Norwood Financial Corp. (NWFL) Stock Score, Valuation & Financial Research
Norwood Financial Corp. is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 61/100.
Quick answer for NWFL
Norwood Financial Corp. currently has a Wall Street Score of 61/100. The stored market price is $34.75. Its financial score is 56/100. Its valuation score is 97/100. These figures are a research snapshot, not a buy or sell recommendation.
What Norwood Financial Corp. does
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 auto
NWFL financial snapshot
- Wall Street Score:
- 61/100
- Current price:
- $34.75
- Market capitalization:
- $378.5M
- Revenue:
- $144.4M
- Net income:
- $28.8M
- Free cash flow:
- $29.2M
- Cash:
- $60.3M
- Total debt:
- $65.5M
- EPS:
- 3.03
- P/E ratio:
- 11.5x
- Financial score:
- 56/100
- Valuation score:
- 97/100
- Revenue score:
- 40/100
What stands out
- Reported year-over-year revenue growth is +0.1%.
- Free cash flow is $29.2M, showing positive cash generation.
- The balance sheet shows $60.3M of cash versus $65.5M of total debt, so leverage deserves attention.
What the numbers mean
Its current valuation score is 97/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 56/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-07-24.
How to research NWFL
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.