Norwood Financial Corp. (NWFL)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 58 | 74 | 78 | 70 | 51 | 88 | 93 | - |
| Operating profit | $m | 35 | 37 | ||||||
| Net profit | $m | 15 | 25 | 29 | 17 | -0 | 28 | 29 | 32 |
| EPS reported | $ | 3.03 | 3.14 | ||||||
| Operating cashflow per share | $ | 3.71 | 3.60 | ||||||
| Capex per share | $ | 0.52 | 0.06 | ||||||
| FCF per share | $ | 3.19 | 3.67 | ||||||
| Free cash flow | $m | 29 | 34 | ||||||
| Net debt | $m | -250 | -434 | ||||||
| Book value equity | $m | 242 | 290 | ||||||
| Book value per share | $ | 26.43 | 31.61 | ||||||
| Number of shares | m | 9.16 | 9.16 | ||||||
| DPS (TTM paid) | $ | 1.24 | 1.59 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 9.26 | 10.76 | ||||||
| P/B LTM | x | 1.06 | 0.89 | ||||||
| P/S LTM | x | 2.92 | 2.76 | ||||||
| P/FCF LTM | x | 8.79 | 7.65 | ||||||
| EV/EBITDA LTM | x | 7.84 | 7.47 | ||||||
| EV/Sales LTM | x | 2.11 | 2.64 | ||||||
| Earnings Yield LTM | % | +10.80% | +9.29% | ||||||
| FCF Yield | % | +11.38% | +13.07% | ||||||
| Quality | |||||||||
| ROE | % | +11.46% | +10.98% | ||||||
| ROIC | % | +8.42% | +7.59% | ||||||
| Operating margin | % | +26.07% | +25.49% | ||||||
| Gross margin | % | +63.63% | +62.48% | ||||||
| FCF/Sales | % | +21.48% | +23.27% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | - | - | ||||||
| Sales Growth YoY | % | +72.29% | +82.47% | ||||||
| Net Income Growth YoY | % | - | - | ||||||
| FCF Growth | % | +48.61% | +70.73% | ||||||
| Operating Profit Growth | % | - | - | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +4.47% | +3.68% | ||||||
| Dividend Growth | % | +3.33% | +32.50% | ||||||
| Payout Ratio | % | +41.38% | +44.26% | ||||||
| FCF/Debt | x | 0.39 | 0.51 | ||||||
| Net Debt/EBITDA | x | 0.81 | 0.14 | ||||||
| EBIT/Net interest | x | 0.74 | 0.72 | ||||||
| Net debt/market cap | % | +28.84% | +17.44% | ||||||
| Net debt/Equity | x | -1.03 | -1.50 | ||||||
| Gross debt/equity | x | 0.31 | 0.23 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Norwood Financial Corp. functions as the holding entity for Wayne Bank, delivering a comprehensive suite of financial products and services. The institution facilitates a broad array of deposit options, encompassing both interest-bearing and non-interest-bearing checking accounts, alongside statement savings, money market accounts, and certificates of deposit. Its lending portfolio is extensive, featuring commercial loans such as credit lines, revolving credit facilities, term loans, business mortgages, secured lending products, and letters of credit. Norwood also extends financing for municipal projects, construction loans for both commercial developments and single-family homes, and land acquisition loans. Consumer credit and residential mortgage financing for primary and secondary residences are also key offerings. Furthermore, the company engages in indirect dealer financing for automobiles, boats, and recreational vehicles through dealerships. Beyond traditional banking, Norwood provides investment securities services, trust management, and a variety of contemporary cash management solutions. These include direct deposit, remote and mobile deposit capture, mobile payment processing, automated clearing house (ACH) transactions, real estate settlement support, and robust internet and mobile banking platforms. The corporation also diversifies its revenue through the sale of annuities and mutual funds, discount brokerage services, and an insurance agency operation. Catering to a wide client base, Norwood serves individual consumers, corporate entities, non-profit organizations, and local governments. Its operational footprint includes fourteen branch locations throughout Northeastern Pennsylvania and sixteen branches spanning Delaware, Sullivan, Ontario, Otsego, and Yates Counties in New York, supported by thirty-one automated teller machines. Established in 1870, Norwood Financial Corp. maintains its corporate headquarters in Honesdale, Pennsylvania.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Norwood Financial Corp. (NWFL)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Norwood Financial Corp. functions as the holding entity for Wayne Bank, delivering a comprehensive suite of financial products and services. The institution facilitates a broad array of deposit options, encompassing both interest-bearing and non-interest-bearing checking accounts, alongside statement savings, money market accounts, and certificates of deposit. Its lending portfolio is extensive, featuring commercial loans such as credit lines, revolving credit facilities, term loans, business mortgages, secured lending products, and letters of credit. Norwood also extends financing for municipal projects, construction loans for both commercial developments and single-family homes, and land acquisition loans. Consumer credit and residential mortgage financing for primary and secondary residences are also key offerings. Furthermore, the company engages in indirect dealer financing for automobiles, boats, and recreational vehicles through dealerships. Beyond traditional banking, Norwood provides investment securities services, trust management, and a variety of contemporary cash management solutions. These include direct deposit, remote and mobile deposit capture, mobile payment processing, automated clearing house (ACH) transactions, real estate settlement support, and robust internet and mobile banking platforms. The corporation also diversifies its revenue through the sale of annuities and mutual funds, discount brokerage services, and an insurance agency operation. Catering to a wide client base, Norwood serves individual consumers, corporate entities, non-profit organizations, and local governments. Its operational footprint includes fourteen branch locations throughout Northeastern Pennsylvania and sixteen branches spanning Delaware, Sullivan, Ontario, Otsego, and Yates Counties in New York, supported by thirty-one automated teller machines. Established in 1870, Norwood Financial Corp. maintains its corporate headquarters in Honesdale, Pennsylvania.
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