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Ticker
NWFL

Price
25.40
Stock movement down
-0.12 (-0.48%)
Company name
Norwood Financial Corp
Exchange
(NASDAQ
,
Currency
USD
)
Sector
Financial Services >
Banks - Regional
Market cap
231.45M
Ent value
2.23B
Price/Sales
2.20
Price/Book
1.18
Div yield
4.96%
Div growth
5.68%
Growth years
23
FCF payout
44.67%
Trailing P/E
18.02
Forward P/E
8.14
PEG
-
EPS growth
-0.91%
1 year return
-3.96%
3 year return
-0.67%
5 year return
-1.35%
10 year return
2.34%
Last updated: 2025-09-12

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DIVIDENDS

Dividend yield - 5y

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Dividend yield data
Dividend per share1.24
Dividend yield4.96%
Payout frequencyQuarterly
Maximum yield5.54%
Average yield4.23%
Minimum yield3.27%
Discount to avg yield14.77%
Upside potential17.32%
Yield as % of max yield89.61%

Yield distribution (inverse percentile) - 5y

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Yield distribution data
Dividend yield4.96%
Current yield distribution3.73%
Yield at 100% (Min)3.27%
Yield at 90%3.73%
Yield at 80%3.93%
Yield at 50% (Median)4.18%
Yield at 20%4.61%
Yield at 10%4.80%
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 Jul 2025
EPS (TTM)1.60
EPS (1y forward)3.07
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 TTM3.42%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 announced133 days
EPS growth (5y)-0.91%
EPS growth (5y forward)-

Payout ratio

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Payout ratio data
EPS coverageFCF coverage
TTM74.99%44.67%
Average42.92%35.91%
Forward40.39%-

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iO Charts is a Seeking Alpha partner

VALUATION

Valuation Ratios

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Valuation Ratios data
Trailing P/E18.02
Price to OCF9.39
Price to FCF10.73
Price to EBITDA39.70
EV to EBITDA382.96

Valuation (Sales/Book Value)

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Valuation (Sales/Book Value) data
Price to Sales2.20
Price to Book1.18
EV to Sales21.22

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iO Charts is a Seeking Alpha partner

FINANCIALS

Per share

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Per share data
Current share count9.26M
EPS (TTM)1.60
FCF per share (TTM)2.68

Income statement

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Income statement data
Revenue (TTM)105.22M
Gross profit (TTM)106.17M
Operating income (TTM)17.32M
Net income (TTM)12.84M
EPS (TTM)1.60
EPS (1y forward)3.07

Margins

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Margins data
Gross margin (TTM)100.90%
Operating margin (TTM)16.46%
Profit margin (TTM)12.21%

Balance Sheet

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Balance Sheet data
Cash82.88M
Net receivables1.66B
Total current assets2.11B
Goodwill29.27M
Intangible assets167.00K
Property, plant and equipment0.00
Total assets2.28B
Accounts payable12.69M
Short/Current long term debt137.41M
Total current liabilities65.14M
Total liabilities2.08B
Shareholder's equity195.65M
Net tangible assets0.00

Cash flow

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Cash flow data
Operating cash flow (TTM)24.65M
Capital expenditures (TTM)3.09M
Free cash flow (TTM)21.56M
Dividends paid (TTM)9.63M

Financial returns

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Financial returns data
Return on Equity6.56%
Return on Assets0.56%
Return on Invested Capital3.86%
Cash Return on Invested Capital6.47%

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STOCK INFORMATION

Stock chart

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Stock price data
Open25.12
Daily high25.19
Daily low24.92
Daily Volume7K
All-time high40.41
1y analyst estimate26.50
Beta0.69
EPS (TTM)1.60
Dividend per share1.24
Ex-div date15 Jul 2025
Next earnings date28 Oct 2025

Downside potential

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Downside potential data
NWFLS&P500
Current price drop from All-time high-38.16%-1.46%
Highest price drop-52.02%-56.47%
Date of highest drop8 Dec 20009 Mar 2009
Avg drop from high-18.76%-10.99%
Avg time to new high36 days12 days
Max time to new high1736 days1805 days

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iO Charts is a Seeking Alpha partner

COMPANY DETAILS
NWFL (Norwood Financial Corp) company logo
Marketcap
231.45M
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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