# Norwood Financial Corp. (NWFL) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $34.71, market value $378 million.

## Valuation
- **P/E (trailing): 11.9×** (5-yr avg 9.5×, 3-yr avg 11.5×). Norwood Financial Corp. trades at 11.9× trailing earnings, well above its own five-year average of 9.5×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 9.0×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.00**. A PEG of 0.00 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 44.4×**. Each dollar of revenue is priced at 44.4×, a level that requires very high margins or very fast growth to justify.
- **Price / book: 1.3×**. The shares trade at 1.3× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 7.9%** (5-yr avg 12.4%). Free cash flow equals 7.9% of the market value, below its five-year average of 12.4%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 8.4%**. The inverse of the P/E: 8.4% of the price is earned each year.

## Profitability
- **Net margin: 347.0%**. 347.0% of each dollar of sales reaches the bottom line.
- **Return on equity: 11.5%**. 11.5% on shareholders' equity is solid.
- **Return on assets: 1.2%**. Each dollar of assets produces 1.2% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 8.1%** (3-yr -3.0%/yr, 5-yr 5.2%/yr). Revenue grew 8.1% over the last year, against 5.2% a year compounded over five years: growth is accelerating.
- **Free-cash-flow growth (3 yr): 0.8%/yr**. Free cash flow has compounded at 0.8% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 3.68%** ($1.27 per share, trailing). Norwood Financial Corp. yields 3.68%, an income-level yield.
- **Payout ratio: 41%** (43% of free cash flow). 41% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 26**. 26 straight years of increases (the data covers 26 years, so this may be longer): a record very few companies hold.
- **Dividend growth (5 yr): 4.4%/yr** (1-yr 3.3%). The dividend has grown 4.4% a year over five years.

## Price and momentum
- **Total return (1 yr): 34.6%** (YTD 27.8%, 3-mo 13.9%). The shares are up 34.6% over twelve months including dividends.
- **From 52-week high: -2.2%** (45.7% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 63**. An RSI of 63 is neutral.
- **Beta (1 yr): 0.30** (volatility 26%). Beta of 0.30 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=NWFL · Page: https://foliofundamentals.com/stocks/nwfl

Not investment advice.