Norwood Financial Corp
Research Norwood Financial Corp (NWFL) on Bullrun: valuation model: 13.0% undervalued, market cap USD 369.67M, P/E 11.7, dividend yield 3.7%. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerNWFL
- ExchangeNASDAQ
- CountryUnited States
- SectorFinancial Services
- IndustryBanks-Regional
- CurrencyUSD
- Valuation signal13.0% undervalued
- Market capUSD 369.67M
- P/E11.7
- Dividend yield3.7%
- Financial periodQ2 2026
- RevenueUSD 29.37M
- Net incomeUSD 9.33M
- Free cash flowUSD 8.41M
Valuation Snapshot
Bullrun's latest valuation model marks Norwood Financial Corp as 13.0% undervalued; latest market cap is USD 369.67M; P/E is 11.7; dividend yield is 3.7%.
Peer valuation comparison
Latest P/E is 11.7x versus a Financial Services sector median of 13.84x (15.5% below).
Latest dividend yield is 3.73% versus a Financial Services sector median of 3.86% (3.2% below).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | USD 8.00M | USD 27.76M | USD 29.25M | n/a | 3.01 | USD 44.44M | USD 14.71M | USD 242.16M |
| FY2024 | USD 7.40M | -USD 160.00K | USD 19.68M | n/a | -0.02 | USD 72.34M | USD 113.07M | USD 213.51M |
| FY2023 | USD 7.14M | USD 16.76M | USD 28.41M | n/a | 2.07 | USD 66.12M | USD 74.08M | USD 181.07M |
| FY2022 | USD 8.76M | USD 29.23M | USD 28.58M | n/a | 3.58 | USD 31.87M | USD 93.22M | USD 167.09M |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-08-25 | USD 369.67M | 11.7 | 3.7% | 1.27 |
| 2025 | 2025-12-31 | USD 260.69M | 9.4 | 4.4% | 1.24 |
| 2024 | 2024-12-31 | USD 252.32M | 2721.0 | 4.4% | 1.2 |
| 2023 | 2023-12-29 | USD 265.56M | 11.3 | 3.5% | 1.16 |
| 2022 | 2022-12-30 | USD 272.09M | 9.5 | 3.3% | 1.12 |
| 2021 | 2021-12-31 | USD 213.15M | 8.5 | 4.0% | 1.04 |
Dividend history
Latest trailing dividend snapshot: annual dividend/share 1.27 USD, yield 3.7%.
| Year | Dividends/share |
|---|---|
| FY2025 | 1.25 USD |
| FY2024 | 1.21 USD |
| FY2023 | 1.17 USD |
| FY2022 | 1.17 USD |
About Norwood Financial Corp
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;
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Frequently asked questions
Is Norwood Financial Corp overvalued or undervalued?
Bullrun's valuation model currently marks Norwood Financial Corp as 13.0% undervalued.
What is Norwood Financial Corp's market cap?
Norwood Financial Corp's market capitalization is USD 369.67M.
What is Norwood Financial Corp's P/E ratio?
Norwood Financial Corp's price-to-earnings (P/E) ratio is 11.7.
Does Norwood Financial Corp pay a dividend?
Norwood Financial Corp has a dividend yield of 3.7%.
What does Norwood Financial Corp do?
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.