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NWFL (Norwood Financial) Cyclically Adjusted PB Ratio : (As of May. 13, 2025)


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What is Norwood Financial Cyclically Adjusted PB Ratio?

Shiller PE for Stocks: The True Measure of Stock Valuation


Norwood Financial Cyclically Adjusted PB Ratio Historical Data

The historical data trend for Norwood Financial's Cyclically Adjusted 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 Cyclically Adjusted PB Ratio Chart

Norwood Financial Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.32 1.19 1.44 1.37 1.11

Norwood Financial Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
Cyclically Adjusted 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 1.12 1.04 1.12 1.11 -

Competitive Comparison of Norwood Financial's Cyclically Adjusted PB Ratio

For the Banks - Regional subindustry, Norwood Financial's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted 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 Cyclically Adjusted PB Ratio Distribution in the Banks Industry

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

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


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Norwood Financial Cyclically Adjusted PB Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.

Norwood Financial's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2025 is calculated as:

For example, Norwood Financial's adjusted Book Value per Share data for the three months ended in Mar. 2025 was:

Adj_Book=Book Value per Share/CPI of Mar. 2025 (Change)*Current CPI (Mar. 2025)
=23.837/134.9266*134.9266
=23.837

Current CPI (Mar. 2025) = 134.9266.

Norwood Financial Quarterly Data

Book Value per Share CPI Adj_Book
201506 18.098 100.684 24.253
201509 18.444 100.392 24.789
201512 18.191 99.792 24.596
201603 18.558 100.470 24.922
201606 18.889 101.688 25.063
201609 18.707 101.861 24.780
201612 17.801 101.863 23.579
201703 18.093 102.862 23.733
201706 18.599 103.349 24.282
201709 18.876 104.136 24.457
201712 18.509 104.011 24.010
201803 18.208 105.290 23.333
201806 18.453 106.317 23.419
201809 18.612 106.507 23.578
201812 19.432 105.998 24.735
201903 20.164 107.251 25.367
201906 20.900 108.070 26.094
201909 21.408 108.329 26.664
201912 21.673 108.420 26.972
202003 22.459 108.902 27.826
202006 22.541 108.767 27.962
202009 23.246 109.815 28.562
202012 23.679 109.897 29.072
202103 23.739 111.754 28.661
202106 24.380 114.631 28.696
202109 24.726 115.734 28.826
202112 25.029 117.630 28.709
202203 22.773 121.301 25.331
202206 21.287 125.017 22.974
202209 19.500 125.227 21.010
202212 20.459 125.222 22.045
202303 21.564 127.348 22.847
202306 21.498 128.729 22.533
202309 20.412 129.860 21.208
202312 22.327 129.419 23.277
202403 22.344 131.776 22.878
202406 22.514 132.554 22.917
202409 24.182 133.029 24.527
202412 23.025 133.157 23.331
202503 23.837 134.927 23.837

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


Norwood Financial  (NAS:NWFL) Cyclically Adjusted PB Ratio Explanation

Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.


Norwood Financial Cyclically Adjusted PB Ratio Related Terms

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


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
Vincent O'bell officer: See Remarks 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
Andrew Forte director 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
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
James F Burke officer: EVP & Chief Lending Officer FNCB BANCORP, INC., 102 E. DRINKER ST., DUNMORE PA 18512