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NORWOOD FINANCIAL CORP

Qualité des données : 100%
NWFL
NASDAQ Financial Services Depository Institutions
31,35 €
▼ 0,01 € (-0,03%)
Cap. Boursière: 341,79 M
Prix
31,39 €
Cap. Boursière
341,79 M
Fourchette du Jour
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Fourchette 52 Semaines
—
Volume
—
Ouverture —
Moyenne 50J / 200J
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Moyenne 50J / 200J
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Quick Summary

Points Clés

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

Croissance

Revenue Growth (5Y)
3,45%
En dessous de la moyenne du secteur (5,76%)
Revenue (1Y)8,11%
Earnings (1Y)N/A
FCF Growth (3Y)1,46%

Qualité

Return on Equity
12,06%
Au-dessus de la moyenne du secteur (9,22%)
ROICN/A
Net Margin346,98%
Op. MarginN/A

Sécurité

Debt / Equity
0,48
En dessous de la moyenne du secteur (0,49)
Current RatioN/A
Interest CoverageN/A

Valorisation

PE (TTM|NTM|2027)
12,31 | 8,55 | 8,56
Au-dessus de la moyenne du secteur (11,12)
P/B Ratio1,46
EV/EBITDAN/A
Dividend Yield3,98%

Historique des Prix

Tendances Financières

Comparaison Sectorielle

vs médiane du secteur Financial Services (2698 pairs)
Métrique Action Médiane du Secteur
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

Objectif de Cours des Analystes

2 analystes
Buy
Actuel
31,35 €
+6.9%
Objectif
33,50 €
33,00 €
33,50 €
34,00 €
Prévisions
P/E Prévisionnel 8,55
BPA Prévisionnel 3,67 €
Croissance BPA (est.) +5,3%
CA Est. 119,50 M

Estimations de Bénéfices

Période BPA Est. CA Est. Analystes
FY2027 3,67 €
3,65 € – 3,68 €
 119,50 M 2
FY2026 3,48 €
3,46 € – 3,50 €
 112,90 M 2

Surprises de Résultats

Derniers 4 trimestres
Trimestre BPA Est. BPA Réel Surprise
Q42025 0,85 € 0,84 € -0,6%
Q32025 0,71 € 0,89 € +26,2%
Q22025 0,66 € 0,67 € +1,5%
Q12025 0,56 € 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 — 0,32 € N/A
Oct 15, 2025 — 0,31 € N/A
Jul 15, 2025 — 0,31 € N/A
Apr 15, 2025 — 0,31 € N/A
Jan 15, 2025 — 0,31 € N/A
Oct 18, 2024 — 0,30 € N/A
Jul 15, 2024 — 0,30 € N/A
Apr 12, 2024 — 0,30 € N/A
Jan 11, 2024 — 0,30 € N/A
Oct 12, 2023 — 0,29 € N/A
Jul 13, 2023 — 0,29 € N/A
Apr 13, 2023 — 0,29 € N/A
Jan 12, 2023 — 0,29 € N/A
Oct 13, 2022 — 0,28 € N/A
Jul 14, 2022 — 0,28 € N/A
Apr 13, 2022 — 0,28 € N/A
Jan 13, 2022 — 0,28 € N/A
Oct 14, 2021 — 0,26 € N/A
Jul 14, 2021 — 0,26 € N/A
Apr 14, 2021 — 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 — — — — —

Scores de Stratégies

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

Activité Récente

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