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NORWOOD FINANCIAL CORP NWFL
NORWOOD FINANCIAL CORP (NWFL) earns a Piotroski F-score of 5/9 (mixed financial health). It pays a dividend yielding 3.25% (safety: moderate). FY2025 revenue was $8.0M at a 347.0% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 5/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| NWFL | NORWOOD FINANCIAL CORP | 5/9 | — | 12.7 | — |
| CZFS | CITIZENS FINANCIAL SERVICES INC | 5/9 | — | 9.7 | — |
| BFST | Business First Bancshares, Inc. | 5/9 | — | 11.5 | +1.2% |
| RBB | RBB Bancorp | 3/9 | — | — | — |
| MCB | Metropolitan Bank Holding Corp. | 4/9 | — | 17.4 | -53.8% |
| BOTJ | BANK OF THE JAMES FINANCIAL GROUP INC | 6/9 | — | 12.3 | — |
| NWPP | NEW PEOPLES BANKSHARES INC | 5/9 | — | 9.9 | — |
All Finance, Insurance & Real Estate companies →
About NORWOOD FINANCIAL CORP
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 offers annuity and insurance products; and engages in mutual fund sale, advisory services, 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.
FAQ
Is NWFL financially healthy?
NORWOOD FINANCIAL CORP's Piotroski F-score is 5/9 (8–9 is excellent, 0–3 weak).
Does NWFL pay a dividend, and is it safe?
Yes. NORWOOD FINANCIAL CORP pays a dividend yielding about 3.25% with a 41.4% payout ratio, rated “moderate” for safety.
How profitable is NWFL?
In FY2025, NORWOOD FINANCIAL CORP had a net margin of 347.0% and a return on equity of 11.5%.
Is NWFL overvalued or undervalued?
NORWOOD FINANCIAL CORP trades at about 11.5× trailing earnings — below its 10-year norm (10-year range 9.1×–24.0×, median 13.5×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for NWFL?
The average Wall-Street price target for NORWOOD FINANCIAL CORP is $33.50, about 2.9% below the recent price, from 2 analysts (consensus: buy).
Is NWFL a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on NORWOOD FINANCIAL CORP: a Piotroski F-score of 5/9, a P/E of about 12.7×, a dividend yield of 3.25%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.