NWFL
NORWOOD FINANCIAL CORP
Next earnings Jul 20, 2026 · consensus $0.89 EPS, $28.8M rev
Last earnings -5.3% on 2026-04-27
$32.49
▲ +4.20%$32.49▲ +33.90%
over 1Y
L $23.13EODHDH $32.49
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+4.2%
1W+5.4%
1M+5.4%
3M+13.3%
YTD+18.6%
1Y+33.9%
Buy
Conviction
Horizon
Medium (3–12mo)
Street · 8 analysts
Buy
Revenue grew 8.1% YoY.
Revenue (FY2025) $8.00M · FY2025
The read
Quality fundamentals and an attractive price line up (~252% below fair value) — the rarer case where both the business and the entry look good.
NORWOOD FINANCIAL CORP shows $8.00M in FY2025 revenue (+8.1% YoY), a 347.0% net margin, and 11.5% ROE.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | $7.02M | $8.76M | $7.14M | $7.40M | $8.00M |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $24.9M | $29.2M | $16.8M | -$160K | $27.8M |
| Diluted EPS | $3.04 | $3.58 | $2.07 | -$0.02 | $3.01 |
| Net margin | 354.9% | 333.7% | 234.9% | -2.2% | 347.0% |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF12.1
PEG (trailing)0.00
Earnings yield7.8%
FCF yield8.3%
Quality & risk
ROIC (est.)—
Free cash flow$29.2M
Total debt$14.7M
Net cash$29.7M
Piotroski F-Score5/6
Capital returns
Buyback yield0.1%
Dividend yield (est.)3.2%
Shareholder yield3.3%
Shares Δ YoY+17.6%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsSome governance/structural items recently, but no outright red flags.
Recent filings
all on EDGAR ↗8-KPeriod ending 2026-06-182026-06-18open ↗8-KPeriod ending 2026-06-182026-06-18open ↗4Period ending 2026-06-102026-06-12open ↗4Period ending 2026-06-102026-06-12open ↗4Period ending 2026-06-102026-06-12open ↗4Period ending 2026-06-102026-06-12open ↗4Period ending 2026-06-102026-06-12open ↗4Period ending 2026-06-102026-06-12open ↗4Period ending 2026-06-102026-06-12open ↗4Period ending 2026-06-102026-06-12open ↗4Period ending 2026-06-102026-06-12open ↗4Period ending 2026-06-102026-06-12open ↗
Frequently asked
- Is NORWOOD FINANCIAL CORP (NWFL) a buy?
- NWFL currently carries a Buy rating with 4/5 conviction, derived from its latest SEC filings. Revenue grew 8.1% YoY.
- What is NWFL's fair value?
- A Modified-Graham model based on NWFL's SEC fundamentals estimates a fair value of about $114.38. It is an estimate from reported earnings, not a price target.
- Is NWFL overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, NWFL currently appears undervalued relative to its SEC-grounded earnings power.
- What is NORWOOD FINANCIAL CORP's quality score?
- NWFL scores 74.35294117647058/100 (grade B) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0001013272, latest 10-Q filed 2026-05-08) · EODHD · as of 6/26/2026, 8:05:56 PM.
Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.