Norwood Financial Corp (NWFL) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Norwood Financial Corp stock (NWFL) is currently trading at $29.19. Norwood Financial Corp PE ratio is 9.73. Norwood Financial Corp PS ratio (Price-to-Sales) is 3.70. Analyst consensus price target for NWFL is $33.50. WallStSmart rates NWFL as Moderate Buy.
- NWFL PE ratio analysis and historical PE chart
- NWFL PS ratio (Price-to-Sales) history and trend
- NWFL intrinsic value — DCF, Graham Number, EPV models
- NWFL stock price prediction 2025 2026 2027 2028 2029 2030
- NWFL fair value vs current price
- NWFL insider transactions and insider buying
- Is NWFL undervalued or overvalued?
- Norwood Financial Corp financial analysis — revenue, earnings, cash flow
- NWFL Piotroski F-Score and Altman Z-Score
- NWFL analyst price target and Smart Rating
Norwood Financial Corp
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NWFL Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Norwood Financial Corp (NWFL)
NWFL trades at a significant discount to its Graham intrinsic value of $140.87, offering a 78% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Norwood Financial Corp (NWFL) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, revenue growth. Overall metrics suggest strong investment potential with favorable risk/reward.
Norwood Financial Corp (NWFL) Key Strengths (5)
Keeps $48 of every $100 in revenue after operating costs
Revenue surging 39.00% year-over-year
Earnings per share surging 86.30% year-over-year
Keeps $32 of every $100 in revenue as net profit
Trading at 1.30x book value, attractively priced
Supporting Valuation Data
Norwood Financial Corp (NWFL) Areas to Watch (5)
Paying a premium for growth, expensive relative to earnings expansion
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Revenue is fairly priced at 3.70x sales
Moderate institutional interest at 36.68%
Norwood Financial Corp (NWFL) Detailed Analysis Report
Overall Assessment
This company scores 75/100 in our Smart Analysis, earning a B grade. Out of 10 metrics analyzed, 5 register as strengths (avg 9.6/10) while 5 fall into concern territory (avg 5.2/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Revenue Growth, EPS Growth. Valuation metrics including Price/Book (1.30) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 48.00%, Profit Margin at 32.20%. Growth metrics are encouraging with Revenue Growth at 39.00%, EPS Growth at 86.30%.
The Bear Case
The primary concerns are PEG Ratio, Market Cap, Return on Equity. Some valuation metrics including PEG Ratio (2.36), Price/Sales (3.70) suggest expensive pricing. Profitability pressure is visible in Return on Equity at 12.20%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether PEG Ratio improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 12.20% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 39.00% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. Strengths and concerns are roughly balanced. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Revenue Growth makes a compelling case at current levels. The key risk is PEG Ratio, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
NWFL Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
NWFL's Price-to-Sales ratio of 3.70x trades at a deep discount to its historical average of 8.04x (4th percentile). The current valuation is 66% below its historical high of 11x set in Aug 2017, and 21% above its historical low of 3.05x in Mar 2026. Over the past 12 months, the PS ratio has expanded from ~3.1x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for Norwood Financial Corp (NWFL) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Norwood Financial Corp is a strong growth company balancing expansion with improving profitability. Revenue reached 86M with 39% growth year-over-year. Profit margins are strong at 32.2%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 39% YoY, reaching 86M. This pace significantly outperforms most BANKS - REGIONAL peers.
ROE of 1220.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
What to Watch Next
Growth sustainability: can Norwood Financial Corp maintain 39%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 4.3%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Norwood Financial Corp.
Bottom Line
Norwood Financial Corp offers an attractive blend of growth (39% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Norwood Financial Corp(NWFL)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Norwood Financial Corp. The company is headquartered in Honesdale, Pennsylvania.