What is Norwood Financial Corp.'s (NWFL) StockRank?

MoatMap's StockRank for Norwood Financial Corp. (NWFL) is 78/100, with a Buy signal. This is a composite score combining Quality (55), Value (55), and Momentum (62) factor ranks across MoatMap's 20,000+ stock universe.

Does Norwood Financial Corp. have an economic moat?

Norwood Financial Corp. (NWFL) has a Quality factor score of 55/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is Norwood Financial Corp. a buy, hold, or sell?

MoatMap's current signal for Norwood Financial Corp. (NWFL) is Buy, based on a StockRank of 78/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.

What sector is Norwood Financial Corp. in?

Norwood Financial Corp. (NWFL) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).

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NWFL

BUY

Norwood Financial Corp. · Financial Services · United States · $355M · Avg Vol: $2M/d

StockRank

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P/E (TTM)

11.4x

ROE

10.2%

D/E

0.3x

Dividend %

4.0%

COMPANY DESCRIPTION

Norwood Financial Corp. is the holding company for Wayne Bank, a community bank offering a full range of commercial, retail, and municipal banking services, including loans, deposits, and wealth management. Its competitive advantage stems from a deep-rooted local presence and community focus across Northeastern Pennsylvania and the Delaware River Valley in New York, serving a stable regional market.

FINANCIAL SUMMARY (USD)

Year	2021	2022	2023	2024	2025	CAGR	TTM	2026E	2027E	Fwd CAGR
Revenue	—	78.3M	70.2M	51.0M	87.9M	3.9%	92.6M	116.9M	124.7M	19.1%
EPS	3.05	3.59	2.08	-0.02	3.01	-0.3%	2.73	3.39	3.67	10.5%
Shares	—	8.2M	8.1M	9.3M	9.3M	+13.8%	10.9M	—	—	—
Debt	—	82.3M	114.2M	158.5M	74.1M	-3.4%	89.0M	—	—	—
Equity	—	167.1M	181.1M	213.5M	242.2M	13.2%	—	—	—	—
Op CF	—	30.7M	29.8M	22.8M	34.0M	3.4%	30.9M	—	—	—
Inv CF	—	-208.0M	-116.6M	-115.2M	-129.0M	—	—	—	—	—
Fin CF	—	2.4M	121.0M	98.6M	67.1M	—	—	—	—	—

Loading 1Y...

PRICE (1Y)+9.6%

SMA 50SMA 200

$34.05

RSI (14)

74.4

52W High

$34.55

From 52W High

1.0%

SCORE BREAKDOWN

Quality

ROIC (ROA)

1.0%*36.5

ROE

10.2%53.5

GP/Assets

3.8%N/A

Op. Margin

40.6%60.1

FCF/Assets

1.1%N/A

Piotroski

683.6

Int. Cover

—50.0

D/E Ratio

0.31xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

11.4x62.7

EV/EBITDA

bankN/A

P/FCF

13.3xN/A

P/B

1.2x47.7

P/S

3.7x51.8

Div Yield

4.0%51.9

Momentum

52W High %

99%84.0

RS 6M

16%83.4

SMA 50/200

1.07x66.1

EPS Rev 4W

-0.8%40.4

EPS Rev 12W

-0.3%48.7

EPS Improve

+34%62.2

Q Growth

-35%10.7

FUNDAMENTALS

Market Cap

$355M

P/E (Forward)

8.5x

Gross Margin

—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of NWFL are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
NWFL	Norwood Financial Corp.(you)	$355M	78	BUY
WSBF	Waterstone Financial, Inc.	$362M	78	BUY
COSO	CoastalSouth Bancshares, Inc.	$325M	78	BUY
NECB	Northeast Community Bancorp, Inc.	$369M	80	STRONG BUY
PCB	PCB Bancorp	$400M	77	BUY
FVCB	FVCBankcorp, Inc.	$324M	80	STRONG BUY
BPRN	Princeton Bancorp, Inc.	$278M	77	BUY
PLBC	Plumas Bancorp	$427M	81	STRONG BUY
FCCO	First Community Corporation	$316M	73	BUY
FUNC	First United Corporation	$288M	81	STRONG BUY

Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%

Price	$34.05
Market Cap	$355M
P/E (TTM)	11.44
P/E (Forward)	8.55
Price/Book	1.19
Return on Equity	10.2%
Debt/Equity	0.31x
Operating Margin	40.6%
Revenue Growth	33.4%
Dividend Yield	4.0%
Free Cash Flow	$27M