NASDAQ · Banks - Regional

NWFL (NWFL) Stock

$33.99 +0.86% NASDAQ: NWFL Financial Services

Valuation

MetricValue
Price$33.99
Market Cap$370.17M
P/E Ratio11.18
P/B Ratio1.16
P/S Ratio2.06
EPS (TTM)$2.73
52-Week High$34.46
52-Week Low$23.70
Dividend Yield4.19%

Financials & Margins

MetricValue
ROE10.19%
ROA0.97%
ROCE14.46%
Gross Margin25.74%
Operating Margin25.74%
Net Margin19.06%
Debt/Equity0.31
Current Ratio0.16

Annual Financials (USD)

Metric20212022202320242025
Revenue$79.0M$86.0M$104.0M$101.0M$136.0M
Operating Profit$31.0M$36.0M$21.0M$0$35.0M
Net Profit$25.0M$29.0M$17.0M$0$28.0M
EPS$3.04$3.58$2.07$-0.02$3.03
Op Margin38.9%42.5%20.4%-0.3%26.1%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$2.1B$2.0B$2.2B$2.3B$2.4B
Total Liabilities$1.9B$1.9B$2.0B$2.1B$2.2B
Cash$207.0M$32.0M$66.0M$72.0M$44.0M
Borrowings$91.0M$173.0M$168.0M$195.0M$74.0M

Latest News

Norwood Financial Corp (NWFL) Q2 2026 Earnings Call Highlights: Record Net Income and Strategic ... GuruFocus.com · Jul 22, 2026 Norwood Financial Q2 Earnings Call Highlights MarketBeat · Jul 22, 2026 Norwood Financial Corp. (NWFL) Q2 Earnings Miss Estimates Zacks · Jul 22, 2026 Norwood Financial Corp announces Second Quarter Financial Results GlobeNewswire · Jul 22, 2026 Norwood Financial Corp (NWFL) Q2 2026 Earnings Report Preview: What To Look For GuruFocus.com · Jul 21, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$29.0M$31.0M$30.0M$23.0M$34.0M
Investing Cash Flow$-132.0M$-210.0M$-118.0M$-118.0M$-134.0M
Financing Cash Flow$220.0M$-31.0M$65.0M$64.0M$219.0M
Net Cash Flow$95.0M$-175.0M$34.0M$6.0M$-28.0M
Free Cash Flow$28.0M$29.0M$28.0M$20.0M$29.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.06
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y35.34%
Return 3Y20.61%
Return 5Y50.69%

Ownership

Insiders Held8.04%
Institutions Held42.34%
Institutions Float Held46.04%
Institutional HolderSharesReport Date
Wellington Management Group, LLP750,7912026-03-31
Blackrock Inc.660,6832026-03-31
Vanguard Capital Management LLC428,0582026-03-31
UBS Group AG239,6702026-03-31
Geode Capital Management, LLC237,4152026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
CHMG $80.53 -0.56% 18.83 $388.12M 1.87%
CZFS $77.36 +1.83% 8.50 $371.71M 3.08%
FDBC $52.99 +2.77% 9.26 $307.62M 3.73%
FINW $13.75 -0.15% 11.97 $188.46M 0.00%
FRST $15.61 +1.76% 5.85 $388.35M 2.87%

About NWFL

NWFL is led by CEO James O. Donnelly, employs 264 people, headquartered in US, publicly traded since 1998.

NWFL stock trades at $33.99 with a market capitalization of $370.17M. The stock is valued at a price-to-earnings (P/E) ratio of 11.18, price-to-book of 1.16, price-to-sales of 2.06. Over the past 52 weeks the stock has ranged between $23.70 and $34.46, and currently trades 1.4% below its 52-week high. It pays a dividend yielding 4.19%.

On profitability, NWFL generates a return on equity (ROE) of 10.19%, return on capital employed of 14.46%, an operating margin of 25.74%, a net profit margin of 19.06%.

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