Norwood Financial Corp. NWFL | NASDAQ
$32.86
-$0.48 | -1.44%
SIGNAL:
|2026-09-24
|F&G 39
|RSI 40.2
|2026-09-24
|F&G 39
|RSI 40.2
Company Overview:
Market Cap:
$363.48M
Trailing PE:
11.3x
FWD PE *:
8.7x
Payout Ratio (TTM):
44.2%
52-Week Range:
$23.82 - $35.48
* Forward PE is based on street estimates.
10 Year NWFL Performance Metrics:
Total Return (with DRIP):
141.0% (9.20% CAGR)
Total Return (no DRIP):
119.7% (8.19% CAGR)
Share Price:
69.6% (5.42% CAGR)
Yield on Cost (with DRIP):
9.39%
Total Invested:
$10,000
Total Value (with DRIP):
$24,103
Total Return $ (with DRIP):
$14,103
Dividend Increase:
50.0% (4.24% CAGR)
Dividend Yield (FWD):
3.90% ($1.28)
NWFL 10-yr Total Return ($10K invested)
1M
3M
6M
YTD
1Y
3Y
5Y
10Y
NWFL Share Price
1M
3M
6M
YTD
1Y
3Y
5Y
10Y
All
NWFL Price CAGR:1Y: 29.27%2Y: 9.15%5Y: 5.20%10Y: 5.42%
NWFL Dividend Charts
NWFL Dividend CAGR:1Y: 3.23%2Y: 3.28%5Y: 4.24%10Y: 4.47%
NWFL Dividend Payout Ratio CAGR:1Y: -19.25%2Y: -19.57%5Y: 0.14%10Y: -4.78%
NWFL Dividend to FCF Ratio CAGR:1Y: -26.69%2Y: 20.84%5Y: 6.71%10Y: -4.15%
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NWFL Fundamentals: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:
NWFL Revenue CAGR:1Y: -12.22%2Y: -0.86%5Y: 9.99%10Y: 14.45%
NWFL EPS CAGR:1Y: 26.47%2Y: 28.60%5Y: 4.20%10Y: 9.72%
NWFL Net Income CAGR:1Y: 50.33%2Y: 48.80%5Y: 10.14%10Y: 17.38%
NWFL EBITDA CAGR:1Y: 49.37%2Y: 46.68%5Y: 10.93%10Y: 17.02%
NWFL Free Cash Flow CAGR:1Y: 65.58%2Y: -0.96%5Y: 3.36%10Y: 16.61%
NWFL Free Cash Flow / Share CAGR:1Y: 65.58%2Y: -7.11%5Y: 1.05%10Y: 10.86%
NWFL Operating Income CAGR:1Y: 48.48%2Y: 47.56%5Y: 9.92%10Y: 17.15%
NWFL Gross Profit CAGR:1Y: 34.66%2Y: 27.81%5Y: 0.00%10Y: 0.00%
NWFL Shares Outstanding CAGR:1Y: 18.40%2Y: 16.02%5Y: 5.75%10Y: 6.98%
NWFL Share Buybacks CAGR:1Y: 0.00%2Y: -95.85%5Y: 0.00%10Y: 0.00%
NWFL Stock-Based Comp CAGR:1Y: 17.42%2Y: 5.16%5Y: 8.97%10Y: 17.69%
NWFL Expenses CAGR:1Y: -70.30%2Y: -3.34%5Y: 24.42%10Y: 22.40%
NWFL Revenue CAGR:1Y: -12.22%2Y: -0.86%5Y: 9.99%10Y: 14.45%
Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:
NWFL Actual Revenue CAGR:1Y: -12.22%2Y: -0.86%5Y: 9.99%10Y: 14.45%
NWFL Actual EPS CAGR:1Y: 26.47%2Y: 28.60%5Y: 4.20%10Y: 9.72%
NWFL Actual Net Income CAGR:1Y: 50.33%2Y: 48.80%5Y: 10.14%10Y: 17.38%
NWFL Actual EBITDA CAGR:1Y: 49.37%2Y: 46.68%5Y: 10.93%10Y: 17.02%
Ratios, Profit Margins & Return on Capital:
NWFL Net Profit Margin CAGR:1Y: 16.98%2Y: 24.01%5Y: -7.21%10Y: -1.27%
NWFL Gross Profit Margin CAGR:1Y: 4.80%2Y: 6.53%5Y: -8.60%10Y: -4.40%
NWFL Price to Earnings CAGR:1Y: -18.08%2Y: -18.03%5Y: -3.14%10Y: -5.40%
NWFL Price To Sales Ratio CAGR:1Y: -2.94%2Y: 1.77%5Y: -10.09%10Y: -6.58%
NWFL Return on Capital Employed CAGR:1Y: 27.30%2Y: 40.39%5Y: 51.90%10Y: 24.87%
NWFL Return on Invested Capital CAGR:1Y: 39.25%2Y: 53.72%5Y: 6.17%10Y: 8.75%
NWFL Dividends Info:
Annual Dividend:
$1.28
Forward Yield:
3.9%
Ex-Dividend Date:
2026-10-15
Lifetime Dividends / Share:
$19.97
NWFL Dividend History: Dates, Payments & Yield list
Below is a schedule of all NWFL dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield
| Ex-Date | Payment Date | Amount | Yield | Forward Yield | Price on Ex-Date |
|---|---|---|---|---|---|
| 10/15/2026 | 11/02/2026 | $0.320 | 3.78% | 0% | $0.00 |
| 07/15/2026 | 07/17/2026 | $0.320 | 4.12% | 4.09% | $31.33 |
| 04/15/2026 | 04/17/2026 | $0.320 | 4.15% | 4.08% | $31.35 |
| 01/15/2026 | 01/19/2026 | $0.320 | 4.53% | 4.07% | $31.44 |
| 10/15/2025 | 10/17/2025 | $0.310 | 5.02% | 5.09% | $24.37 |
| 07/15/2025 | 07/17/2025 | $0.310 | 5.02% | 5.02% | $24.70 |
| 04/15/2025 | 04/17/2025 | $0.310 | 5.47% | 5.39% | $23.01 |
| 01/15/2025 | 01/17/2025 | $0.310 | 4.64% | 4.72% | $26.25 |
| 10/18/2024 | 10/21/2024 | $0.300 | 4.19% | 4.34% | $27.63 |
| 07/15/2024 | 07/17/2024 | $0.300 | 4.4% | 4.32% | $27.80 |
| 04/12/2024 | 04/15/2024 | $0.300 | 5.05% | 5.11% | $23.50 |
| 01/11/2024 | 01/15/2024 | $0.300 | 4.09% | 4.18% | $28.72 |
| 10/12/2023 | 10/16/2023 | $0.290 | 4.48% | 4.59% | $25.25 |
| 07/13/2023 | 07/17/2023 | $0.290 | 3.94% | 4% | $28.99 |
| 04/13/2023 | 04/17/2023 | $0.290 | 4.23% | 4.18% | $27.73 |
| 01/12/2023 | 01/16/2023 | $0.290 | 3.37% | 3.36% | $34.50 |
| 10/13/2022 | 11/01/2022 | $0.280 | 4.15% | 3.87% | $28.96 |
| 07/14/2022 | 08/01/2022 | $0.280 | 4.63% | 4.26% | $26.30 |
| 04/13/2022 | 05/02/2022 | $0.280 | 3.96% | 3.98% | $28.13 |
| 01/13/2022 | 02/01/2022 | $0.280 | 4.02% | 3.9% | $28.69 |
| 10/14/2021 | 11/01/2021 | $0.260 | 4.08% | 3.9% | $26.70 |
| 07/14/2021 | 08/02/2021 | $0.260 | 4.12% | 4.11% | $25.33 |
| 04/14/2021 | 05/03/2021 | $0.260 | 4.03% | 4.02% | $25.89 |
| 01/14/2021 | 02/01/2021 | $0.260 | 3.74% | 4.3% | $24.20 |
| 10/14/2020 | 11/02/2020 | $0.250 | 4.09% | 4.1% | $24.38 |
| 07/16/2020 | 08/03/2020 | $0.250 | 3.38% | 4.02% | $24.89 |
| 04/14/2020 | 05/01/2020 | $0.250 | 3.96% | 4.36% | $22.93 |
| 01/14/2020 | 02/03/2020 | $0.250 | 2.63% | 2.87% | $34.85 |
| 10/11/2019 | 11/01/2019 | $0.240 | 3.16% | 2.83% | $33.88 |
| 07/12/2019 | 08/01/2019 | $0.240 | 2.79% | 2.79% | $34.42 |
| 04/12/2019 | 05/01/2019 | $0.240 | 3.01% | 2.96% | $32.41 |
| 01/14/2019 | 02/01/2019 | $0.240 | 3.09% | 3.01% | $31.90 |
| 10/12/2018 | 11/01/2018 | $0.220 | 2.38% | 2.26% | $38.89 |
| 07/12/2018 | 08/01/2018 | $0.220 | 2.45% | 2.29% | $38.50 |
| 04/12/2018 | 05/01/2018 | $0.220 | 2.95% | 2.9% | $30.30 |
| 01/11/2018 | 02/01/2018 | $0.220 | 2.75% | 2.75% | $31.97 |
| 10/12/2017 | 11/01/2017 | $0.220 | 3.11% | 2.96% | $29.73 |
| 07/12/2017 | 08/01/2017 | $0.213 | 3.03% | 3% | $28.49 |
| 04/11/2017 | 05/01/2017 | $0.213 | 3.25% | 3.3% | $25.85 |
| 01/11/2017 | 02/01/2017 | $0.213 | 4% | 3.5% | $24.35 |
| 10/12/2016 | 11/01/2016 | $0.207 | 4.31% | 4.22% | $19.60 |
| 07/13/2016 | 08/01/2016 | $0.207 | 4.49% | 4.35% | $19.00 |
| 04/13/2016 | 05/02/2016 | $0.207 | 4.39% | 4.35% | $19.00 |
| 01/13/2016 | 02/01/2016 | $0.207 | 4.35% | 4.43% | $18.67 |
| 10/13/2015 | 11/02/2015 | $0.207 | 4.31% | 4.32% | $19.14 |
| 07/13/2015 | 08/03/2015 | $0.207 | 4.18% | 4.23% | $19.56 |
| 04/13/2015 | 05/01/2015 | $0.207 | 4.26% | 4.15% | $19.91 |
| 01/13/2015 | 02/02/2015 | $0.200 | 4.16% | 4.07% | $19.67 |
| 10/10/2014 | 11/03/2014 | $0.200 | 4.22% | 4.14% | $19.33 |
| 07/21/2014 | 08/01/2014 | $0.200 | 4.12% | 4.1% | $19.49 |
| 04/11/2014 | 05/01/2014 | $0.200 | 4.1% | 4.06% | $19.71 |
| 01/13/2014 | 02/03/2014 | $0.200 | 4.25% | 3.77% | $21.24 |
| 10/10/2013 | 11/01/2013 | $0.193 | 4.08% | 4.07% | $19.02 |
| 07/11/2013 | 08/01/2013 | $0.193 | 3.9% | 3.98% | $19.41 |
| 04/11/2013 | 05/01/2013 | $0.188 | 4.11% | 4% | $18.79 |
| 01/11/2013 | 02/01/2013 | $0.188 | 4.02% | 4.19% | $17.92 |
| 10/11/2012 | 11/01/2012 | $0.182 | 3.77% | 3.99% | $18.22 |
| 07/11/2012 | 08/01/2012 | $0.182 | 4.08% | 4.42% | $16.44 |
| 04/11/2012 | 05/01/2012 | $0.182 | 4.55% | 4.4% | $16.52 |
| 01/11/2012 | 02/01/2012 | $0.182 | 4.46% | 4.48% | $16.24 |
| 10/12/2011 | 11/01/2011 | $0.176 | 4.8% | 4.98% | $14.13 |
| 07/13/2011 | 08/01/2011 | $0.176 | 4.37% | 4.37% | $16.08 |
| 04/13/2011 | 05/02/2011 | $0.176 | 4.14% | 4.18% | $16.82 |
| 01/12/2011 | 02/01/2011 | $0.176 | 4.28% | 4.29% | $16.37 |
| 10/13/2010 | 11/01/2010 | $0.170 | 4.2% | 3.96% | $17.12 |
| 07/13/2010 | 08/02/2010 | $0.170 | 4.45% | 4% | $16.97 |
| 04/13/2010 | 05/03/2010 | $0.170 | 4.13% | 3.99% | $17.01 |
| 01/13/2010 | 02/01/2010 | $0.170 | 4.15% | 4.27% | $15.88 |
| 10/14/2009 | 11/02/2009 | $0.164 | 3.49% | 3.9% | $16.78 |
| 07/15/2009 | 08/03/2009 | $0.164 | 3.38% | 3.28% | $19.97 |
| 04/14/2009 | 05/01/2009 | $0.164 | 4.32% | 3.72% | $17.58 |
| 01/13/2009 | 02/02/2009 | $0.164 | 3.79% | 3.69% | $17.73 |
| 10/15/2008 | 11/03/2008 | $0.152 | 3.57% | 3.23% | $18.79 |
| 07/11/2008 | 08/01/2008 | $0.152 | 3.45% | 3.34% | $18.16 |
| 04/11/2008 | 05/01/2008 | $0.152 | 3.23% | 3.23% | $18.76 |
| 01/11/2008 | 02/01/2008 | $0.152 | 3.33% | 3.24% | $18.68 |
| 10/11/2007 | 11/01/2007 | $0.139 | 3.06% | 2.97% | $18.79 |
| 07/12/2007 | 08/01/2007 | $0.139 | 2.82% | 2.92% | $19.12 |
| 04/12/2007 | 05/01/2007 | $0.139 | 2.83% | 2.81% | $19.87 |
| 01/12/2007 | 02/01/2007 | $0.139 | 3.01% | 2.92% | $19.09 |
| 10/12/2006 | 11/01/2006 | $0.127 | 2.69% | 2.7% | $18.82 |
| 07/12/2006 | 08/01/2006 | $0.127 | 2.69% | 2.65% | $19.24 |
| 04/11/2006 | 05/01/2006 | $0.121 | 2.62% | 2.61% | $18.61 |
| 01/11/2006 | 02/01/2006 | $0.121 | 2.63% | 2.62% | $18.48 |
| 10/13/2005 | 11/01/2005 | $0.104 | 2.31% | 2.31% | $17.96 |
| 07/13/2005 | 08/01/2005 | $0.104 | 2.25% | 2.27% | $18.34 |
| 04/13/2005 | 05/02/2005 | $0.104 | 2.36% | 2.15% | $19.31 |
| 01/12/2005 | 02/01/2005 | $0.104 | 2.03% | 2.15% | $19.34 |
| 10/13/2004 | 11/01/2004 | $0.098 | 2.27% | 2.16% | $18.18 |
| 07/13/2004 | 08/02/2004 | $0.098 | 2.3% | 2.43% | $16.16 |
| 04/13/2004 | 05/03/2004 | $0.098 | 2.53% | 2.13% | $18.47 |
| 01/13/2004 | 02/02/2004 | $0.098 | 2.5% | 2.45% | $16.05 |
| 10/10/2003 | 11/03/2003 | $0.092 | 2.33% | 2.52% | $14.66 |
| 07/11/2003 | 08/01/2003 | $0.092 | 2.45% | 2.26% | $16.31 |
| 04/11/2003 | 05/01/2003 | $0.092 | 3.23% | 2.95% | $12.51 |
| 01/13/2003 | 02/01/2003 | $0.092 | 3.22% | 3.17% | $11.64 |
| 10/10/2002 | 11/01/2002 | $0.085 | 3% | 2.99% | $11.34 |
| 07/11/2002 | 08/01/2002 | $0.085 | 3.03% | 3.03% | $11.16 |
| 04/11/2002 | 05/01/2002 | $0.085 | 3.3% | 3.23% | $10.47 |
| 01/11/2002 | 02/01/2002 | $0.085 | 3.4% | 3.34% | $10.14 |
| 10/12/2001 | 11/01/2001 | $0.077 | 3.13% | 3.11% | $9.89 |
Projected Future Returns & Dividends for NWFL
Based on past 10-year performance, here are NWFL growth metrics:
Share price CAGR of +5.42%
Dividend CAGR of +4.47%
Using NWFL CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:
| NWFL (DRIP) | NWFL - No DRIP | |
|---|---|---|
| Current Price | $32.86 | $32.86 |
| Start Shares | 304.32 | 304.32 |
| Start Value | $10,000 | $10,000 |
| After 10 years: | ||
| Final Share Count | 441.60 | 304.32 |
| Dividends Payment | $0.50 | $0.50 |
| Annual Dividends | $875 | $603 |
| Yield on cost | 8.75% | 6.03% |
| Share Price | $55.72 | $55.72 |
| Total Dividends | $5,858 | $4,780 |
| Final Value | $24,604 | $21,735 |
Estimated Future Value + Dividends - NWFL
NOTE: Above numbers are our estimate based on NWFL's Dividend and Price CAGR over past 10 years.
These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.
We cannot guarantee that your actual returns will meet these estimates.
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Company Info
Norwood Financial Corp. (NWFL) had its IPO on 1998-03-04, and is traded on NASDAQ stock exchange.
Norwood Financial Corp. functions as the holding entity for Wayne Bank, delivering a comprehensive suite of financial products and services. The institution facilitates a broad array of deposit options, encompassing both interest-bearing and non-interest-bearing checking accounts, alongside statement savings, money market accounts, and certificates of deposit. Its lending portfolio is extensive, featuring commercial loans such as credit lines, revolving credit facilities, term loans, business mortgages, secured lending products, and letters of credit. Norwood also extends financing for municipal projects, construction loans for both commercial developments and single-family homes, and land acquisition loans. Consumer credit and residential mortgage financing for primary and secondary residences are also key offerings. Furthermore, the company engages in indirect dealer financing for automobiles, boats, and recreational vehicles through dealerships. Beyond traditional banking, Norwood provides investment securities services, trust management, and a variety of contemporary cash management solutions. These include direct deposit, remote and mobile deposit capture, mobile payment processing, automated clearing house (ACH) transactions, real estate settlement support, and robust internet and mobile banking platforms. The corporation also diversifies its revenue through the sale of annuities and mutual funds, discount brokerage services, and an insurance agency operation. Catering to a wide client base, Norwood serves individual consumers, corporate entities, non-profit organizations, and local governments. Its operational footprint includes fourteen branch locations throughout Northeastern Pennsylvania and sixteen branches spanning Delaware, Sullivan, Ontario, Otsego, and Yates Counties in New York, supported by thirty-one automated teller machines. Established in 1870, Norwood Financial Corp. maintains its corporate headquarters in Honesdale, Pennsylvania.
NWFL website: https://wayne.bank
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DCF Model — NWFL
Value from:
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The full DCF valuation — fair value, implied growth and the price path — is a paid feature.
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Pay up to today
—
vs current price $32.86
—
Cash flow & implied price by year
FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.
EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.
Free cash flow today
—
grows for the next years
Then mature
—
every future dollar counted back to today
Pile of today-dollars
—
÷ shares
Implied price path
| Year | FCF | Implied price |
|---|
Sensitivity — fair value: growth ↓ × target return →
