NORWOOD FINANCIAL CORP (NWFL)
State Commercial Banks · Financial Services · $556M
Intrinsic Value (Consensus)
$45.35
Current Price
$60.20
Margin of Safety
-24.7%
24.7% Above Intrinsic Value
Value: $45
Price: $60
Valuation Model Estimates
Current Price: $60.20
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%.
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
Data last updated: 2026-06-12
Source: Yahoo Finance