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Norwood Financial

NMQ:NWFL · US6695491075
BanksX-Small

360

85
Profit price54
Cash yield91
Price/Sales66
EV / Gross Profit52
Price/Book56
Returns on capital42
Profit margins—
Cash Conversion70
Accruals65
Owner Earnings Margin33
Sales growth91
Profit growth25
Reinvestment18
Price momentum34
Debt load50
Debt serviceability53
Liquidity32
Analyst ratings67
Opinion Changes50
Price Target Upside29
Market mood1
Value Creation13/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Norwood Financial clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeX-Small
TypePublic Company
ExchangeNASDAQGM
Founded1995
Websiteir.wayne.bank
ISINUS6695491075
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)
Themes
BankingFinancial Services

Description

Norwood Financial Corp. operates as the bank holding company for Wayne Bank that provides various bank-related services. The company is a registered bank holding company subject to regulation and supervision by the Board of Governors of the Federal…

Analysis

Quality compounder

Norwood Financial Corp. is a quality compounder: a well-run business trading at a price that reflects what it is worth.

The price is attractive. You pay 14.9× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone.

The trajectory is solid and accelerating and the balance sheet is adequate. The company scores 13/20 on our value-creation score: creating some value.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
35
20232026

All-time high

72

Mar 2026

All-time low

35

Jun 2026

Average rank

57

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
66
—
—
44
Price/Earnings
95
—
—
66
Price/Book
56
—
—
12
Dividend Yield
91
—
—
74
Value (overall)
88
—
—
51

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →