Norwood Financial Corp.

Norwood Financial Corp.

NWFLยทNASDAQ

$30.54

-3.9%
Financial ServicesBanks - Regional

Norwood Financial Corp. operates as the bank holding company for Wayne Bank that provides various banking products and services. The company accepts a range of deposit products, including interest-bearing and non-interest bearing transaction accounts, and statement savings and money market accounts, as well as certificate of deposits. It also provides various loans, such as commercial loans comprising lines of credit, revolving credit, term loans, mortgages, secured lending products, and letter of credit facilities; municipal finance lending; construction loans for commercial construction projects and single-family residences; land loans; consumer loans; mortgage lending to finance principal residences and second home dwellings; and indirect dealer financing of new and used automobiles, boats, and recreational vehicles. In addition, the company offers investment securities services; trust and investment products; and cash management, direct deposit, remote deposit capture, mobile deposit capture, mobile payment, automated clearing house activity, real estate settlement, and Internet and mobile banking services. Further, it engages in the annuity and mutual fund sale, and discount brokerage activities, as well as insurance agency business. The company serves consumers, businesses, nonprofit organizations, and municipalities. It operates fourteen offices in Northeastern Pennsylvania; and sixteen offices in Delaware, Sullivan, Ontario, Otsego, and Yates Counties, New York, as well as thirty-one automated teller machines. Norwood Financial Corp. was founded in 1870 and is headquartered in Honesdale, Pennsylvania.

At a Glance

Live Snapshot
Market Cap$281.90M
EPS3.0300
P/E Ratio9.26
Earnings Date07/28/2026
Norwood Financial Corp.

Norwood Financial Corp. Fair Value Envelope

NWFL ยท NASDAQ

Our analysis suggests that NWFL has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $30.54, this represents a potential HIDDEN relative to our calculated worth for Norwood Financial Corp..

Intrinsic Value
Current Price: $30.54

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$14.8B
+ Cash & Equivalents$44.4M
Firm Value$14.8B
- Debt$74.1M
Equity Value$14.8B
/ Shares Outstanding9,261,575B
DCF Value$1.6K
UNDERVALUED BY 5123%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$49.9M
$73.4M
$107.8M
$158.4M
$232.8M
$342.1M
$502.8M
$738.9M
$1.1B
$1.6B
Maintenance CapEx
-$1.4M
-$2.0M
-$3.0M
-$4.4M
-$6.5M
-$9.5M
-$14.0M
-$20.5M
-$30.2M
-$44.3M
Owner Earnings
$48.5M
$71.3M
$104.8M
$154.0M
$226.3M
$332.6M
$488.8M
$718.3M
$1.1B
$1.6B
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$44.9M
$61.1M
$83.2M
$113.2M
$154.0M
$209.6M
$285.2M
$388.1M
$528.1M
$718.6M
Terminal Value represents 82.5% of Enterprise Value