NWFL Relative Valuation
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. If the market price exceeds this fair value range, NWFL is overvalued; if below, it's undervalued.
Historical Valuation
Norwood Financial Corp (NWFL) is now in the Fair zone, suggesting that its current forward PS ratio of 0.00 is considered Fairly compared with the five-year average of 1.80. The fair price of Norwood Financial Corp (NWFL) is between NaN to NaN according to relative valuation methord.
Relative Value
Fair Zone
NaN-NaN
Current Price：30.08
Fair
9.10
PE
1Y
3Y
5Y
Trailing
Forward
0.00
EV/EBITDA
Norwood Financial Corp. (NWFL) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.
0.00
EV/EBIT
Norwood Financial Corp. (NWFL) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.
2.58
PS
Norwood Financial Corp. (NWFL) has a current PS of 2.58. The 5-year average PS is 0.49. The thresholds are as follows: Strongly Undervalued below -1.53, Undervalued between -1.53 and -0.52, Fairly Valued between 1.49 and -0.52, Overvalued between 1.49 and 2.50, and Strongly Overvalued above 2.50. The current Forward PS of 2.58 falls within the Strongly Overvalued range.
0.00
P/OCF
Norwood Financial Corp. (NWFL) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.
0.00
P/FCF
Norwood Financial Corp. (NWFL) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.
Norwood Financial Corp (NWFL) has a current Price-to-Book (P/B) ratio of 1.19. Compared to its 3-year average P/B ratio of 1.22 , the current P/B ratio is approximately -2.49% higher. Relative to its 5-year average P/B ratio of 1.19, the current P/B ratio is about 0.01% higher. Norwood Financial Corp (NWFL) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of 10.39%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 10.75% , the current FCF yield is about -100.00% lower.
1.19
P/B
Median3y
1.22
Median5y
1.19
8.93
FCF Yield
Median3y
10.39
Median5y
10.75
Competitors Valuation Multiple
The average P/S ratio for NWFL's competitors is 0.64, providing a benchmark for relative valuation. Norwood Financial Corp Corp (NWFL) exhibits a P/S ratio of 2.58, which is 300.00% above the industry average. Given its robust revenue growth of 28.66%, this premium appears sustainable.
P/S
P/E
EV/EBITDA
EV/EBIT
P/S
Revenue Growth
Market Cap
Performance Decomposition
1Y
3Y
5Y
Market capitalization of NWFL increased by 14.07% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 23.09 to 38.92.
The secondary factor is the Revenue Growth, contributed 28.66%to the performance.
Overall, the performance of NWFL in the past 1 year is driven by Margin Expansion. Which is more sustainable.
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FAQ
Is Norwood Financial Corp (NWFL) currently overvalued or undervalued?
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What is the current FCF Yield for Norwood Financial Corp (NWFL) as of Dec 13 2025?
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