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Ticker
NWFL

Price
26.57
Stock movement up
+0.35 (1.33%)
Company name
Norwood Financial Corp
Exchange
(NASDAQ
,
Currency
USD
)
Sector
Financial Services >
Banks - Regional
Market cap
246.08M
Ent value
2.25B
Price/Sales
2.34
Price/Book
1.26
Div yield
4.67%
Div growth
5.68%
Growth years
23
FCF payout
-
Trailing P/E
19.16
Forward P/E
8.56
PEG
-
EPS growth
-0.91%
1 year return
-2.96%
3 year return
-
5 year return
-
10 year return
-
Last updated: 2025-10-30

iO Charts is a Seeking Alpha partner

iO Charts is a Seeking Alpha partner

DIVIDENDS

Dividend yield - 5y

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Dividend yield data
Dividend per share1.24
Dividend yield4.67%
Payout frequencyQuarterly
Maximum yield5.54%
Average yield4.65%
Minimum yield3.69%
Discount to avg yield0.29%
Upside potential0.29%
Yield as % of max yield84.28%

Yield distribution (inverse percentile) - 5y

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Yield distribution data
Dividend yield4.67%
Current yield distribution53.38%
Yield at 100% (Min)3.69%
Yield at 90%4.00%
Yield at 80%4.46%
Yield at 50% (Median)4.69%
Yield at 20%4.92%
Yield at 10%5.04%
Yield at 0% (Max)5.54%

Dividend per share

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Dividend per share data
Years of growth23 years
CCC statusDividend Contender
Dividend per share1.24
Payout frequencyQuarterly
Ex-div date15 Oct 2025
EPS (TTM)-
EPS (1y forward)3.38
EPS growth (5y)-0.91%
EPS growth (5y forward)-

Dividend growth

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Dividend growth data
NWFLS&P500
DGR MR3.33%-13.74%
DGR TTM3.39%6.60%
DGR 3 years5.07%5.24%
DGR 5 years5.68%5.40%
DGR 10 years4.29%7.07%
DGR 15 years4.42%6.12%
Time since last change announced145 days
EPS growth (5y)-0.91%
EPS growth (5y forward)-

Payout ratio

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Payout ratio data
EPS coverageFCF coverage
TTM--
Average42.92%35.91%
Forward39.94%-

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VALUATION

Valuation Ratios

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Valuation Ratios data
Trailing P/E19.16
Price to OCF9.98
Price to FCF11.41
Price to EBITDA42.21
EV to EBITDA385.47

Valuation (Sales/Book Value)

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Valuation (Sales/Book Value) data
Price to Sales2.34
Price to Book1.26
EV to Sales21.36

iO Charts is a Seeking Alpha partner

iO Charts is a Seeking Alpha partner

FINANCIALS

Per share

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Per share data
Current share count9.26M
EPS (TTM)-
FCF per share (TTM)-

Income statement

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Income statement data
Revenue (TTM)-
Gross profit (TTM)-
Operating income (TTM)-
Net income (TTM)-
EPS (TTM)-
EPS (1y forward)3.38

Margins

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Margins data
Gross margin (TTM)-
Operating margin (TTM)-
Profit margin (TTM)-

Balance Sheet

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Balance Sheet data
Cash50.35M
Net receivables1.79B
Total current assets2.25B
Goodwill29.27M
Intangible assets109.00K
Property, plant and equipment0.00
Total assets2.41B
Accounts payable0.00
Short/Current long term debt72.07M
Total current liabilities0.00
Total liabilities2.18B
Shareholder's equity234.91M
Net tangible assets0.00

Cash flow

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Cash flow data
Operating cash flow (TTM)-
Capital expenditures (TTM)-
Free cash flow (TTM)-
Dividends paid (TTM)-

Financial returns

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Financial returns data
Return on Equity-
Return on Assets-
Return on Invested Capital-
Cash Return on Invested Capital-

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STOCK INFORMATION

Stock chart

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Stock price data
Open26.03
Daily high26.70
Daily low25.89
Daily Volume43K
All-time high40.41
1y analyst estimate28.00
Beta0.60
EPS (TTM)-
Dividend per share1.24
Ex-div date15 Oct 2025
Next earnings date-

Downside potential

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Downside potential data
NWFLS&P500
Current price drop from All-time high-34.25%-1.10%
Highest price drop-46.37%-19.00%
Date of highest drop10 Apr 20258 Apr 2025
Avg drop from high-35.00%-2.76%
Avg time to new high-5 days
Max time to new high266 days89 days

iO Charts is a Seeking Alpha partner

iO Charts is a Seeking Alpha partner

COMPANY DETAILS
NWFL (Norwood Financial Corp) company logo
Marketcap
246.08M
Marketcap category
Small-cap
Description
Norwood Financial Corp. operates as the bank holding company for Wayne Bank that provides various banking products and services in the United States. The company offers deposit products, including interest-bearing and non-interest-bearing transaction, statement savings, and money market accounts, as well as certificate of deposits. Its commercial loans include lines of credit, revolving credit, term loans, mortgages, secured lending products, and letter of credit facilities; municipal finance lending; construction loans for commercial construction projects and single-family residences; construction financing; land and consumer loans; mortgage lending to finance principal residences and second home dwellings; and indirect dealer financing of new and used automobiles, boats, and recreational vehicles. In addition, the company offers investment securities services; personal and business credit services; trust and investment products; and cash management, direct deposit, remote deposit capture, mobile deposit capture, automated clearing house activity, real estate settlement, and internet and mobile banking services. Further, it engages in the annuity and mutual fund sale, and discount brokerage activities, as well as insurance agency business. The company serves consumers, businesses, nonprofit organizations, and municipalities. It operates automated teller machines and branches in Northeastern Pennsylvania; and in New York counties of Delaware, Sullivan, Ontario, Otsego, and Yates. The company was founded in 1870 and is based in Honesdale, Pennsylvania.
Employees
264
Investor relations
SEC filings
CEO
Country
USA
City
Stock type
Common stock
CCC status
Dividend Contender
Dividend Frequency
Quarterly
EVENTS AND PRESENTATIONS
EventsPresentations
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UNDERSTAND THE BUSINESS
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