NWFL PE Ratio & Valuation,Is NWFL Overvalued

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 2.56 is considered Fairly compared with the five-year average of 1.81. The fair price of Norwood Financial Corp (NWFL) is between 23.78 to 33.18 according to relative valuation methord.

Relative Value

Fair Zone

23.78-33.18

Current Price：29.73

Fair

8.98

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.

2.56

Norwood Financial Corp. (NWFL) has a current PS of 2.56. 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 1.50 and -0.52, Overvalued between 1.50 and 2.51, and Strongly Overvalued above 2.51. The current Forward PS of 2.56 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 1.18. Compared to its 3-year average P/B ratio of 1.22 , the current P/B ratio is approximately -3.56% higher. Relative to its 5-year average P/B ratio of 1.19, the current P/B ratio is about -1.24% higher. Norwood Financial Corp (NWFL) has a Forward Free Cash Flow (FCF) yield of approximately 9.01%. Compared to its 3-year average FCF yield of 10.39%, the current FCF yield is approximately -13.27% lower. Relative to its 5-year average FCF yield of 10.75% , the current FCF yield is about -16.18% lower.

1.18

P/B

Median3y

1.22

Median5y

1.19

9.01

FCF Yield

Median3y

10.39

Median5y

10.75

Competitors Valuation Multiple

The average P/S ratio for NWFL's competitors is 2.06, providing a benchmark for relative valuation. Norwood Financial Corp Corp (NWFL) exhibits a P/S ratio of 2.56, which is 24.2% above the industry average. Given its robust revenue growth of 28.66%, this premium appears sustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

Revenue Growth

Market Cap

Performance Decomposition

Market capitalization of NWFL increased by 13.01% 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.

28.66%

16.65M → 21.42M

Revenue Growth

68.56%

23.09 → 38.92

Margin Expansion

-84.21%

221.27 → 34.94

P/E Change

13.01%

26.52 → 29.97

Mkt Cap Growth

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Frequently Asked Questions

Is Norwood Financial Corp (NWFL) currently overvalued or undervalued?

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 23.78 to 33.18 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 2.06, providing a benchmark for relative valuation. Norwood Financial Corp Corp (NWFL) exhibits a P/S ratio of 2.56, which is 24.20% 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 Dec 15 2025?

As of Dec 15 2025, Norwood Financial Corp (NWFL) has a P/B ratio of 1.18. This indicates that the market values NWFL at 1.18 times its book value.

What is the current FCF Yield for Norwood Financial Corp (NWFL) as of Dec 15 2025?

As of Dec 15 2025, Norwood Financial Corp (NWFL) has a FCF Yield of 9.01%. This means that for every dollar of Norwood Financial Corp’s market capitalization, the company generates 9.01 cents in free cash flow.

What is the current Forward P/E ratio for Norwood Financial Corp (NWFL) as of Dec 15 2025?

As of Dec 15 2025, Norwood Financial Corp (NWFL) has a Forward P/E ratio of 8.98. This means the market is willing to pay $8.98 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 Dec 15 2025?

As of Dec 15 2025, Norwood Financial Corp (NWFL) has a Forward P/S ratio of 2.56. This means the market is valuing NWFL at $2.56 for every dollar of expected revenue over the next 12 months.

NWFL Valuation

NWFL Valuation

NWFL Relative Valuation

Historical Valuation

Competitors Valuation Multiple

Performance Decomposition

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Frequently Asked Questions

Is Norwood Financial Corp (NWFL) currently overvalued or undervalued?

What is Norwood Financial Corp (NWFL) fair value?

How does NWFL's valuation metrics compare to the industry average?

What is the current P/B ratio for Norwood Financial Corp (NWFL) as of Dec 15 2025?

What is the current FCF Yield for Norwood Financial Corp (NWFL) as of Dec 15 2025?

What is the current Forward P/E ratio for Norwood Financial Corp (NWFL) as of Dec 15 2025?

What is the current Forward P/S ratio for Norwood Financial Corp (NWFL) as of Dec 15 2025?