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Norwood Financial (Norwood Financial) PB Ratio : 1.08 (As of Apr. 24, 2024)


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What is Norwood Financial PB Ratio?

The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2024-04-24), Norwood Financial's share price is $24.21. Norwood Financial's Book Value per Share for the quarter that ended in Dec. 2023 was $22.33. Hence, Norwood Financial's PB Ratio of today is 1.08.

Good Sign:

Norwood Financial Corp stock PB Ratio (=1.13) is close to 3-year low of 1.02

The historical rank and industry rank for Norwood Financial's PB Ratio or its related term are showing as below:

NWFL' s PB Ratio Range Over the Past 10 Years
Min: 0.96   Med: 1.18   Max: 2.14
Current: 1.08

During the past 13 years, Norwood Financial's highest PB Ratio was 2.14. The lowest was 0.96. And the median was 1.18.

NWFL's PB Ratio is ranked worse than
67.99% of 1459 companies
in the Banks industry
Industry Median: 0.85 vs NWFL: 1.08

During the past 12 months, Norwood Financial's average Book Value Per Share Growth Rate was 9.10% per year. During the past 3 years, the average Book Value Per Share Growth Rate was -1.90% per year. During the past 5 years, the average Book Value Per Share Growth Rate was 1.70% per year. During the past 10 years, the average Book Value Per Share Growth Rate was 3.40% per year.

During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Norwood Financial was 34.30% per year. The lowest was -1.90% per year. And the median was 6.95% per year.

Back to Basics: PB Ratio


Norwood Financial PB Ratio Historical Data

The historical data trend for Norwood Financial's PB Ratio can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Norwood Financial PB Ratio Chart

Norwood Financial Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.79 1.11 1.04 1.63 1.47

Norwood Financial Quarterly Data
Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23
PB Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.63 1.36 1.37 1.26 1.47

Competitive Comparison of Norwood Financial's PB Ratio

For the Banks - Regional subindustry, Norwood Financial's PB Ratio, along with its competitors' market caps and PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Norwood Financial's PB Ratio Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Norwood Financial's PB Ratio distribution charts can be found below:

* The bar in red indicates where Norwood Financial's PB Ratio falls into.



Norwood Financial PB Ratio Calculation

The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.

Norwood Financial's PB Ratio for today is calculated as follows:

PB Ratio=Share Price/Book Value per Share (Q: Dec. 2023)
=24.21/22.326
=1.08

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

It can also be calculated from the numbers for the whole company:

A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.


Norwood Financial  (NAS:NWFL) PB Ratio Explanation

Unlike valuation ratios relative to the earning power such as PE Ratio, PE Ratio without NRI, PS Ratio, Price-to-Operating-Cash-Flow , or Price-to-Free-Cash-Flow, the PB Ratio measures the valuation of the stock relative to the underlying asset of the company.

The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.


Be Aware

Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.


Norwood Financial PB Ratio Related Terms

Thank you for viewing the detailed overview of Norwood Financial's PB Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


Norwood Financial (Norwood Financial) Business Description

Traded in Other Exchanges
N/A
Address
717 Main Street, P.O. Box 269, Honesdale, PA, USA, 18431
Norwood Financial Corp is a U.S.-based bank holding company. It offers various personal and business credit services, trust and investment products, and real estate settlement services to consumers, businesses, nonprofit organizations, and municipalities in each of the communities that the bank serves. The bank also manages automated teller machines at its branch location. It serves the Pennsylvanian counties of Wayne, Pike, Monroe, and Lackawanna, as well as Susquehanna County.
Executives
Andrew Forte director 717 MAIN STREET, HONESDALE PA 18431
James O Donnelly officer: President & CEO 717 MAIN ST, HONESDALE PA 18431
Jeffrey S Gifford director GIFFORD JEFFREY S, 717 MAIN STREET, HONESDALE PA 18431
Joseph W Adams director 717 MAIN STREET, HONESDALE PA 18431
William S Lance officer: EVP & CFO 717 MAIN STREET, HONESDALE PA 18431
John F Carmody officer: EVP & Chief Credit Officer 717 MAIN STREET, HONESDALE PA 18431
Lewis J Critelli director, officer: President & CEO P O BOX 269, 717 MAIN ST, HONESDALE PA 18431
Alexandra K Nolan director NOLAN ALEXANDRA K, 717 MAIN STREET, HONESDALE PA 18431
Robert J Mancuso officer: EVP & Chief Credit Officer 717 MAIN STREET, HONESDALE PA 18431
Vincent O'bell officer: See Remarks 717 MAIN STREET, HONESDALE PA 18431
Davis William W Jr director, officer: Chairman of the Board P O BOX 269, 717 MAIN ST, HONESDALE PA 18431
Kenneth A Phillips director P O BOX 269, 717 MAIN ST, HONESDALE PA 18431
John H Sanders officer: Senior Vice President P O BOX 269, 717 MAIN ST, HONESDALE PA 18431
Susan Campfield director 717 MAIN STREET, HONESDALE PA 18431
Meg L Hungerford director 717 MAIN STREET, HONESDALE PA 18431

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