Stock Scorecard
Stock Summary for Norwood Financial Corp (NWFL) - $31.62 as of 2/5/2026 12:53:26 AM EST
Total Score
14 out of 30
Safety Score
36 out of 100
Currently on the following lists
None
Tim's Recommendation
Possible Buy
Growth List Algorithm Criteria for NWFL
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for NWFL
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for NWFL
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for NWFL
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for NWFL (36 out of 100)
| Stock Price Rating (Max of 10) | 8 |
| Historical Stock Price Rating (Max of 10) | 7 |
| Stock Price Trend (Max of 10) | 7 |
| Book Value (Max of 10) | 7 |
| Book Value to Price (Max of 10) | 1 |
| Analyst Buy Ratings (Max of 5) | 2 |
| Analyst Strong Buy Ratings (Max of 5) | 0 |
| Dividend Yield Percentage (Max of 10) | 6 |
| Operating Margin (Max of 10) | 6 |
| Trading Volume (Max of 10) | 2 |
| Price to Earnings (Max of 10) | 0 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | -10 |
Latest News for for NWFL
Financial Details for NWFL
Company Overview |
|
|---|---|
| Ticker | NWFL |
| Company Name | Norwood Financial Corp |
| Country | N/A |
| Description | Norwood Financial Corp. (NWFL), headquartered in Honesdale, Pennsylvania, is a prominent regional banking entity that delivers an extensive range of financial solutions designed for both individual and business clients. The bank is recognized for its customer-centric approach, offering various products such as deposit accounts, residential and commercial lending, and investment services. With a robust capital base and a strategic focus on fostering local economic development, Norwood Financial has built a reputation for stability and resilience, making it an appealing option for institutional investors looking for growth opportunities in the regional banking sector. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 12/31/2025 |
| Next Earnings Date | 4/16/2026 |
Stock Price History |
|
| Last Day Price | 31.62 |
| Price 4 Years Ago | 28.92 |
| Last Day Price Updated | 2/5/2026 12:53:26 AM EST |
| Last Day Volume | 45,212 |
| Average Daily Volume | 36,195 |
| 52-Week High | 32.12 |
| 52-Week Low | 20.22 |
| Last Price to 52 Week Low | 56.38% |
Valuation Measures |
|
| Trailing PE | N/A |
| Industry PE | 14.62 |
| Sector PE | 17.15 |
| 5-Year Average PE | 38.17 |
| Free Cash Flow Ratio | 9.14 |
| Industry Free Cash Flow Ratio | 9.69 |
| Sector Free Cash Flow Ratio | 19.89 |
| Current Ratio Most Recent Quarter | 155.21 |
| Total Cash Per Share | 3.46 |
| Book Value Per Share Most Recent Quarter | 26.19 |
| Price to Book Ratio | 1.17 |
| Industry Price to Book Ratio | 1.15 |
| Sector Price to Book Ratio | 1.77 |
| Price to Sales Ratio Twelve Trailing Months | 3.40 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.37 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.71 |
| Analyst Buy Ratings | 1 |
| Analyst Strong Buy Ratings | 0 |
Share Statistics |
|
| Total Shares Outstanding | 9,293,900 |
| Market Capitalization | 293,873,118 |
| Institutional Ownership | N/A |
Dividends |
|
| Ex-Dividend Date | 1/15/2026 |
| Previous Dividend Amount | 0.3100 |
| Current Dividend Amount | 0.3200 |
| Total Years Dividend Increasing |
|
| Trailing Annual Dividend Rate | 1.25 |
| Trailing Annual Dividend Yield | 3.95% |
| Forward Annual Dividend Rate | 1.28 |
| Forward Annual Dividend Yield | 4.05% |
| 5-Year Dividend Payments Count | 20 |
| 3-Year Average Dividend Yield | 4.47% |
| 5-Year Average Dividend Yield | 4.24% |
| 1-Year Dividend Growth Rate Percentage | 3.23% |
| 3-Year Dividend Growth Rate Percentage | 1.60% |
| 5-Year Dividend Growth Rate Percentage | 3.39% |
| All-Time Dividend Growth Rate Percentage | 7.31% |
| Dividend Payout Ratio | 41.53% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 86.30% |
| Annual Earnings Growth | 17,446.25% |
| Reported EPS 12 Trailing Months | 3.01 |
| Reported EPS Past Year | 2.99 |
| Reported EPS Prior Year | 0.01 |
| Net Income Twelve Trailing Months | 27,754,000 |
| Net Income Past Year | 27,754,000 |
| Net Income Prior Year | -160,000 |
| Quarterly Revenue Growth YOY | 39.00% |
| 5-Year Revenue Growth | 15.50% |
| Operating Margin Twelve Trailing Months | 42.60% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 32,118,000 |
| Total Cash Past Year | 32,118,000 |
| Total Cash Prior Year | 72,339,000 |
| Net Cash Position Most Recent Quarter | -29,953,000 |
| Net Cash Position Past Year | -27,734,000 |
| Long Term Debt Past Year | 59,852,000 |
| Long Term Debt Prior Year | 59,852,000 |
| Total Debt Most Recent Quarter | 62,071,000 |
| Equity to Debt Ratio Past Year | 0.80 |
| Equity to Debt Ratio Most Recent Quarter | 0.80 |
| Total Stockholder Equity Past Year | 242,157,000 |
| Total Stockholder Equity Prior Year | 213,508,000 |
| Total Stockholder Equity Most Recent Quarter | 242,157,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 19,974,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 2.15 |
| Free Cash Flow Past Year | 19,680,000 |
| Free Cash Flow Prior Year | 19,680,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | False |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.00 |
| MACD Signal | 0.00 |
| 20-Day Bollinger Lower Band | 24.62 |
| 20-Day Bollinger Middle Band | 28.38 |
| 20-Day Bollinger Upper Band | 32.13 |
| Beta | 0.59 |
| RSI | 0.00 |
| 50-Day SMA | 0.00 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 0.00 |
System |
|
| Modified | 2/24/2026 4:43:11 AM EST |