NORWOOD FINANCIAL CORP (NWFL)
State Commercial Banks · Financial Services · $338M
Intrinsic Value (Consensus)
$45.35
Current Price
$31.34
Margin of Safety
+44.7%
44.7% Below Intrinsic Value
Value: $45
Price: $31
Valuation Model Estimates
Current Price: $31.34
DCF (Discounted Cash Flow)
$49.83
Graham Number
$42.14
Earnings Power Value
$29.22
Relative Value (P/E)
$60.20
Dividend Discount Model
$6.04
Consensus Value
$45.35
Model Assumptions
Discount Rate
10.3%
Growth Rate
5.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
B
67
Profitability
18/25
Strength
17/25
Valuation
22/25
Growth
10/25
Financial Health Signals
High free cash flow yield (8.7%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $3.01
- EPS (Forward)
- $3.16
- Book Value
- $26.22
- P/E Ratio
- 20.0
- Forward P/E
- 19.0
- PEG Ratio
- —
- ROE
- 11.5%
- Debt/Equity
- —
- Revenue Growth
- 8.1%
- Earnings Growth
- 5.0%
- Dividend Yield
- 0.5%
- Beta
- 1.00
Similar Stocks (Financial Services)
AACBRArtius II Acquisitio...
$3.57+300%
ACGLNArch Capital Group L...
$225.25+300%
ACGLOArch Capital Group L...
$225.25+300%
AFGBAmerican Financial G...
$182.24+300%
AFGCAmerican Financial G...
$182.24+300%
Data last updated: 2026-06-16
Source: Yahoo Finance