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Norwood Financial Corp (NWFL) Fair Value & Analysis

Financial Services · US · Market cap $335M

Price$31.18
Fair Value$33.13
Upside+6.3%
Quality95/100
Evidence: High Range $24.85 – $41.41

Fair value as of: Jun 26, 2026

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Analysis

Norwood Financial Corp (NWFL) currently trades at $31.18, while our model-based Fair Value estimate is $33.13 — implying the stock looks roughly 6.3% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

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 …

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Frequently asked questions

Is Norwood Financial Corp (NWFL) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $33.13 versus a price of $31.18 — about +6% (undervalued). Model-based estimate, not financial advice.
What is the fair value of NWFL?
Our 21-model fair value for Norwood Financial Corp is $33.13 (as of Jun 26, 2026), built from audited fundamentals. The current price is $31.18.
What is the quality score of NWFL?
Norwood Financial Corp has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.