Historical Valuation
Norwood Financial Corp (NWFL) is now in the Fair zone, suggesting that its current forward PS ratio of 2.39 is considered Fairly compared with the five-year average of 1.90. The fair price of Norwood Financial Corp (NWFL) is between 26.35 to 30.49 according to relative valuation methord.
Relative Value
Fair Zone
26.35-30.49
Current Price：28.03
Fair
P/E
EV/EBITDA
EV/EBIT
P/S
P/OCF
P/FCF
1Y
3Y
5Y
Trailing
Forward
Norwood Financial Corp (NWFL) has a current Price-to-Book (P/B) ratio of 1.10. Compared to its 3-year average P/B ratio of 1.21 , the current P/B ratio is approximately -9.20% higher. Relative to its 5-year average P/B ratio of 1.19, the current P/B ratio is about -7.84% higher. Norwood Financial Corp (NWFL) has a Forward Free Cash Flow (FCF) yield of approximately 9.64%. Compared to its 3-year average FCF yield of 10.36%, the current FCF yield is approximately -6.95% lower. Relative to its 5-year average FCF yield of 10.80% , the current FCF yield is about -10.75% lower.
P/B
Median3y
1.21
Median5y
1.19
FCF Yield
Median3y
10.36
Median5y
10.80
Competitors Valuation Multiple
AI Analysis for NWFL
The average P/S ratio for NWFL competitors is 1.69, providing a benchmark for relative valuation. Norwood Financial Corp Corp (NWFL.O) exhibits a P/S ratio of 2.39, which is 41.05% above the industry average. Given its robust revenue growth of 28.66%, this premium appears sustainable.
Performance Decomposition
AI Analysis for NWFL
1Y
3Y
5Y
Market capitalization of NWFL increased by 0.00% over the past 1 year. The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.
The secondary factor is the Unknown, contributed 0.00%to the performance.
Overall, the performance of NWFL in the past 1 year is driven by Unknown.
People Also Watch
Frequently Asked Questions
Is NWFL currently overvalued or undervalued?
Norwood Financial Corp (NWFL) is now in the Fair zone, suggesting that its current forward PS ratio of 2.39 is considered Fairly compared with the five-year average of 1.90. The fair price of Norwood Financial Corp (NWFL) is between 26.35 to 30.49 according to relative valuation methord.
What is Norwood Financial Corp (NWFL) fair value?
NWFL's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average , adjusted by weights. The fair price of Norwood Financial Corp (NWFL) is between 26.35 to 30.49 according to relative valuation methord.
How does NWFL's valuation metrics compare to the industry average?
The average P/S ratio for NWFL's competitors is 1.69, providing a benchmark for relative valuation. Norwood Financial Corp Corp (NWFL) exhibits a P/S ratio of 2.39, which is 41.05% above the industry average. Given its robust revenue growth of 28.66%, this premium appears sustainable.
What is the current P/B ratio for Norwood Financial Corp (NWFL) as of Jan 10 2026?
As of Jan 10 2026, Norwood Financial Corp (NWFL) has a P/B ratio of 1.10. This indicates that the market values NWFL at 1.10 times its book value.
What is the current FCF Yield for Norwood Financial Corp (NWFL) as of Jan 10 2026?
As of Jan 10 2026, Norwood Financial Corp (NWFL) has a FCF Yield of 9.64%. This means that for every dollar of Norwood Financial Corp’s market capitalization, the company generates 9.64 cents in free cash flow.
What is the current Forward P/E ratio for Norwood Financial Corp (NWFL) as of Jan 10 2026?
As of Jan 10 2026, Norwood Financial Corp (NWFL) has a Forward P/E ratio of 8.38. This means the market is willing to pay $8.38 for every dollar of Norwood Financial Corp’s expected earnings over the next 12 months.
What is the current Forward P/S ratio for Norwood Financial Corp (NWFL) as of Jan 10 2026?
As of Jan 10 2026, Norwood Financial Corp (NWFL) has a Forward P/S ratio of 2.39. This means the market is valuing NWFL at $2.39 for every dollar of expected revenue over the next 12 months.