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NORWOOD FINANCIAL CORP NWFL

Nasdaq · stock · State Commercial Banks · website · IPO 1997-01-02

NORWOOD FINANCIAL CORP statistics & valuation

Market cap$353.8M
P / E12.7×
P / S44.2×
P / B1.5×
P / FCF12.1×
Dividend yield3.25%
Net margin347.0%
Return on equity11.5%
FCF margin365.6%
Graham number +22.1%$42.14

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($42.14); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
241.10% 260.90% 242.90% 354.90% 333.70% 234.90% -2.20% 347.00% 2016201720182019202020212022202320242025
Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
6.00% 7.10% 11.20% 10.30% 7.70% 12.10% 17.50% 9.30% -0.10% 11.50% 2016201720182019202020212022202320242025
Shares outstanding
5.8M 6.3M 6.3M 6.3M 7.2M 8.2M 8.2M 8.1M 8.1M 9.2M 2016201720182019202020212022202320242025
Net debt ($)
2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.60% 0.70% 1.20% 1.20% 0.80% 1.20% 1.40% 0.80% 0.00% 1.10% 2016201720182019202020212022202320242025
Free cash flow margin (%)
290.00% 308.60% 210.10% 397.90% 326.20% 398.20% 266.00% 365.60% 2016201720182019202020212022202320242025
Debt / equity (×)
2016201720182019202020212022202320242025
EPS ($)
$1.15 $1.31 $2.17 $2.25 $2.09 $3.04 $3.58 $2.07 -$0.02 $3.01 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

NORWOOD FINANCIAL CORP trades at about 11.5× earnings — below its 10-year norm (10-year range 9.1×–24×, median 13.5×).

9.1× 24×

Shaded band = 10-year range (9.1×–24×); dot = today's 11.5×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net margin347.0%-2.2%234.9%333.7%354.9%242.9%260.9%241.1%——
FCF margin365.6%266.0%398.2%326.2%397.9%210.1%308.6%290.0%——
Return on assets1.1%-0.0%0.8%1.4%1.2%0.8%1.2%1.2%0.7%0.6%
Return on equity11.5%-0.1%9.3%17.5%12.1%7.7%10.3%11.2%7.1%6.0%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.