NWFLNasdaqState Commercial BanksFiscal year ends December 31
NORWOOD FINANCIAL CORP
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 7, 2026
$33.53−0.07 (-0.21%)
Close on Oct 19, 2026
- Market cap
- $363.77M
- P/E (TTM)
- 11.6
- Dividend yield
- 3.73%
Norwood Financial statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of State Commercial Banks companies for comparison
Valuation
| Measure | Norwood Financial | Industry median |
|---|---|---|
| Market Cap | $365.55M | $679.86M |
| Enterprise Value | $305.26M | $408.94M |
| PE Ratio | 11.60 | 11.99 |
| PS Ratio | 42.86 | 3.59 |
| PB Ratio | 1.26 | 1.18 |
| P/TBV Ratio | 1.46 | 1.41 |
| P/FCF Ratio | 12.20 | 10.89 |
| P/OCF Ratio | 11.07 | 10.01 |
Enterprise value
| Measure | Norwood Financial | Industry median |
|---|---|---|
| EV / Sales | 35.79 | 2.76 |
| EV / FCF | 10.19 | 8.23 |
Income (trailing twelve months)
| Measure | Norwood Financial | Industry median |
|---|---|---|
| Revenue | $8.53M | $170.85M |
| Pretax Income | $36.35M | $70.12M |
| Net Income | $28.83M | $54.33M |
| EPS (Diluted) | $2.89 | $2.91 |
Margins
| Measure | Norwood Financial | Industry median |
|---|---|---|
| Pretax Margin | 426.2% | 36.5% |
| Profit Margin | 338.1% | 29.1% |
| FCF Margin | 351.2% | 33.2% |
Returns
| Measure | Norwood Financial | Industry median |
|---|---|---|
| Return on Equity (ROE) | 11.2% | 10.6% |
| Return on Assets (ROA) | 1.09% | 1.12% |
Growth
| Measure | Norwood Financial | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 11.4% | 11.8% |
| Net Income Growth (YoY) | 809.3% | 23.2% |
| EPS Growth (YoY) | 1104.2% | 23.1% |
| FCF Growth (YoY) | 45.0% | 28.5% |
| Revenue Growth (3Y CAGR) | -2.99% | 5.82% |
| Revenue Growth (5Y CAGR) | 5.20% | 6.17% |
| EPS Growth (3Y CAGR) | -5.62% | 1.31% |
| EPS Growth (5Y CAGR) | 7.57% | 8.24% |
Balance sheet
| Measure | Norwood Financial | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $60.29M | $205.54M |
| Net Cash (Debt) | $60.29M | $164.40M |
| Net Cash Per Share | $5.53 | $8.13 |
| Equity (Book Value) | $289.64M | $563.88M |
| Book Value Per Share | $26.57 | $28.47 |
| Tangible Book Value | $250.11M | $475.36M |
Cash flow (trailing twelve months)
| Measure | Norwood Financial | Industry median |
|---|---|---|
| Operating Cash Flow | $33.02M | $61.52M |
| Capital Expenditures | -$3.06M | -$4.08M |
| Free Cash Flow | $29.95M | $52.15M |
| FCF Per Share | $2.75 | $3.05 |
Efficiency
| Measure | Norwood Financial | Industry median |
|---|---|---|
| Asset Turnover | 0.00 | 0.04 |
Dividends and yields
| Measure | Norwood Financial | Industry median |
|---|---|---|
| Earnings Yield | 7.89% | 8.13% |
| FCF Yield | 8.19% | 8.91% |
| Dividend Yield | 3.73% | 2.48% |
| Shareholder Yield | 3.73% | 3.13% |
| Dividend Per Share | $1.25 | $0.93 |
| Dividend Growth (YoY) | 3.31% | 4.26% |
| Years of Dividend Growth | 2 | 2 |
| Payout Ratio | 44.2% | 29.3% |
| FCF Payout Ratio | 42.5% | 26.0% |
Shares
| Measure | Norwood Financial | Industry median |
|---|---|---|
| Shares Outstanding | 10,902,100 | 18,839,100 |
| Shares Change (YoY) | 16.5% | 0.40% |
| Float | 9,947,960 | 17,061,900 |
| Shares Held by Insiders | 8.75% | 5.89% |
| Shares Held by Institutions | 40.6% | 61.9% |
Taxes
| Measure | Norwood Financial | Industry median |
|---|---|---|
| Income Tax | $7.51M | $14.50M |
| Effective Tax Rate | 20.7% | 21.1% |
Scores
| Measure | Norwood Financial | Industry median |
|---|---|---|
| Graham Number | $41.56 | $45.31 |
| Graham Upside | 24.0% | 21.9% |
| Altman Z-Score | 0.16 | 0.21 |
| Piotroski F-Score | 6 | 6 |
Calculated by StockData from Norwood Financial's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.