Norwood Financial Corp.
NWFLFinancial ServicesNASDAQBanks - Regional
Scan Results
Daily timeframeNorwood Financial Corp. operates as the bank holding company for Wayne Bank that provides various banking products and services in the United States. The $332.6M market capitalization puts NWFL squarely in small-cap range for its industry. The company offers deposit products, including interest-bearing and non-interest-bearing transaction, statement savings, and money market accounts, as well as certificate of deposits.
Market Cap
$332.6M
Beta
0.55
P/E (TTM)
11.19
P/E (Fwd)
8.29
EPS (TTM)
$2.73
EPS (Fwd)
$3.69
ROE
10.2%
ROA
1.0%
Cash
$103.3M
Total Debt
$89.0M
Free CF
—
52W Change
20.2%
Annual Financials
Cash vs Debt
With $103.3M in cash and $89.0M in debt, NWFL maintains more liquidity than leverage. This favorable balance sheet position can be an asset when capital markets become less accommodating. ROE of 10.2% points to decent capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 1.0% is on the lower side, which is common in asset-heavy industries. Revenue has been uneven over recent years, ranging from $78.3M to $87.9M.
The relatively low beta of 0.55 suggests NWFL is a less volatile holding compared to the broader index. No single metric tells the full story. Reviewing NWFL's risk profile alongside its fundamentals and technical indicators provides a more complete picture.