US · NWFL
Norwood Financial Corp.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Honesdale, PA 18431
- Website
- wayne.bank
Price · as of 2025-12-31
$30.87
Market cap 270.08M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $2,402.67 | +7,683.19% |
| Intrinsic Value(DCF) | $11.84 | -61.65% |
| Graham-Dodd Method(GD) | $38.38 | +24.32% |
| Graham Formula(GF) | $123.71 | +300.75% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $9.18 | $25.93 | $12.45 | $12.29 | $24.52 |
| 2012 | $11.11 | $21.97 | $23.70 | $12.15 | $22.43 |
| 2013 | $11.86 | $18.95 | $24.34 | $11.40 | $9.36 |
| 2014 | $12.60 | $45.22 | $24.84 | $11.35 | $7.37 |
| 2015 | $12.16 | $21.25 | $24.00 | $9.59 | $7.47 |
| 2016 | $18.00 | $34.84 | $31.56 | $10.82 | $26.30 |
| 2017 | $21.99 | $39.35 | $42.03 | $10.40 | $39.27 |
| 2018 | $22.20 | $25.63 | $54.19 | $15.50 | $34.57 |
| 2019 | $22.53 | $30.17 | $66.10 | $17.02 | $38.01 |
| 2020 | $22.79 | $40.79 | $67.94 | $18.32 | $62.28 |
| 2021 | $23.04 | $24.14 | $70.06 | $21.09 | $83.05 |
| 2022 | $28.33 | $40.52 | $89.49 | $18.02 | $56.01 |
| 2023 | $24.18 | $28.86 | $57.00 | $11.71 | $59.09 |
| 2024 | $24.17 | $25.69 | $43.00 | $4.71 | $0.00 |
| 2025 | $29.60 | $2,402.67 | $0.00 | $38.38 | $123.71 |
AI valuation
Our deep-learning model estimates Norwood Financial Corp.'s (NWFL) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $2,402.67
- Current price
- $30.87
- AI upside
- +7,683.19%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$11.84
-61.65% upside
Graham-Dodd
$38.38
+24.32% upside
Graham Formula
$123.71
+300.75% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| NWFL | Norwood Financial Corp. | $30.87 | 270.08M | +7,683% | -62% | +24% | +301% | 9.77 | 1.12 | 1.99 | -2.61 | — | 1.27 | 63.63% | 26.07% | 20.39% | 12.18% | -30.17% | 1.17% | 0.31 | 0.74 | 155.21 | 155.21 | 1.15 | -1525000.00% | 3422.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 29.68% | -2.69 | — | -0.70 | 1.38 |
| CHMG | Chemung Financial Corpora… | $55.52 | 266.18M | -22% | +51% | -24% | +55% | 9.82 | 1.08 | 1.55 | -3.67 | — | 1.20 | 64.27% | 20.11% | 15.82% | 11.53% | -9.11% | 0.86% | 0.55 | 0.56 | 0.19 | 0.19 | 2.23 | -606.00% | 954.00% | -1387.00% | 11.27% | 0.01 | -10.08% | 3.17% | 31.10% | 3.32% | -3.92 | -4.50 | -0.79 | -0.61 |
| CZFS | Citizens Financial Servic… | $60.06 | 288.67M | +306% | -13% | +51% | +37% | 7.96 | 0.86 | 1.68 | 2.70 | 25.20 | 1.16 | 63.32% | 26.03% | 21.11% | 11.47% | 10.87% | 1.20% | 0.92 | 0.74 | 0.94 | 0.94 | 6.10 | 3161.00% | 275.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 2.70 | — | 0.70 | 0.25 |
| FDBC | Fidelity D & D Bancorp, I… | $43.85 | 252.9M | -29% | +30% | -38% | +122% | 11.68 | 1.19 | 1.94 | -5.25 | 90.87 | 1.32 | 63.50% | 19.10% | 16.63% | 10.57% | -12.75% | 0.82% | 0.08 | 0.53 | 0.19 | 0.19 | -2.25 | 1285.00% | 1962.00% | 951.00% | 10.25% | 0.01 | -15.26% | 3.64% | 42.60% | 40.13% | -6.49 | -6.22 | -1.24 | -0.66 |
| FINW | FinWise Bancorp | $16.84 | 228.8M | +662% | +40,598% | +27% | +351% | 13.40 | 1.12 | 1.43 | 8.28 | 62.32 | 1.14 | 61.00% | 14.41% | 10.66% | 8.77% | 13.94% | 1.87% | 0.02 | 1.07 | 8.98 | 8.98 | -0.35 | 2151.00% | 5489.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 8.28 | — | 1.19 | 0.63 |
| FRST | Primis Financial Corp. | $13.21 | 326.23M | +484% | +7,447% | +124% | +468% | 5.36 | 0.78 | 1.05 | 6.18 | — | 1.00 | 67.59% | 23.21% | 19.66% | 15.86% | 14.86% | 1.59% | 0.62 | 0.82 | 0.07 | 0.07 | 1.63 | -47727.00% | 2302.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 6.18 | — | 1.43 | -0.42 |
| FUNC | First United Corporation | $35.47 | 230.45M | +27% | -22% | -18% | +117% | 9.83 | 1.13 | 1.81 | 7.73 | 24.57 | 1.21 | 68.75% | 24.36% | 18.40% | 12.06% | 10.55% | 1.06% | 1.05 | 0.85 | 0.10 | 0.10 | 3.53 | 4000.00% | 1694.00% | -795.00% | 10.07% | 0.01 | 10.44% | 2.66% | 26.10% | 4.65% | 8.81 | 11.79 | 2.15 | -0.60 |
| ISTR | Investar Holding Corporat… | $28.23 | 277.81M | +86% | -29% | -12% | +36% | 8.32 | 0.70 | 1.08 | 8.56 | 39.08 | 0.84 | 54.87% | 15.59% | 12.94% | 8.65% | 17.91% | 0.73% | 0.42 | 0.33 | 0.02 | 0.02 | 2.66 | 2130.00% | 1096.00% | -3874.00% | 9.15% | 0.01 | 13.64% | 2.36% | 19.60% | 2.54% | 9.65 | 15.27 | 1.50 | -0.82 |
| OVLY | Oak Valley Bancorp | $32.00 | 268.42M | +54% | +27% | -5% | -1% | 8.16 | 1.11 | 2.28 | -0.30 | — | 1.13 | 87.43% | 35.99% | 27.89% | 14.28% | -8.88% | 1.33% | 0.00 | 2.50 | 0.13 | 0.13 | -4.16 | -1947.00% | 247.00% | -2345.00% | 11.71% | 0.02 | -8.49% | 1.84% | 15.00% | 1.92% | -0.31 | -0.41 | -0.11 | -0.63 |
| TSBK | Timberland Bancorp, Inc. | $38.08 | 300.24M | -25% | -9% | -10% | +60% | 9.33 | 1.04 | 2.46 | 0.34 | 42.56 | 1.10 | 70.10% | 32.79% | 26.39% | 11.48% | 247.17% | 1.48% | 0.09 | 1.13 | 0.17 | 0.17 | -5.88 | 2193.00% | 881.00% | 3092.00% | 10.44% | 0.02 | 240.91% | 2.97% | 27.70% | 32.35% | 0.37 | 0.47 | 0.12 | -0.48 |
| WNEB | Western New England Banco… | $12.85 | 263.32M | +177% | -25% | -28% | -25% | 16.26 | 0.80 | 1.55 | 5.40 | — | 0.85 | 59.79% | 12.19% | 9.50% | 4.93% | 6.27% | 0.45% | 0.52 | 0.30 | 0.10 | 0.10 | 3.76 | -2000.00% | 957.00% | -756.00% | 5.79% | 0.01 | 5.90% | 3.12% | 50.70% | 41.22% | 6.34 | 8.65 | 0.77 | -0.74 |
About Norwood Financial Corp.
Norwood Financial Corp. operates as the bank holding company for Wayne Bank that provides various banking products and services. The company accepts a range of deposit products, including interest-bearing and non-interest bearing transaction accounts, and statement savings and money market accounts, as well as certificate of deposits. It also provides various loans, such as commercial loans comprising lines of credit, revolving credit, term loans, mortgages, secured lending products, and letter of credit facilities; municipal finance lending; construction loans for commercial construction projects and single-family residences; land loans; consumer loans; mortgage lending to finance principal residences and second home dwellings; and indirect dealer financing of new and used automobiles, boats, and recreational vehicles. In addition, the company offers investment securities services; trust and investment products; and cash management, direct deposit, remote deposit capture, mobile deposit capture, mobile payment, automated clearing house activity, real estate settlement, and Internet and mobile banking services. Further, it engages in the annuity and mutual fund sale, and discount brokerage activities, as well as insurance agency business. The company serves consumers, businesses, nonprofit organizations, and municipalities. It operates fourteen offices in Northeastern Pennsylvania; and sixteen offices in Delaware, Sullivan, Ontario, Otsego, and Yates Counties, New York, as well as thirty-one automated teller machines. Norwood Financial Corp. was founded in 1870 and is headquartered in Honesdale, Pennsylvania.
- CEO
- James O. Donnelly
- Employees
- 264
- Beta
- 0.59
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($11.84 ÷ $30.87) − 1 = -61.65% (DCF, example).