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Norwood Financial Corp (NWFL) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Norwood Financial Corp stock $22.19, price $35.68, that is 37.8% below the price, quality 55 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

NF Norwood Financial Corp logo Broad data Nov 8, 2026

Norwood Financial Corp

NWFL · US
Solid, but very expensive

Our calculation puts a fair price 38% below what the stock costs today.

Healthy Growth (revenue 5y +15.5 %/yr in USD)
Highly profitable · 30.1% net margin (TTM)
0.9% dividend yield · Low payout
Positive coverage
Broad data
Revenue last quarter +31% vs. a year ago.
Quality 55/100
Mixed vs. peers (6/15)
Moderate moat 58/100 · thin data
Insiders bought $136,225 (6M) · sold $103,565
Fair value $22.19 · Strongly overvalued
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$37.18 $19.63 Fair Value $22.19 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.

How to read this chart

60‑month range $19.63 – $37.18 · fair‑value band $19.74 – $28.69 · the $35.68 price screens above the $22.19 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.

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Company profile

Norwood Financial Corp. operates as the bank holding company for Wayne Bank that provides various banking products and services in the United States.

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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.

Stock analysis

Norwood Financial Corp (NWFL) currently trades at $35.68, while our model-based Fair Value estimate is $22.19, 38% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $30.18 per share, and 0 of the 6 models we run sit above the $35.68 price.

Bear case: the Asset-Based group reads lowest at $13.06, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: $19.74 (bear) to $28.69 (bull), the price of $35.68 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 55/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Norwood Financial Corp reported revenue of $136M in FY2025 versus $79.4M in FY2021, a compound +14.4%/yr. Reported net income was $27.8M in FY2025, compounding +2.7%/yr from FY2021.

Key figures

Market cap $391M Small · P/E ratio 12.8 · P/S ratio 3.92 · EPS (TTM) $2.79 · Dividend yield 0.9% · Net margin 30.1% · Return on equity 12.5% · Return on assets (EBIT) 1.1% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 58 out of 100 (low confidence).

What moves the price

The share trades about 4% below its 52-week high and 37% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −29% fair-value upside, at −38%, NWFL screens richer than that median.

Fair Value models

Bear $19.74 Fair Value $22.19 Bull $28.69
Price $35.68 · Downside -37.8%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($2.12 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $19.74 $22.19 $28.69 76
Gordon GGM $8.89 $17.11 $25.01 67
DDM Multi-Stage $8.89 $15.08 $18.14 67
All 6 models by family
Dividend Discount
Gordon GGM $8.89 $17.11 $25.01 67
DDM Multi-Stage $8.89 $15.08 $18.14 67
Multiples
P/E Multiple $24.79 $33.06 $41.32 63
P/B Multiple $20.47 $27.29 $34.12 55
Asset-Based
NCAV (Graham) $9.75 $13.06 $19.50 54
Economic Profit
Residual Income $19.74 $22.19 $28.69 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 55/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 33
How much profit the company makes from its sales and capital
Quality Growth 84
Are margins and returns getting better?
Cashflow 77
Do the profits arrive as real cash?
Financial strength 6
Debt, balance sheet and risk of trouble
Investment 66
Does it invest with discipline instead of growing at any price?
Low Volatility 86
How calm the share price moves, does not count
Price momentum 62
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 80
Distance to the 52-week high, does not count
New shares 59
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, 3 officers or directors bought shares worth $136,225, most recently on Jul 28, 2026. Over the same period, one person sold shares worth $103,565. Buying cluster

  • SaleVincent O'BellEVP & Chief Lending Officer3,000 shares at $34.52$103,565Sep 2, 2026
  • BuyJames ShookDirector3× since Jan 28, 2026: 6,975 shares, avg. $31.37$218,803Jul 28, 2026
  • BuyRonald R SchmalzleDirector700 shares at $30.19$21,133May 26, 2026
  • BuyAndrew ForteDirector270 shares at $29.58$7,987May 12, 2026
  • BuyJoseph W CarrollDirector4× since Jan 27, 2026: 6,852 shares, avg. $28.24$193,480May 5, 2026
  • BuyJohn Martin McCaffery JREVP & CFO1,000 shares at $29.44$29,440Apr 30, 2026
  • BuyJames O DonnellyPresident & CEO, Director2× since Jan 27, 2026: 300 shares, avg. $28.45$8,536Apr 29, 2026

Plus 74 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+34.2%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+16.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+15.5%
Start year 2020 (pandemic). Over 10 years: +15.4% a year
Revenue growth 30 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+9.7%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+7.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year+6.2%
Dividend (yield on the price)0.9%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.6.2% vs 10.1%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.28% → 26%
Pace: the 5-year rate starts in 2020 (pandemic)

NWFL screens overvalued: fair value 38% below the price. Compare with China Merchants Bank Co →

Earlier news

News mood ⓘNews mood, the average tone of recent news (66 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation. Positive
Recent news coverage is more positive than average.

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 6/15 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 55 · Above median
Fair Value upside −37.8% · Bottom 25%
Profitability
Return on equity (12 months) 12.5% · Above median
Return on assets 1.1% · Above median
Net margin (12 months) 30.1% · Above median
Operating margin (12 months) 0.0% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 31.4% · Top 25%
Dividend yield (12 months) 0.9% · Bottom 25%
Balance sheet
Debt / equity 0.12× · Below median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 12.8× · Pricier than median
P/B 1.61× · Priciest 25%
P/S (12 months) 3.92× · Pricier than median
Price / free cash flow (fiscal year) 13.4× · Pricier than median
EV/EBITDA 10.3× · Pricier than median
PEG 2.36× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 8
FUTURE (revenue growth)100 · sector 47
PAST (return on equity)50 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)18 · sector 52

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.62 ¥7.59 +35% vs NWFL
China Merchants Bank Co 600036 ¥43.01 ¥52.73 +23% vs NWFL
BNP Paribas SA BNP €93.98 €106.01 +13% vs NWFL
State Bank of India SBIN ₹1,042 ₹736.65 −29% vs NWFL
Intesa Sanpaolo S.p.A ISP €6.35 €4.49 −29% vs NWFL
Mizuho Financial Group MFG $9.40 $5.89 −37% vs NWFL
UniCredit S.p.A UCG €81.62 €50.44 −38% vs NWFL
DBS Group D05 69.72 SGD 40.39 SGD −42% vs NWFL
HDFC Bank Limited HDFCBANK ₹798.15 ₹406.39 −49% vs NWFL
ICICI Bank Limited ICICIBANK ₹1,589 ₹615.63 −61% vs NWFL

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Cite: Fair Value Calculator (2026). "Norwood Financial Corp Fair Value". https://www.fairvalue-calculator.com/stock/NWFL

Frequently asked questions

Is Norwood Financial Corp (NWFL) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $22.19 versus a price of $35.68, about 38% lower (overvalued).
What is the fair value of NWFL?
Our model-based fair value for Norwood Financial Corp is $22.19 (as of Nov 8, 2026), built from audited fundamentals. The current price: $35.68.
What is the quality score of NWFL?
Norwood Financial Corp has a Quality Score of 55/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Norwood Financial Corp (NWFL)?
Our model-based price target is the fair value of $22.19 (as of Nov 8, 2026) from 6 valuation models. Cautious scenario $19.74, optimistic scenario $28.69. It is a calculation from audited fundamentals, not an analyst target.
What is the Norwood Financial Corp stock forecast for 2026?
Our models put fair value at $22.19, about 38% lower versus a price of $35.68 (overvalued). Cautious scenario $19.74, optimistic scenario $28.69. The calculation is refreshed regularly with new filings.
What is the revenue of Norwood Financial Corp (NWFL)?
Norwood Financial Corp reported trailing-twelve-month revenue of about $99.7M (latest available figure, as of Nov 8, 2026).
Does Norwood Financial Corp pay a dividend?
Norwood Financial Corp currently shows a dividend yield of 0.90% relative to its recent price (as of Nov 8, 2026).
How much is the dividend of Norwood Financial Corp (NWFL) and when is the ex-dividend date?
Norwood Financial Corp pays a dividend of $0.32 per share a year, a dividend yield of 0.9%. The last ex-dividend date was Oct 15, 2026. A dividend has been paid every year since at least 1998. The payout ratio is 11.5% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Norwood Financial Corp (NWFL)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Norwood Financial Corp it is $22.19 per share (as of Nov 8, 2026), against a price of $35.68. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Norwood Financial Corp stock overvalued or undervalued in 2026?
As of Nov 8, 2026, NWFL trades above its calculated fair value: price $35.68, fair value $22.19, a gap of about −38% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of NWFL?
No. The price is what the market pays today ($35.68); the fair value is what the company's own numbers justify ($22.19). For Norwood Financial Corp the two are $13.49 per share apart. That gap is exactly why we show both numbers side by side.
How much is Norwood Financial Corp worth?
The market values Norwood Financial Corp at about $391M (market capitalisation, as of Nov 8, 2026). Per share that is $35.68; our models calculate a fair value of $22.19 per share.
What do the bullish and bearish scenarios say about NWFL?
Our models span a range for Norwood Financial Corp: cautious scenario $19.74, base $22.19, optimistic $28.69 per share (as of Nov 8, 2026, price $35.68). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of NWFL?
Norwood Financial Corp trades at a price-to-earnings ratio of 12.8 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $22.19 is built from several models across several years. Median P/E at fiscal year-end, 8 fiscal years (2017 to 2025), reported earnings: 13.9. Other multiples: PEG 2.4, P/B 1.6, P/S 3.9, EV/EBITDA 10.3.
What is the PEG ratio of NWFL?
The PEG ratio of Norwood Financial Corp is 2.36 (P/E divided by earnings growth, as of Nov 8, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Norwood Financial Corp (NWFL)?
Balance-sheet figures for Norwood Financial Corp (as of Nov 8, 2026): return on equity 12.5%, debt of 0.12 per unit of equity. They feed the Quality Score of 55/100, which measures business quality independently of the share price.
How far is NWFL from its 52-week high?
Norwood Financial Corp trades at $35.68, about 4% below its 52-week high of $37.18 and 37% above the low of $26.07 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $22.19 is for.
Which stocks are comparable to Norwood Financial Corp?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Norwood Financial Corp stock attractive at the current price?
The data as of Nov 8, 2026: price $35.68, calculated fair value $22.19 (−38%), Quality Score 55/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of NWFL calculated?
We run Norwood Financial Corp through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $22.19 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Norwood Financial Corp itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Norwood Financial Corp (NWFL)?
The closing price on Nov 6, 2026 was $35.68. Our model-based fair value is $22.19, about 38% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Norwood Financial Corp right now?
The price sits above even our optimistic bull case ($28.69). The favourable scenario is already priced in. Solid but not exceptional quality (55/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Norwood Financial Corp (NWFL) come from?
Earnings per share at Norwood Financial Corp grew +8.8 % a year from 2014 to 2025. Broken into its drivers: revenue per share +9.6 %, EBIT margin −0.9 %, tax rate +0.3 %, residual (interest, one-offs) −0.1 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Norwood Financial Corp

How large is the market capitalisation of Norwood Financial Corp (NWFL)?
The market capitalisation of Norwood Financial Corp is $391M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Norwood Financial Corp (NWFL)?
The price-to-sales ratio of Norwood Financial Corp is 3.92 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Norwood Financial Corp (NWFL)?
Earnings per share at Norwood Financial Corp are $2.79 (price ÷ EPS = P/E 12.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Norwood Financial Corp (NWFL)?
The dividend yield of Norwood Financial Corp is 0.9% (payout 11.5%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Norwood Financial Corp (NWFL)?
The net margin of Norwood Financial Corp is 30.1% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Norwood Financial Corp (NWFL)?
The return on equity (ROE) of Norwood Financial Corp is 12.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Norwood Financial Corp (NWFL)?
On an EBIT basis the return on assets of Norwood Financial Corp is 1.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
How fast is revenue growing at Norwood Financial Corp (NWFL)?
Revenue at Norwood Financial Corp is growing +31.4% versus a year earlier (3y avg +16.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Norwood Financial Corp (NWFL)?
Earnings per share at Norwood Financial Corp are growing +21.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Norwood Financial Corp (NWFL) generate?
The free cash flow of Norwood Financial Corp is $29.2M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Norwood Financial Corp (NWFL) carry?
The net debt of Norwood Financial Corp is $29.7M (fiscal year 2025, ≈ 1.0 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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