Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 10.13 | 6.45 | 7.88 | 17.94 | 8.66 | 7.06 | 9.48 | 9.59 | — | 14.36 | 12.20 | 12.37 | 205.69 | 12.63 | 9.11 | 10.36 | 9.50 | 6.71 | 7.22 | 8.22 | 8.02 |
| — | -8.6% | -16.9% | +87.0% | — | -50.8% | -22.3% | -22.5% | — | +13.8% | +33.9% | +19.4% | +2065.1% | +88.1% | +26.2% | +26.1% | +18.4% | -10.5% | -22.2% | -17.3% | -17.9% | |
| P/S Ratio | 3.85 | 2.45 | 2.51 | 3.88 | 2.74 | 2.54 | 2.77 | 2.74 | — | 3.05 | 2.99 | 3.28 | 4.19 | 2.98 | 3.42 | 3.33 | 3.54 | 2.67 | 2.56 | 3.01 | 2.88 |
| — | -3.3% | -9.5% | +41.8% | — | -16.8% | -7.2% | -16.5% | — | +2.1% | -12.7% | -1.5% | +18.4% | +11.6% | +33.9% | +10.4% | +23.1% | -2.2% | -12.6% | -2.0% | -2.4% | |
| P/B Ratio | 1.35 | 1.07 | 1.02 | 0.95 | 1.06 | 0.99 | 1.05 | 1.00 | 1.05 | 1.14 | 1.12 | 1.21 | 1.61 | 1.26 | 1.37 | 1.36 | 1.62 | 1.37 | 1.14 | 1.25 | 1.04 |
| — | +7.7% | -2.9% | -5.4% | +1.4% | -12.6% | -6.7% | -17.1% | -35.1% | -9.7% | -18.3% | -10.9% | -0.7% | -8.3% | +20.6% | +8.3% | +56.5% | +32.6% | +7.1% | +12.0% | -6.1% | |
| P/FCF | 9.46 | 3.89 | 8.76 | 12.16 | 8.34 | 4.87 | 11.63 | 6.78 | 16.74 | 13.63 | 5.97 | 14.83 | 12.59 | 7.77 | 10.03 | 5.98 | 12.35 | 6.67 | 8.78 | 6.31 | 9.27 |
| — | -20.1% | -24.7% | +79.4% | -50.1% | -64.3% | +94.9% | -54.3% | +32.9% | +75.4% | -40.5% | +147.8% | +2.0% | +16.6% | +14.3% | -5.2% | +33.3% | -1.5% | +17.3% | -15.3% | -21.4% | |
| EV / EBITDA | 9.69 | 6.57 | 6.13 | 11.85 | 7.00 | 5.28 | 9.01 | 8.69 | — | 13.30 | 12.56 | 13.36 | 122.75 | 17.77 | 12.12 | 11.75 | 11.51 | 5.86 | 4.53 | 4.23 | 2.89 |
| — | +24.5% | -31.9% | +36.5% | — | -60.3% | -28.3% | -35.0% | — | -25.2% | +3.7% | +13.7% | +966.9% | +203.1% | +167.4% | +177.7% | +298.8% | +113.5% | +8.4% | +1.5% | -60.5% | |
| EV / EBIT | 11.79 | 6.57 | 6.45 | 13.34 | 7.29 | 5.47 | 9.42 | 9.08 | — | 14.26 | 13.37 | 14.20 | 218.07 | 19.00 | 12.67 | 12.36 | 12.02 | 6.09 | 4.74 | 4.42 | 3.03 |
| — | +20.3% | -31.6% | +46.9% | — | -61.7% | -29.6% | -36.1% | — | -24.9% | +5.5% | +14.9% | +1714.2% | +212.2% | +167.1% | +179.8% | +297.3% | +112.0% | +7.4% | +0.1% | -60.9% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 98.5% | 99.7% | 93.4% | 91.6% | 100.0% | 102.2% | 95.5% | 95.8% | 255.1% | 92.6% | 98.0% | 103.7% | 64.9% | 94.9% | 110.0% | 98.3% | 98.4% | 100.0% | 98.5% | 98.5% | 97.6% |
| — | -2.5% | -2.3% | -4.4% | -60.8% | +10.3% | -2.5% | -7.7% | +293.2% | -2.4% | -11.0% | +5.5% | -34.1% | -5.1% | +11.8% | -0.1% | +0.9% | +4.1% | +7.3% | +7.5% | +6.9% | |
| Operating Margin | 40.4% | 49.5% | 39.6% | 27.8% | 41.9% | 45.9% | 36.7% | 36.1% | 1552.9% | 26.6% | 31.2% | 33.5% | 2.6% | 29.9% | 47.3% | 40.4% | 44.8% | 50.2% | 44.4% | 46.2% | 43.3% |
| — | +7.9% | +7.8% | -23.0% | -97.3% | +72.3% | +17.9% | +7.5% | +59735.1% | -11.0% | -34.0% | -16.9% | -94.2% | -40.4% | +6.4% | -12.6% | +3.4% | +9.5% | +11.8% | +20.5% | +17.1% | |
| Net Margin | 31.6% | 38.1% | 31.8% | 21.5% | 31.7% | 36.3% | 29.1% | 28.6% | 1223.5% | 21.1% | 24.6% | 26.5% | 2.0% | 23.7% | 37.3% | 32.1% | 37.3% | 39.9% | 35.4% | 36.7% | 35.8% |
| — | +5.0% | +9.1% | -24.8% | -97.4% | +72.1% | +18.4% | +7.7% | +60093.9% | -11.2% | -34.1% | -17.4% | -94.5% | -40.4% | +5.5% | -12.4% | +4.0% | +9.3% | +12.1% | +17.6% | +18.8% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.2% | 4.1% | 3.3% | 1.4% | 3.1% | 3.6% | 2.8% | 2.7% | -6.2% | 2.0% | 2.3% | 2.4% | 0.2% | 2.4% | 3.7% | 3.4% | 4.4% | 4.9% | 3.8% | 3.6% | 3.3% |
| — | +13.4% | +16.9% | -46.7% | +150.5% | +78.0% | +20.0% | +8.7% | -3119.5% | -16.5% | -37.6% | -27.3% | -95.3% | -50.0% | -2.2% | -7.4% | +34.6% | +40.7% | +30.7% | +27.9% | +13.8% | |
| ROA | 1.2% | 0.4% | 0.3% | 0.1% | 0.3% | 0.3% | 0.3% | 0.2% | -0.6% | 0.2% | 0.2% | 0.2% | 0.0% | 0.2% | 0.3% | 0.3% | 0.4% | 0.4% | 0.3% | 0.3% | 0.3% |
| — | +15.1% | +22.4% | -43.3% | +155.9% | +104.9% | +39.6% | +23.8% | -3497.5% | -10.7% | -38.8% | -28.7% | -95.4% | -52.0% | -7.4% | -19.0% | +9.0% | +16.0% | +16.0% | +19.8% | +7.9% | |
| ROIC | 7.3% | 3.0% | 2.4% | 1.1% | 2.4% | 2.5% | 1.7% | 1.5% | -3.2% | 1.1% | 1.1% | 1.1% | 0.1% | 1.0% | 1.7% | 1.6% | 2.3% | 3.2% | 2.5% | 2.3% | 2.0% |
| — | +23.4% | +38.1% | -28.2% | +172.9% | +124.3% | +57.2% | +28.9% | -3717.5% | +11.2% | -36.5% | -30.8% | -96.0% | -69.2% | -29.2% | -30.3% | +14.3% | +54.0% | +41.8% | +39.8% | +18.0% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.31 | 0.42 | 0.23 | 0.31 | 0.31 | 0.31 | 0.50 | 0.54 | 0.91 | 0.70 | 0.83 | 1.17 | 0.93 | 1.47 | 1.22 | 0.84 | 1.04 | 0.45 | 0.43 | 0.48 | 0.44 |
| — | +36.7% | -54.4% | -42.1% | -66.5% | -56.3% | -39.9% | -53.9% | -1.8% | -52.1% | -32.5% | +38.3% | -10.3% | +224.4% | +183.9% | +74.1% | +134.3% | -17.8% | -28.0% | -15.9% | -18.5% | |
| Debt / EBITDA | 2.01 | 7.78 | 5.36 | 16.28 | 7.24 | 6.61 | 13.66 | 15.57 | — | 26.42 | 26.46 | 35.43 | 209.60 | 43.53 | 24.62 | 19.45 | 19.32 | 6.77 | 8.30 | 9.64 | 10.79 |
| — | +17.7% | -60.8% | +4.6% | — | -75.0% | -48.4% | -56.1% | — | -39.3% | +7.5% | +82.1% | +985.1% | +542.8% | +196.4% | +101.7% | +79.0% | -44.2% | -46.9% | -38.0% | -26.8% | |
| Current Ratio | 0.16 | 48.63 | 1.09 | 0.10 | 0.16 | 0.11 | 0.18 | 0.19 | 0.24 | 0.25 | 0.25 | 0.27 | 0.25 | 0.24 | 0.24 | 0.24 | 0.25 | 0.26 | 0.30 | 0.33 | 0.34 |
| — | +45233.3% | +516.8% | -50.4% | -34.5% | -57.8% | -29.9% | -29.2% | -5.5% | +6.8% | +5.0% | +11.7% | +2.7% | -7.6% | -19.4% | -26.1% | -27.9% | -21.1% | -3.2% | +17.5% | +58.2% | |
| Quick Ratio | 0.16 | 48.63 | 1.09 | 0.10 | 0.16 | 0.11 | 0.18 | 0.19 | 0.24 | 0.25 | 0.25 | 0.27 | 0.25 | 0.24 | 0.24 | 0.24 | 0.25 | 0.26 | 0.30 | 0.33 | 0.34 |
| — | +45233.3% | +516.8% | -50.4% | -34.5% | -57.8% | -29.9% | -29.2% | -5.5% | +6.8% | +5.0% | +11.7% | +2.7% | -7.6% | -19.4% | -26.1% | -27.9% | -21.1% | -3.2% | +17.5% | +58.2% | |
| Interest Coverage | 0.74 | 1.14 | 0.85 | 0.35 | 0.81 | 0.90 | 0.65 | 0.60 | -1.25 | 0.39 | 0.42 | 0.46 | 0.04 | 0.55 | 1.08 | 1.29 | 2.71 | 6.14 | 7.18 | 7.21 | 5.91 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying NWFL stock.
Norwood Financial Corp.'s current P/E is 10.1x. The average P/E over the last 4 quarters is 10.2x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Norwood Financial Corp.'s current operating margin is 40.4%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Norwood Financial Corp.'s business trajectory between earnings reports.