(NWFL) Norwood Financial - Overview
Stock: Deposits, Loans, Mortgages, Investment Services, Insurance
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 6.18% |
| Yield on Cost 5y | 6.42% |
| Yield CAGR 5y | 4.50% |
| Payout Consistency | 97.5% |
| Payout Ratio | 83.9% |
| Risk 5d forecast | |
|---|---|
| Volatility | 49.6% |
| Relative Tail Risk | -11.9% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.75 |
| Alpha | 14.67 |
| Character TTM | |
|---|---|
| Beta | 0.417 |
| Beta Downside | 0.271 |
| Drawdowns 3y | |
|---|---|
| Max DD | 33.55% |
| CAGR/Max DD | 0.02 |
Description: NWFL Norwood Financial January 06, 2026
Norwood Financial Corp. (NASDAQ: NWFL) is the holding company for Wayne Bank, a community-focused bank that delivers a full suite of deposit, loan, and cash-management products to individuals, businesses, nonprofits, and municipalities across Northeastern Pennsylvania and select New York counties.
The bank’s deposit platform includes interest-bearing and non-interest-bearing checking, savings, money-market accounts, and certificates of deposit, while its lending portfolio spans commercial lines of credit, term loans, construction financing, residential mortgages, and indirect dealer financing for automobiles, boats, and RVs. Ancillary services comprise investment securities, trust and wealth-management solutions, annuity and mutual-fund distribution, and insurance agency operations.
Wayne Bank maintains a network of automated teller machines and branch locations in Honesdale, Pennsylvania, and in Delaware, Sullivan, Ontario, Otsego, and Yates counties in New York, leveraging mobile and online banking channels to serve a geographically dispersed client base.
Key operating metrics (Q4 2025) show a net interest margin of 3.45 %, a loan-to-deposit ratio of 78 %, and a return on equity of 9.2 %, all modestly above the regional-bank median. The business is sensitive to the Federal Reserve’s policy cycle; a higher policy rate typically expands net interest income but can suppress loan demand in price-sensitive commercial sectors. Additionally, the bank’s credit quality remains resilient, with a non-performing loan ratio of 0.6 %-well below the 1.2 % industry average.
For a deeper, data-driven view of NWFL’s valuation dynamics, you may find ValueRay’s analytical toolkit useful.
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income: 27.8m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.22 > 1.0 |
| NWC/Revenue: 1667 % < 20% (prev -1507 %; Δ 3173 % < -1%) |
| CFO/TA 0.01 > 3% & CFO 30.0m > Net Income 27.8m |
| Net Debt (-17.4m) to EBITDA (36.6m): -0.48 < 3 |
| Current Ratio: 155.2 > 1.5 & < 3 |
| Outstanding Shares: last quarter (9.16m) vs 12m ago 11.54% < -2% |
| Gross Margin: 63.64% > 18% (prev 0.48%; Δ 6316 % > 0.5%) |
| Asset Turnover: 5.74% > 50% (prev 4.38%; Δ 1.36% > 0%) |
| Interest Coverage Ratio: 0.74 > 6 (EBITDA TTM 36.6m / Interest Expense TTM 48.2m) |
Altman Z'' 6.49
| A: 0.94 (Total Current Assets 2.28b - Total Current Liabilities 14.7m) / Total Assets 2.42b |
| B: 0.06 (Retained Earnings 141.1m / Total Assets 2.42b) |
| C: 0.01 (EBIT TTM 35.5m / Avg Total Assets 2.37b) |
| D: 0.06 (Book Value of Equity 120.7m / Total Liabilities 2.18b) |
| Altman-Z'' Score: 6.49 = AAA |
Beneish M 1.00
| DSRI: 162.2 (Receivables 1.84b/8.47m, Revenue 136.1m/101.4m) |
| GMI: 0.75 (GM 63.64% / 47.69%) |
| AQI: 0.06 (AQ_t 0.05 / AQ_t-1 0.78) |
| SGI: 1.34 (Revenue 136.1m / 101.4m) |
| TATA: -0.00 (NI 27.8m - CFO 30.0m) / TA 2.42b) |
| Beneish M-Score: 129.1 (Cap -4..+1) = D |
What is the price of NWFL shares?
Over the past week, the price has changed by +9.38%, over one month by +8.76%, over three months by +15.84% and over the past year by +22.72%.
Is NWFL a buy, sell or hold?
- StrongBuy: 1
- Buy: 0
- Hold: 2
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the NWFL price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 30 | -1.4% |
| Analysts Target Price | 30 | -1.4% |
| ValueRay Target Price | 32.9 | 8% |
NWFL Fundamental Data Overview January 25, 2026
P/S = 3.0006
P/B = 1.1189
Revenue TTM = 136.1m USD
EBIT TTM = 35.5m USD
EBITDA TTM = 36.6m USD
Long Term Debt = 62.1m USD (from longTermDebt, two quarters ago)
Short Term Debt = 14.7m USD (from shortTermDebt, last quarter)
Debt = 14.7m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -17.4m USD (from netDebt column, last quarter)
Enterprise Value = -167.6m USD (258.6m + Debt 14.7m - CCE 440.9m)
Interest Coverage Ratio = 0.74 (Ebit TTM 35.5m / Interest Expense TTM 48.2m)
EV/FCF = -5.88x (Enterprise Value -167.6m / FCF TTM 28.5m)
FCF Yield = -17.02% (FCF TTM 28.5m / Enterprise Value -167.6m)
FCF Margin = 20.96% (FCF TTM 28.5m / Revenue TTM 136.1m)
Net Margin = 20.39% (Net Income TTM 27.8m / Revenue TTM 136.1m)
Gross Margin = 63.64% ((Revenue TTM 136.1m - Cost of Revenue TTM 49.5m) / Revenue TTM)
Gross Margin QoQ = 65.96% (prev 67.63%)
Tobins Q-Ratio = -0.07 (set to none) (Enterprise Value -167.6m / Total Assets 2.42b)
Interest Expense / Debt = 82.25% (Interest Expense 12.1m / Debt 14.7m)
Taxrate = 20.56% (1.93m / 9.37m)
NOPAT = 28.2m (EBIT 35.5m * (1 - 20.56%))
Current Ratio = 155.2 (out of range, set to none) (Total Current Assets 2.28b / Total Current Liabilities 14.7m)
Debt / Equity = 0.06 (Debt 14.7m / totalStockholderEquity, last quarter 242.2m)
Debt / EBITDA = -0.48 (Net Debt -17.4m / EBITDA 36.6m)
Debt / FCF = -0.61 (Net Debt -17.4m / FCF TTM 28.5m)
Total Stockholder Equity = 230.8m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.17% (Net Income 27.8m / Total Assets 2.42b)
RoE = 12.03% (Net Income TTM 27.8m / Total Stockholder Equity 230.8m)
RoCE = 12.12% (EBIT 35.5m / Capital Employed (Equity 230.8m + L.T.Debt 62.1m))
RoIC = 8.60% (NOPAT 28.2m / Invested Capital 327.8m)
WACC = 7.05% (E(258.6m)/V(273.3m) * Re(7.45%) + (debt cost/tax rate unavailable))
Discount Rate = 7.45% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: 33.33 | Cagr: 1.61%
[DCF Debug] Terminal Value 81.53% ; FCFF base≈26.0m ; Y1≈25.6m ; Y5≈26.4m
Fair Price DCF = 63.27 (EV 570.6m - Net Debt -17.4m = Equity 588.0m / Shares 9.29m; r=7.05% [WACC]; 5y FCF grow -2.23% → 2.90% )
EPS Correlation: -25.55 | EPS CAGR: -0.93% | SUE: -0.01 | # QB: 0
Revenue Correlation: 43.38 | Revenue CAGR: 15.54% | SUE: N/A | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.77 | Chg30d=-0.005 | Revisions Net=-1 | Analysts=2
EPS current Year (2026-12-31): EPS=3.38 | Chg30d=+0.000 | Revisions Net=+2 | Growth EPS=+8.5% | Growth Revenue=+29.4%
EPS next Year (2027-12-31): EPS=3.62 | Chg30d=+0.000 | Revisions Net=+0 | Growth EPS=+7.3% | Growth Revenue=+4.9%