Norwood Financial Statements From 2010 to 2025

NWFL Stock  USD 25.65  0.48  1.84%   
Norwood Financial financial statements provide useful quarterly and yearly information to potential Norwood Financial Corp investors about the company's current and past financial position, as well as its overall management performance and changes in financial position over time. Historical trend examination of various income statement and balance sheet accounts found on Norwood Financial financial statements helps investors assess Norwood Financial's valuation, profitability, and current liquidity needs. Key fundamental drivers impacting Norwood Financial's valuation are summarized below:
Norwood Financial Corp does not presently have any fundamental ratios for analysis.
Check Norwood Financial financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Norwood Financial's main balance sheet or income statement drivers, such as , as well as many indicators such as . Norwood financial statements analysis is a perfect complement when working with Norwood Financial Valuation or Volatility modules.
  
Check out the analysis of Norwood Financial Correlation against competitors.

Norwood Financial Corp Company Return On Equity Analysis

Norwood Financial's Return on Equity or ROE tells company stockholders how effectually their money is being utilized or reinvested. It is a useful ratio when analyzing company profitability or the management effectiveness given the capital invested by the shareholders. ROE shows how efficiently a company utilizes investments to generate income.

Return On Equity

 = 

Net Income

Total Equity

More About Return On Equity | All Equity Analysis

Current Norwood Financial Return On Equity

    
  0.0713  
Most of Norwood Financial's fundamental indicators, such as Return On Equity, are part of a valuation analysis module that helps investors searching for stocks that are currently trading at higher or lower prices than their real value. If the real value is higher than the market price, Norwood Financial Corp is considered to be undervalued, and we provide a buy recommendation. Otherwise, we render a sell signal.
For most industries, Return on Equity between 10% and 30% are considered desirable to provide dividends to owners and have funds for the future growth of the company. Investors should be very careful using ROE as the only efficiency indicator because ROE can be high if a company is heavily leveraged.
Competition

Based on the latest financial disclosure, Norwood Financial Corp has a Return On Equity of 0.0713. This is 95.08% lower than that of the Banks sector and significantly higher than that of the Financials industry. The return on equity for all United States stocks is 123.0% lower than that of the firm.

Norwood Financial Corp Fundamental Drivers Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Norwood Financial's current stock value. Our valuation model uses many indicators to compare Norwood Financial value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Norwood Financial competition to find correlations between indicators driving Norwood Financial's intrinsic value. More Info.
Norwood Financial Corp is rated below average in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about  0.08  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Norwood Financial Corp is roughly  12.29 . Comparative valuation analysis is a catch-all technique that is used if you cannot value Norwood Financial by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

About Norwood Financial Financial Statements

Norwood Financial investors utilize fundamental indicators, such as revenue or net income, to predict how Norwood Stock might perform in the future. Analyzing these trends over time helps investors make informed market timing decisions. For further insights, please visit our fundamental analysis page.
Norwood Financial Corp. operates as the bank holding company for Wayne Bank that provides various banking products and services. Norwood Financial Corp. was founded in 1870 and is headquartered in Honesdale, Pennsylvania. Norwood Financial operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 263 people.

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When determining whether Norwood Financial Corp is a strong investment it is important to analyze Norwood Financial's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Norwood Financial's future performance. For an informed investment choice regarding Norwood Stock, refer to the following important reports:
Check out the analysis of Norwood Financial Correlation against competitors.
You can also try the Money Managers module to screen money managers from public funds and ETFs managed around the world.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Norwood Financial. If investors know Norwood will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Norwood Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
The market value of Norwood Financial Corp is measured differently than its book value, which is the value of Norwood that is recorded on the company's balance sheet. Investors also form their own opinion of Norwood Financial's value that differs from its market value or its book value, called intrinsic value, which is Norwood Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Norwood Financial's market value can be influenced by many factors that don't directly affect Norwood Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Norwood Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Norwood Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Norwood Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.