Norwood Financial Corp. (NWFL) Financial Ratios
30 years of historical data (1996–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
8.43
↓-88% vs avg
5yr avg: 68.42
30Y Low3.0·High23.2
P/FCF
↑
9.63
+4% vs avg
5yr avg: 9.30
30Y Low5.1·High25.9
P/B Ratio
↑
1.14
-8% vs avg
5yr avg: 1.24
30Y Low0.9·High2.1
ROE
↓
12.2%
↓+22% vs avg
5yr avg: 10.0%
30Y Low-0%·High16%
Debt/EBITDA
↓
2.03
↓-95% vs avg
5yr avg: 38.19
30Y Low1.5·High11.5
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
NWFL Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Norwood Financial Corp. trades at 10.0x earnings, 7% below its 5-year average of 10.8x, sitting at the 11th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.4x, the stock trades at a discount of 26%. On a free-cash-flow basis, the stock trades at 9.6x P/FCF, roughly in line with the 5-year average of 9.3x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $278M | $257M | $218M | $266M | $273M | $213M | $189M | $246M | $208M | $207M | $129M |
| Enterprise Value | $308M | $287M | $340M | $368M | $415M | $97M | $183M | $350M | $295M | $268M | $176M |
| P/E Ratio → | 9.96 | 9.26 | — | 15.90 | 9.34 | 8.55 | 12.52 | 17.37 | 15.21 | 25.19 | 19.21 |
| P/S Ratio | 2.05 | 1.89 | 2.15 | 2.57 | 3.19 | 2.68 | 2.86 | 4.56 | 4.19 | 4.50 | 3.43 |
| P/B Ratio | 1.14 | 1.06 | 1.02 | 1.47 | 1.64 | 1.04 | 0.97 | 1.79 | 1.70 | 1.78 | 1.16 |
| P/FCF | 9.63 | 8.89 | 11.06 | 9.36 | 9.57 | 7.63 | 14.50 | 14.65 | 12.64 | 14.32 | 11.83 |
| P/OCF | 8.20 | 7.57 | 9.54 | 8.92 | 8.90 | 7.30 | 13.71 | 13.36 | 12.00 | 12.87 | 11.30 |
P/E links to full P/E history page with 30-year chart
NWFL EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Norwood Financial Corp.'s enterprise value stands at 8.4x EBITDA, 88% below its 5-year average of 68.4x. The Financial Services sector median is 11.4x, placing the stock at a 26% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.11 | 3.35 | 3.55 | 4.85 | 1.22 | 2.77 | 6.47 | 5.94 | 5.85 | 4.71 |
| EV / EBITDA | 8.43 | 7.84 | 304.02 | 16.29 | 10.93 | 3.00 | 9.26 | 19.50 | 17.10 | 16.96 | 18.66 |
| EV / EBIT | 8.68 | 8.08 | — | 17.41 | 11.40 | 3.15 | 9.98 | 20.78 | 18.18 | 18.19 | 20.50 |
| EV / FCF | — | 9.91 | 17.29 | 12.96 | 14.51 | 3.48 | 14.05 | 20.79 | 17.93 | 18.61 | 16.22 |
NWFL Profitability
Margins and return-on-capital ratios measuring operating efficiency
Norwood Financial Corp. earns an operating margin of 26.1%, above the Financial Services sector average of 21.2%. Operating margins have expanded from 20.4% to 26.1% over the past 3 years, signaling improving operational efficiency. ROE of 12.2% is modest. ROIC of 7.3% represents adequate returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 63.6% | 63.6% | 47.7% | 62.4% | 90.5% | 87.5% | 79.7% | 81.6% | 85.1% | 86.3% | 84.8% |
| Operating Margin | 26.1% | 26.1% | -0.3% | 20.4% | 42.5% | 38.9% | 27.7% | 31.1% | 32.7% | 32.1% | 23.0% |
| Net Profit Margin | 20.4% | 20.4% | -0.2% | 16.2% | 34.2% | 31.4% | 22.8% | 26.3% | 27.5% | 17.9% | 17.9% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.2% | 12.2% | -0.1% | 9.6% | 15.7% | 12.5% | 9.1% | 10.9% | 11.5% | 7.2% | 6.3% |
| ROA | 1.2% | 1.2% | -0.0% | 0.8% | 1.4% | 1.3% | 1.0% | 1.2% | 1.2% | 0.7% | 0.7% |
| ROIC | 7.3% | 7.3% | -0.1% | 4.6% | 8.6% | 7.8% | 4.9% | 5.2% | 5.8% | 6.0% | 3.5% |
| ROCE | 11.8% | 11.8% | -0.1% | 8.8% | 16.8% | 12.3% | 8.0% | 8.6% | 9.5% | 9.5% | 5.8% |
NWFL Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Norwood Financial Corp. carries a Debt/EBITDA ratio of 2.0x, which is manageable (51% below the sector average of 4.1x). Net debt stands at $30M ($74M total debt minus $44M cash). Interest coverage of just 0.7x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.31 | 0.31 | 0.91 | 0.93 | 1.04 | 0.44 | 0.54 | 0.86 | 0.86 | 0.68 | 0.58 |
| Debt / EBITDA | 2.03 | 2.03 | 174.14 | 7.45 | 4.56 | 2.80 | 5.34 | 6.62 | 6.11 | 4.96 | 6.86 |
| Net Debt / Equity | — | 0.12 | 0.57 | 0.56 | 0.85 | -0.56 | -0.03 | 0.75 | 0.71 | 0.53 | 0.43 |
| Net Debt / EBITDA | 0.81 | 0.81 | 109.49 | 4.52 | 3.72 | -3.57 | -0.30 | 5.76 | 5.05 | 3.90 | 5.04 |
| Debt / FCF | — | 1.03 | 6.23 | 3.60 | 4.95 | -4.15 | -0.45 | 6.14 | 5.30 | 4.28 | 4.38 |
| Interest Coverage | 0.74 | 0.74 | -0.01 | 0.63 | 5.01 | 5.36 | 2.30 | 1.94 | 2.86 | 3.61 | 2.35 |
NWFL Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.16x is below 1.0, meaning current liabilities exceed current assets. The current ratio has declined from 0.25x to 0.16x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.16 | 0.16 | 0.24 | 0.25 | 0.25 | 0.34 | 0.22 | 0.22 | 0.26 | 0.31 | 0.34 |
| Quick Ratio | 0.16 | 0.16 | 0.24 | 0.25 | 0.25 | 0.34 | 0.22 | 0.22 | 0.26 | 0.31 | 0.34 |
| Cash Ratio | 0.02 | 0.02 | 0.04 | 0.03 | 0.02 | 0.11 | 0.07 | 0.02 | 0.02 | 0.02 | 0.02 |
| Asset Turnover | — | 0.06 | 0.04 | 0.05 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.03 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
NWFL Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Norwood Financial Corp. returns 4.3% to shareholders annually — split between a 4.2% dividend yield and 0.1% buyback yield. A payout ratio of 41.4% is moderate and appears sustainable, balancing shareholder returns with reinvestment capacity. The earnings yield of 10.0% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 4.2% | 4.5% | 4.5% | 3.5% | 3.3% | 4.0% | 3.8% | 2.5% | 2.7% | 2.6% | 3.7% |
| Payout Ratio | 41.4% | 41.4% | — | 56.2% | 31.3% | 34.3% | 48.2% | 42.5% | 40.4% | 65.7% | 70.2% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 10.0% | 10.8% | — | 6.3% | 10.7% | 11.7% | 8.0% | 5.8% | 6.6% | 4.0% | 5.2% |
| FCF Yield | 10.4% | 11.3% | 9.0% | 10.7% | 10.5% | 13.1% | 6.9% | 6.8% | 7.9% | 7.0% | 8.5% |
| Buyback Yield | 0.1% | 0.1% | 0.3% | 1.2% | 0.9% | 0.7% | 0.1% | 0.2% | 0.1% | 0.8% | 0.3% |
| Total Shareholder Yield | 4.3% | 4.6% | 4.8% | 4.7% | 4.3% | 4.7% | 3.9% | 2.6% | 2.7% | 3.4% | 4.0% |
| Shares Outstanding | — | $9M | $8M | $8M | $8M | $8M | $7M | $6M | $6M | $6M | $6M |
Peer Comparison
Compare NWFL with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 NWFLYou | $278M | 10.0 | 8.4 | 9.6 | 63.6% | 26.1% | 12.2% | 7.3% | 2.0 |
 CZWI | $203M | 14.4 | 15.2 | 19.5 | 54.7% | 7.0% | 7.9% | 2.0% | 5.8 |
 NBTB | $2B | 13.6 | 10.4 | 10.8 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 FXNC | $249M | 14.0 | 5.9 | 11.8 | 74.0% | 19.6% | 10.0% | 7.7% | 1.9 |
 FUNC | $244M | 11.9 | 11.4 | 12.0 | 68.8% | 24.4% | 12.1% | 5.9% | 6.1 |
 ACNB | $551M | 14.8 | 16.2 | 10.5 | 73.7% | 27.3% | 10.2% | 5.3% | 6.2 |
 FMNB | $559M | 9.8 | 13.9 | 10.7 | 63.8% | 23.9% | 12.2% | 5.9% | 5.7 |
 CZFS | $307M | 8.4 | 12.8 | 8.7 | 63.3% | 26.0% | 11.5% | 5.4% | 6.9 |
 PFIS | $589M | 10.0 | 10.9 | 13.6 | 66.6% | 25.7% | 12.0% | 7.7% | 3.6 |
 FIS | $24B | 61.3 | 7.5 | 9.7 | 36.9% | 16.5% | 2.6% | 6.0% | 1.1 |
 FISV | $30B | 8.9 | 6.6 | 6.9 | 59.4% | 26.9% | 13.0% | 8.1% | 3.3 |
| Financial Services Median | — | 13.4 | 11.4 | 10.6 | 63.4% | 21.2% | 9.4% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Includes 30+ ratios · 30 years · Updated daily
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Start ComparisonNWFL — Frequently Asked Questions
Quick answers to the most common questions about buying NWFL stock.
What is Norwood Financial Corp.'s P/E ratio?
Norwood Financial Corp.'s current P/E ratio is 10.0x. The historical average is 13.6x. This places it at the 11th percentile of its historical range.
What is Norwood Financial Corp.'s EV/EBITDA?
Norwood Financial Corp.'s current EV/EBITDA is 8.4x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 12.8x.
What is Norwood Financial Corp.'s ROE?
Norwood Financial Corp.'s return on equity (ROE) is 12.2%. The historical average is 10.4%.
Is NWFL stock overvalued?
Based on historical data, Norwood Financial Corp. is trading at a P/E of 10.0x. This is at the 11th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Norwood Financial Corp.'s dividend yield?
Norwood Financial Corp.'s current dividend yield is 4.16% with a payout ratio of 41.4%.
What are Norwood Financial Corp.'s profit margins?
Norwood Financial Corp. has 63.6% gross margin and 26.1% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Norwood Financial Corp. have?
Norwood Financial Corp.'s Debt/EBITDA ratio is 2.0x, indicating moderate leverage. A ratio between 2-4x is manageable but warrants monitoring.