Norwood Financial Corp.

NWFL | NASDAQ

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$34.35

-$0.41 (-1.18%)

At close: Sep 21, 2026, 4:00 PM ET

$34.35

$0 (0.00%)

After-hours: Sep 21, 2026, 7:30 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $374.1M

Enterprise Value $-59.65M

Beta 0.53

Average Volume 35.05K

Shares Outstanding (Diluted) 9.16M

Shares Change YoY 0%

Institutional Ownership 48.44%

Exchange NASDAQ

ISIN US6695491075

Price Performance

Price Change 1M 2.0%

Price Change 3M 10.8%

Price Change 6M 18.8%

Price Change YTD 22.7%

Price Change 1Y 31.3%

Price Change 3Y 31.0%

Price Change 5Y 35.3%

1M CAGR (ann.) 1.5%

1Y CAGR (ann.) 34.8%

5Y CAGR (ann.) 11.1%

All-Time CAGR 7.1%

Valuation

PE Ratio 10.94

Forward PE 10.60

PEG Ratio 0.01

Forward PEG 1.05

PS Ratio 2.59

Forward PS 3.00

PB Ratio 1.29

P/FCF Ratio 12.36

P/Adj. FCF Ratio 12.70

P/OCF Ratio 9.54

EV/Sales -0.41

EV/EBIT -1.62

EV/EBITDA -1.55

EV/FCF -1.97

Earnings Yield 9.1%

FCF Yield 8.1%

Adj. FCF Yield 7.9%

Financial Health

Net Cash $433.74M

Total Debt $65.51M

Cash & Short-Term Investments $499.26M

Total Assets $2.91B

Current Ratio 1.09

Quick Ratio 1.09

Debt / Equity Ratio 0.23

Debt / EBITDA 1.71

Debt / FCF 2.16

OCF / Debt 0.47

Interest Coverage 0.72

Altman Z-Score 0.34

Piotroski F-Score 9

Margins & Profitability

Gross Profit Margin 62.5%

Operating Profit Margin 25.5%

EBITDA Margin 26.6%

Net Profit Margin 20.0%

FCF Margin 21.0%

Adj. FCF Margin 20.4%

SBC / Revenue 0.6%

SBC Impact (per share) -2.7%

Returns

Return on Assets 1.0%

Return on Equity 11.0%

Return on Invested Capital 7.6%

Return on Capital Employed 9.6%

Return on Tangible Assets 1.0%

Historical Growth (CAGR)

Revenue CAGR 3Y 15.8%

Revenue CAGR 5Y 13.0%

Revenue CAGR 10Y 16.0%

EPS CAGR 3Y -2.5%

EPS CAGR 5Y 3.4%

EPS CAGR 10Y 11.8%

FCF CAGR 3Y 1.1%

FCF CAGR 5Y 13.7%

FCF CAGR 10Y 11.5%

Analyst Forecasts

Analyst Rating Hold

Analyst Count 1

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Oct 27, 2026

EPS Estimate (next Q) $0.95

EPS Growth Est (next Q) 1.1%

Revenue Est (next Q) $30.1M

Revenue Growth Est (next Q) 31.1%

Fair Value Estimates

Graham Number $47.26

Graham Upside 37.6%

Lynch Fair Value $15.70

Lynch Upside -54.3%

Price Target $35

Price Target Upside 1.9%

Cash Flow

Operating Cash Flow $30.87M

Free Cash Flow $30.27M

Adj. Free Cash Flow $29.46M

FCF Per Share $3.67

OCF Per Share $3.60

OCF/S Ratio 22.9%

Income Statement

Revenue $144.42M

Gross Profit $90.23M

Operating Income $36.82M

EBITDA $38.41M

Net Income $28.83M

EPS (Diluted) $3.14

Revenue / Employee $525.15K

Profit / Employee $104.85K

Employees 275

Dividends

Annual Dividend $1.27

Dividend Yield 3.70%

Payout Ratio 40.5%

FCF Payout Ratio 40.0%

Adj. FCF Payout Ratio 41.1%

Dividend Growth (YoY) 3.3%

Pay Frequency Quarterly

Ex-Dividend Date Oct 14, 2026