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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 Framework: Banks & Lenders Small Cap
Norwood Financial Corp. (NWFL), is a Small Cap company, in the Banks - Regional industry, last closed at $32.14, about 17.6% overvalued vs fair value, +28.6% 1Y return, ranked 432/1037 in sector.
Metrics Rev Growth 166.7% ROE 12.2% Gross Margin 63.6%
USD 32.14
0.72%
(Delayed)
• Vol 90d: 29.3%
52-Week Range
Market Cap
$346.20M
Enterprise Value
$388.21M
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Good
Health
Weak
Efficiency
Fair
Valuation
Fair
Growth
Good
Profitability
Good
Health
Weak
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 50%
Updated: Mar 8
Top Beats

Quick Facts

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

Next Events

Earnings Jul 27 Estimated

Fair Value Snapshot

Bear Base Bull
$15
$26
$50
Current: $32.14 -18% vs base

Engine Room Money Flow™

Small 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
56
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
49
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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 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing NWFL's balance between Growth (37.5%), Profitability (26.8%), and Safety (35.8%). Growth 37% Safety 36% Profitability 27%

Click axes to expand details. Marker shows current allocation.

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Growth

48th percentile vs peers
49
Key Signals
Asset Growth YoY 4.6% 54p Equity Growth YoY 17.9% 86p NII Growth YoY 0.2% 44p EPS Growth YoY -1.01 7p
Strengths
  • Equity Growth YoY in top 20% of peers (17.9%, 86th percentile)
Risks
  • EPS Growth YoY in bottom 20% of peers (-1.01)

Profitability

34th percentile vs peers
35
Key Signals
Strengths
Risks
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Safety

46th percentile vs peers
47
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
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$26.47
- - -
-17.6% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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