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Ticker
NWFL

Price
32.08
Stock movement up
+0.56 (1.78%)
Company name
Norwood Financial Corp
Exchange
(NASDAQ
,
Currency
USD
)
Sector
Financial Services >
Banks - Regional
Market cap
298.15M
Ent value
2.45B
Price/Sales
2.19
Price/Book
1.23
Div yield
3.99%
Div growth
-9.12%
Growth years
23
FCF payout
43.15%
Trailing P/E
10.74
Forward P/E
8.67
PEG
-
EPS growth
7.70%
1 year return (CAGR)
23.29%
3 year return (CAGR)
-2.13%
5 year return (CAGR)
5.11%
10 year return (CAGR)
5.40%
Last updated: 2026-02-20

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DIVIDENDS

Dividend yield - 5y

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Dividend yield data
Dividend per share1.28
Dividend yield3.99%
Payout frequencyQuarterly
Maximum yield5.54%
Average yield4.29%
Minimum yield3.27%
Discount to avg yield-7.39%
Upside potential-6.89%
Yield as % of max yield72.05%

Yield distribution (inverse percentile) - 5y

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Yield distribution data
Dividend yield3.99%
Current yield distribution78.17%
Yield at 100% (Min)3.27%
Yield at 90%3.79%
Yield at 80%3.97%
Yield at 50% (Median)4.28%
Yield at 20%4.65%
Yield at 10%4.83%
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 share1.28
Payout frequencyQuarterly
Ex-div date15 Jan 2026
EPS (TTM)3.03
EPS (1y forward)3.70
EPS growth (5y)7.70%
EPS growth (5y forward)-

Dividend growth

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Dividend growth data
NWFLS&P500
DGR MR3.23%-13.74%
DGR TTM4.20%6.60%
DGR 3 years-17.89%7.31%
DGR 5 years-9.12%4.69%
DGR 10 years-2.76%6.30%
DGR 15 years-0.60%8.16%
Time since last change announced68 days
EPS growth (5y)7.70%
EPS growth (5y forward)-

Payout ratio

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Payout ratio data
EPS coverageFCF coverage
TTM31.05%43.15%
Average--
Forward34.59%-

VALUATION

Valuation Ratios

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Valuation Ratios data
Trailing P/E10.74
Price to OCF11.84
Price to FCF14.93
Price to EBITDA6.18
EV to EBITDA50.72

Valuation (Sales/Book Value)

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Valuation (Sales/Book Value) data
Price to Sales2.19
Price to Book1.23
EV to Sales17.99

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FINANCIALS

Per share

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Per share data
Current share count9.29M
EPS (TTM)3.03
FCF per share (TTM)2.18

Income statement

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Income statement data
Revenue (TTM)136.14M
Gross profit (TTM)86.63M
Operating income (TTM)35.49M
Net income (TTM)27.75M
EPS (TTM)3.03
EPS (1y forward)3.70

Margins

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Margins data
Gross margin (TTM)63.63%
Operating margin (TTM)26.07%
Profit margin (TTM)20.39%

Balance Sheet

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Balance Sheet data
Cash32.12M
Net receivables1.84B
Total current assets2.28B
Goodwill29.27M
Intangible assets98.00K
Property, plant and equipment0.00
Total assets2.42B
Accounts payable0.00
Short/Current long term debt74.13M
Total current liabilities14.71M
Total liabilities2.18B
Shareholder's equity242.16M
Net tangible assets0.00

Cash flow

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Cash flow data
Operating cash flow (TTM)25.19M
Capital expenditures (TTM)5.22M
Free cash flow (TTM)19.97M
Dividends paid (TTM)8.62M

Financial returns

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Financial returns data
Return on Equity11.46%
Return on Assets1.14%
Return on Invested Capital10.80%
Cash Return on Invested Capital7.78%

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STOCK INFORMATION

Stock chart

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Stock price data
Open31.80
Daily high32.15
Daily low31.78
Daily Volume65K
All-time high40.41
1y analyst estimate33.00
Beta0.59
EPS (TTM)3.03
Dividend per share1.28
Ex-div date15 Jan 2026
Next earnings date-

Downside potential

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Downside potential data
NWFLS&P500
Current price drop from All-time high-20.61%-1.82%
Highest price drop-52.02%-56.47%
Date of highest drop8 Dec 20009 Mar 2009
Avg drop from high-19.03%-10.84%
Avg time to new high37 days12 days
Max time to new high1858 days1805 days

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COMPANY DETAILS
NWFL (Norwood Financial Corp) company logo
Marketcap
298.15M
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
281
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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