مقارنة الأقران

مقابل وسيط قطاع Financial Services (2698 نظير)
المقياس السهم وسيط القطاع
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

السعر المستهدف للمحللين

2 محللين
Buy
الحالي
KWD 31.35
+6.9%
المستهدف
KWD 33.50
KWD 33.00
KWD 33.50
KWD 34.00
التوقعات
مكرر الربحية المستقبلي 8.55
ربحية السهم المستقبلية KWD 3.67
نمو ربحية السهم (تقدير) +5.3%
الإيرادات المقدّرة 119.50 M

تقديرات الأرباح

الفترة تقدير ربحية السهم تقدير الإيرادات المحللون
FY2027 KWD 3.67
KWD 3.65 – KWD 3.68
 119.50 M 2
FY2026 KWD 3.48
KWD 3.46 – KWD 3.50
 112.90 M 2

مفاجآت الأرباح

آخر 4 أرباع
الربع EPS المقدر EPS الفعلي المفاجأة
Q42025 KWD 0.85 KWD 0.84 -0.6%
Q32025 KWD 0.71 KWD 0.89 +26.2%
Q22025 KWD 0.66 KWD 0.67 +1.5%
Q12025 KWD 0.56 KWD 0.63 +12.5%

ETFs Holding This Stock

BRSIX BRSIX
0.31% weight
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
VVICX VVICX
0.01% weight
IIRSX IIRSX
0.01% weight
IRSIX IRSIX
0.01% weight
IRCIX IRCIX
0.01% weight
IRSSX IRSSX
0.01% 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

Dividend History

20 yr streak

Yield

3.98%

Payout Ratio

41.53%

Growth (3Y)

3.45%

Growth (5Y)

4.40%

Ex-Date Payment Date Amount Yield
Jan 15, 2026 — KWD 0.32 N/A
Oct 15, 2025 — KWD 0.31 N/A
Jul 15, 2025 — KWD 0.31 N/A
Apr 15, 2025 — KWD 0.31 N/A
Jan 15, 2025 — KWD 0.31 N/A
Oct 18, 2024 — KWD 0.30 N/A
Jul 15, 2024 — KWD 0.30 N/A
Apr 12, 2024 — KWD 0.30 N/A
Jan 11, 2024 — KWD 0.30 N/A
Oct 12, 2023 — KWD 0.29 N/A
Jul 13, 2023 — KWD 0.29 N/A
Apr 13, 2023 — KWD 0.29 N/A
Jan 12, 2023 — KWD 0.29 N/A
Oct 13, 2022 — KWD 0.28 N/A
Jul 14, 2022 — KWD 0.28 N/A
Apr 13, 2022 — KWD 0.28 N/A
Jan 13, 2022 — KWD 0.28 N/A
Oct 14, 2021 — KWD 0.26 N/A
Jul 14, 2021 — KWD 0.26 N/A
Apr 14, 2021 — KWD 0.26 N/A

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 3.98% Payout Ratio 41.53%
Dividend Growth (3Y) 3.45% Dividend Growth (5Y) 4.40%
Consecutive Div Years 20 yrs
Valuation
P/E Ratio 12.31 Forward P/E 8.55
P/B Ratio 1.46 P/S Ratio 42.73
PEG Ratio 4.49 Forward PEG 1.61
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S 2.86 Fwd Earnings Yield 11.70%
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 — — — — —

درجات الاستراتيجيات

This stock passed the criteria for 3 strategies

Score = fit strength (0–100)
Rank = position among all matches
Dividend High Yield Value
#96 of 240
47
Dividend Dividend Aristocrats
#67 of 135
43
Growth Cash Flow Compounder
#283 of 350
30

النشاط الأخير

دخل High Yield Value
Apr 12, 2026
دخل Dividend Aristocrats
Apr 12, 2026
دخل Cash Flow Compounder
Apr 12, 2026