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NWFL Quote, Financials, Valuation and Earnings

Last price:
$27.30
Seasonality move :
-0.31%
Day range:
$26.80 - $27.30
52-week range:
$23.50 - $34.50
Dividend yield:
4.41%
P/E ratio:
17.11x
P/S ratio:
3.16x
P/B ratio:
1.13x
Volume:
11.6K
Avg. volume:
17.5K
1-year change:
-17.34%
Market cap:
$220.1M
Revenue:
$70.2M
EPS (TTM):
$1.59

Price Performance History

Performance vs. Valuation Benchmarks

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Competitors

Company Revenue Forecast Earnings Forecast Revenue Growth Forecast Earnings Growth Forecast Analyst Price Target Median
NWFL
Norwood Financial
-- -- -- -- --
BHB
Bar Harbor Bankshares
$34.3M $0.69 -10.43% 5.39% $35.00
EVBN
Evans Bancorp
$17.3M $0.48 -46.71% -74.05% $50.05
FFBC
First Financial Bancorp
$216.8M $0.65 7.99% 8.67% $29.88
HBAN
Huntington Bancshares
$1.9B $0.31 5.67% 106.3% $18.46
WSBC
Wesbanco
$156.4M $0.55 7.13% -1.04% $39.29
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
NWFL
Norwood Financial
$27.21 -- $220.1M 17.11x $0.30 4.41% 3.16x
BHB
Bar Harbor Bankshares
$30.58 $35.00 $466.9M 11.00x $0.30 3.86% 3.09x
EVBN
Evans Bancorp
$43.30 $50.05 $239.9M 13.00x $0.66 3.05% 2.86x
FFBC
First Financial Bancorp
$26.86 $29.88 $2.6B 11.58x $0.24 3.5% 3.15x
HBAN
Huntington Bancshares
$16.27 $18.46 $23.6B 15.64x $0.16 3.81% 3.33x
WSBC
Wesbanco
$32.61 $39.29 $2.2B 15.60x $0.37 4.45% 3.39x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
NWFL
Norwood Financial
41.26% 1.134 61.58% 7.49x
BHB
Bar Harbor Bankshares
34.26% 1.362 50.9% 3.32x
EVBN
Evans Bancorp
46.15% 1.446 73.84% 48.21x
FFBC
First Financial Bancorp
32.02% 0.810 47.91% 5.64x
HBAN
Huntington Bancshares
44.29% 1.105 68.84% 28.74x
WSBC
Wesbanco
34.17% 1.365 68.09% 18.65x
Company Gross Profit Operating Income Return on Invested Capital Return on Common Equity EBIT Margin Free Cash Flow
NWFL
Norwood Financial
-- -- 3.65% 7.1% 95.5% $4.1M
BHB
Bar Harbor Bankshares
-- -- 5.57% 9.79% 86.07% $22.4M
EVBN
Evans Bancorp
-- -- 5.39% 10.61% 97.21% $11.9M
FFBC
First Financial Bancorp
-- -- 6.15% 9.63% 82.7% $84.4M
HBAN
Huntington Bancshares
-- -- 4.85% 8.48% 98.29% -$480M
WSBC
Wesbanco
-- -- 3.31% 5.32% 92.05% $56.9M

Norwood Financial vs. Competitors

  • Which has Higher Returns NWFL or BHB?

    Bar Harbor Bankshares has a net margin of 21.09% compared to Norwood Financial's net margin of 31.58%. Norwood Financial's return on equity of 7.1% beat Bar Harbor Bankshares's return on equity of 9.79%.

    Company Gross Margin Earnings Per Share Invested Capital
    NWFL
    Norwood Financial
    -- $0.48 $333.1M
    BHB
    Bar Harbor Bankshares
    -- $0.80 $699.6M
  • What do Analysts Say About NWFL or BHB?

    Norwood Financial has a consensus price target of --, signalling downside risk potential of --. On the other hand Bar Harbor Bankshares has an analysts' consensus of $35.00 which suggests that it could grow by 14.45%. Given that Bar Harbor Bankshares has higher upside potential than Norwood Financial, analysts believe Bar Harbor Bankshares is more attractive than Norwood Financial.

    Company Buy Ratings Hold Ratings Sell Ratings
    NWFL
    Norwood Financial
    0 0 0
    BHB
    Bar Harbor Bankshares
    0 2 0
  • Is NWFL or BHB More Risky?

    Norwood Financial has a beta of 0.619, which suggesting that the stock is 38.123% less volatile than S&P 500. In comparison Bar Harbor Bankshares has a beta of 0.729, suggesting its less volatile than the S&P 500 by 27.076%.

  • Which is a Better Dividend Stock NWFL or BHB?

    Norwood Financial has a quarterly dividend of $0.30 per share corresponding to a yield of 4.41%. Bar Harbor Bankshares offers a yield of 3.86% to investors and pays a quarterly dividend of $0.30 per share. Norwood Financial pays 56.19% of its earnings as a dividend. Bar Harbor Bankshares pays out 36.94% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios NWFL or BHB?

    Norwood Financial quarterly revenues are $18.2M, which are smaller than Bar Harbor Bankshares quarterly revenues of $38.6M. Norwood Financial's net income of $3.8M is lower than Bar Harbor Bankshares's net income of $12.2M. Notably, Norwood Financial's price-to-earnings ratio is 17.11x while Bar Harbor Bankshares's PE ratio is 11.00x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Norwood Financial is 3.16x versus 3.09x for Bar Harbor Bankshares. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    NWFL
    Norwood Financial
    3.16x 17.11x $18.2M $3.8M
    BHB
    Bar Harbor Bankshares
    3.09x 11.00x $38.6M $12.2M
  • Which has Higher Returns NWFL or EVBN?

    Evans Bancorp has a net margin of 21.09% compared to Norwood Financial's net margin of 16.32%. Norwood Financial's return on equity of 7.1% beat Evans Bancorp's return on equity of 10.61%.

    Company Gross Margin Earnings Per Share Invested Capital
    NWFL
    Norwood Financial
    -- $0.48 $333.1M
    EVBN
    Evans Bancorp
    -- $0.53 $345.1M
  • What do Analysts Say About NWFL or EVBN?

    Norwood Financial has a consensus price target of --, signalling downside risk potential of --. On the other hand Evans Bancorp has an analysts' consensus of $50.05 which suggests that it could grow by 15.59%. Given that Evans Bancorp has higher upside potential than Norwood Financial, analysts believe Evans Bancorp is more attractive than Norwood Financial.

    Company Buy Ratings Hold Ratings Sell Ratings
    NWFL
    Norwood Financial
    0 0 0
    EVBN
    Evans Bancorp
    0 1 0
  • Is NWFL or EVBN More Risky?

    Norwood Financial has a beta of 0.619, which suggesting that the stock is 38.123% less volatile than S&P 500. In comparison Evans Bancorp has a beta of 0.927, suggesting its less volatile than the S&P 500 by 7.33%.

  • Which is a Better Dividend Stock NWFL or EVBN?

    Norwood Financial has a quarterly dividend of $0.30 per share corresponding to a yield of 4.41%. Evans Bancorp offers a yield of 3.05% to investors and pays a quarterly dividend of $0.66 per share. Norwood Financial pays 56.19% of its earnings as a dividend. Evans Bancorp pays out 29.45% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios NWFL or EVBN?

    Norwood Financial quarterly revenues are $18.2M, which are larger than Evans Bancorp quarterly revenues of $18M. Norwood Financial's net income of $3.8M is higher than Evans Bancorp's net income of $2.9M. Notably, Norwood Financial's price-to-earnings ratio is 17.11x while Evans Bancorp's PE ratio is 13.00x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Norwood Financial is 3.16x versus 2.86x for Evans Bancorp. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    NWFL
    Norwood Financial
    3.16x 17.11x $18.2M $3.8M
    EVBN
    Evans Bancorp
    2.86x 13.00x $18M $2.9M
  • Which has Higher Returns NWFL or FFBC?

    First Financial Bancorp has a net margin of 21.09% compared to Norwood Financial's net margin of 26.06%. Norwood Financial's return on equity of 7.1% beat First Financial Bancorp's return on equity of 9.63%.

    Company Gross Margin Earnings Per Share Invested Capital
    NWFL
    Norwood Financial
    -- $0.48 $333.1M
    FFBC
    First Financial Bancorp
    -- $0.55 $3.6B
  • What do Analysts Say About NWFL or FFBC?

    Norwood Financial has a consensus price target of --, signalling downside risk potential of --. On the other hand First Financial Bancorp has an analysts' consensus of $29.88 which suggests that it could grow by 11.23%. Given that First Financial Bancorp has higher upside potential than Norwood Financial, analysts believe First Financial Bancorp is more attractive than Norwood Financial.

    Company Buy Ratings Hold Ratings Sell Ratings
    NWFL
    Norwood Financial
    0 0 0
    FFBC
    First Financial Bancorp
    1 4 0
  • Is NWFL or FFBC More Risky?

    Norwood Financial has a beta of 0.619, which suggesting that the stock is 38.123% less volatile than S&P 500. In comparison First Financial Bancorp has a beta of 1.023, suggesting its more volatile than the S&P 500 by 2.289%.

  • Which is a Better Dividend Stock NWFL or FFBC?

    Norwood Financial has a quarterly dividend of $0.30 per share corresponding to a yield of 4.41%. First Financial Bancorp offers a yield of 3.5% to investors and pays a quarterly dividend of $0.24 per share. Norwood Financial pays 56.19% of its earnings as a dividend. First Financial Bancorp pays out 34.07% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios NWFL or FFBC?

    Norwood Financial quarterly revenues are $18.2M, which are smaller than First Financial Bancorp quarterly revenues of $201.3M. Norwood Financial's net income of $3.8M is lower than First Financial Bancorp's net income of $52.5M. Notably, Norwood Financial's price-to-earnings ratio is 17.11x while First Financial Bancorp's PE ratio is 11.58x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Norwood Financial is 3.16x versus 3.15x for First Financial Bancorp. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    NWFL
    Norwood Financial
    3.16x 17.11x $18.2M $3.8M
    FFBC
    First Financial Bancorp
    3.15x 11.58x $201.3M $52.5M
  • Which has Higher Returns NWFL or HBAN?

    Huntington Bancshares has a net margin of 21.09% compared to Norwood Financial's net margin of 27.59%. Norwood Financial's return on equity of 7.1% beat Huntington Bancshares's return on equity of 8.48%.

    Company Gross Margin Earnings Per Share Invested Capital
    NWFL
    Norwood Financial
    -- $0.48 $333.1M
    HBAN
    Huntington Bancshares
    -- $0.33 $37B
  • What do Analysts Say About NWFL or HBAN?

    Norwood Financial has a consensus price target of --, signalling downside risk potential of --. On the other hand Huntington Bancshares has an analysts' consensus of $18.46 which suggests that it could grow by 13.94%. Given that Huntington Bancshares has higher upside potential than Norwood Financial, analysts believe Huntington Bancshares is more attractive than Norwood Financial.

    Company Buy Ratings Hold Ratings Sell Ratings
    NWFL
    Norwood Financial
    0 0 0
    HBAN
    Huntington Bancshares
    7 8 0
  • Is NWFL or HBAN More Risky?

    Norwood Financial has a beta of 0.619, which suggesting that the stock is 38.123% less volatile than S&P 500. In comparison Huntington Bancshares has a beta of 1.073, suggesting its more volatile than the S&P 500 by 7.262%.

  • Which is a Better Dividend Stock NWFL or HBAN?

    Norwood Financial has a quarterly dividend of $0.30 per share corresponding to a yield of 4.41%. Huntington Bancshares offers a yield of 3.81% to investors and pays a quarterly dividend of $0.16 per share. Norwood Financial pays 56.19% of its earnings as a dividend. Huntington Bancshares pays out 53% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios NWFL or HBAN?

    Norwood Financial quarterly revenues are $18.2M, which are smaller than Huntington Bancshares quarterly revenues of $1.9B. Norwood Financial's net income of $3.8M is lower than Huntington Bancshares's net income of $517M. Notably, Norwood Financial's price-to-earnings ratio is 17.11x while Huntington Bancshares's PE ratio is 15.64x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Norwood Financial is 3.16x versus 3.33x for Huntington Bancshares. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    NWFL
    Norwood Financial
    3.16x 17.11x $18.2M $3.8M
    HBAN
    Huntington Bancshares
    3.33x 15.64x $1.9B $517M
  • Which has Higher Returns NWFL or WSBC?

    Wesbanco has a net margin of 21.09% compared to Norwood Financial's net margin of 24.98%. Norwood Financial's return on equity of 7.1% beat Wesbanco's return on equity of 5.32%.

    Company Gross Margin Earnings Per Share Invested Capital
    NWFL
    Norwood Financial
    -- $0.48 $333.1M
    WSBC
    Wesbanco
    -- $0.54 $4.3B
  • What do Analysts Say About NWFL or WSBC?

    Norwood Financial has a consensus price target of --, signalling downside risk potential of --. On the other hand Wesbanco has an analysts' consensus of $39.29 which suggests that it could grow by 20.47%. Given that Wesbanco has higher upside potential than Norwood Financial, analysts believe Wesbanco is more attractive than Norwood Financial.

    Company Buy Ratings Hold Ratings Sell Ratings
    NWFL
    Norwood Financial
    0 0 0
    WSBC
    Wesbanco
    3 4 0
  • Is NWFL or WSBC More Risky?

    Norwood Financial has a beta of 0.619, which suggesting that the stock is 38.123% less volatile than S&P 500. In comparison Wesbanco has a beta of 0.840, suggesting its less volatile than the S&P 500 by 15.973%.

  • Which is a Better Dividend Stock NWFL or WSBC?

    Norwood Financial has a quarterly dividend of $0.30 per share corresponding to a yield of 4.41%. Wesbanco offers a yield of 4.45% to investors and pays a quarterly dividend of $0.37 per share. Norwood Financial pays 56.19% of its earnings as a dividend. Wesbanco pays out 58.11% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios NWFL or WSBC?

    Norwood Financial quarterly revenues are $18.2M, which are smaller than Wesbanco quarterly revenues of $149.2M. Norwood Financial's net income of $3.8M is lower than Wesbanco's net income of $37.3M. Notably, Norwood Financial's price-to-earnings ratio is 17.11x while Wesbanco's PE ratio is 15.60x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Norwood Financial is 3.16x versus 3.39x for Wesbanco. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    NWFL
    Norwood Financial
    3.16x 17.11x $18.2M $3.8M
    WSBC
    Wesbanco
    3.39x 15.60x $149.2M $37.3M

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