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Company Analysis

Norwood Financial Corp. NWFL

A comprehensive view of key metrics, scores, and financial health for Norwood Financial Corp.

Overview of Norwood Financial Corp.

NWFL NGM
Financial Services Banks - Regional Micro Cap
Norwood Financial Corp. (NWFL), is a Micro Cap company, in the Banks - Regional industry, last closed at $28.30, about 6.5% overvalued vs fair value, +12.9% 1Y return, ranked 444/1004 in sector.
$28.30
-0.67%
As of March 13, 2026
Previous close • Vol 90d: 26.5%
52-Week Range
Market Cap
$269.50M
Enterprise Value
$311.51M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://wayne.bank
HQ Honesdale, PA
Employees 281
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$15
$26
$50
Current: $28.30 -7% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$112.6M
17.8%%
Interest Expense
$48.2M
Net Interest Income
$62.2M
0.2%%
Total Revenue
$136.1M
166.7%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
-0.1%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Norwood Financial Corp.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
46
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
26
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing NWFL's balance between Growth (61.3%), Profitability (29.6%), and Safety (9.1%). Growth 61% Safety 9% Profitability 30%

Click axes to expand details. Marker shows current allocation.

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Growth

70th percentile vs peers
71
Key Signals
Rev Growth YoY 1.67 95p Revenue CAGR 3Y 20.2% 55p Asset Growth YoY 4.6% 55p
Strengths
  • Rev Growth Yoy in top 20% of peers (1.67, 95th percentile)
  • Growth above peer median with strong metric coverage (72%)
Risks

No significant risks identified for this axis.

Profitability

34th percentile vs peers
34
Key Signals
Strengths
Risks
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Safety

10th percentile vs peers
10
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Norwood Financial Corp..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
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Bear
-
- - -
- upside
-
Base
$26.47
- - -
-6.5% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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