NWFL (Norwood Financial) Cyclically Adjusted Revenue per Share: $9.35 (As of Mar. 2026)

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NWFL Norwood Financial Corp NWFL
60 GF Score
Price $31.33
GF Value $31.64
Valuation Fairly Valued
! 4 Warning Signs
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What is Norwood Financial Cyclically Adjusted Revenue per Share?

Norwood Financial NWFL -1.57% 60 Cyclically Adjusted Revenue per Share is $9.35 as of Mar. 2026. GuruFocus rates NWFL with a GF Score™ of 60/100 and a GF Value™ of $31.64 (Fairly Valued). The stock has 4 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

Norwood Financial's adjusted revenue per share for the three months ended in Mar. 2026 was $2.531. Add all the adjusted revenue per share for the past 10 years together and divide the count will get our Cyclically Adjusted Revenue per Share, which is $9.35 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Norwood Financial's average Cyclically Adjusted Revenue Growth Rate was 6.20% per year. During the past 3 years, the average Cyclically Adjusted Revenue Growth Rate was 4.10% per year. During the past 5 years, the average Cyclically Adjusted Revenue Growth Rate was 6.30% per year. During the past 10 years, the average Cyclically Adjusted Revenue Growth Rate was 5.70% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Revenue Growth Rate using Cyclically Adjusted Revenue per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Revenue Growth Rate of Norwood Financial was 8.70% per year. The lowest was 2.10% per year. And the median was 4.10% per year.

As of today (2026-07-19), Norwood Financial's current stock price is $31.33. Norwood Financial's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 was $9.35. Norwood Financial's Cyclically Adjusted PS Ratio of today is 3.35.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Norwood Financial was 6.50. The lowest was 2.53. And the median was 3.74.


Norwood Financial  (NAS:NWFL) Cyclically Adjusted Revenue per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Revenue per Share may underestimate the company's revenue. Cyclically Adjusted PS Ratio can seem to be too high even the actual PS Ratio is low.

For the Cyclically Adjusted PS Ratio, the revenue per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/S calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PS Ratio is also called CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

Norwood Financial's Cyclically Adjusted PS Ratio of today is calculated as

Cyclically Adjusted PS Ratio=Share Price/Cyclically Adjusted Revenue per Share
=31.33/9.35
=3.35

* 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.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Norwood Financial was 6.50. The lowest was 2.53. And the median was 3.74.


Be Aware

Cyclically Adjusted PS Ratio works better for cyclical companies. It gives you a better idea on the company's real revenue value.


Norwood Financial Cyclically Adjusted Revenue per Share Related Terms


Norwood Financial Cyclically Adjusted Revenue per Share Historical Data

* Premium members only.

The historical data trend for Norwood Financial's Cyclically Adjusted Revenue per Share 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.

Norwood Financial Cyclically Adjusted Revenue per Share Chart

Norwood Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Revenue per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 7.33 8.07 8.49 8.65 9.11

Norwood Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Revenue per Share 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 8.80 8.93 9.06 9.11 9.35

NWFL vs TSBK, CZFS, BCML: Cyclically Adjusted Revenue per Share Comparison

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

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

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


NWFL
60GF Score
Norwood Financial Corp NWFL
Cyclically Adjusted Revenue per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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Norwood Financial Cyclically Adjusted Revenue per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

What is Cyclically Adjusted Revenue per Share? How do we calculate Cyclically Adjusted Revenue per Share?

Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Revenue per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the revenue per share from 2001 through 2010.

We adjusted the 2001 revenue per share data with the total inflation from 2001 through 2010 to the equivalent revenue in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's revenue is $1 a share in 2001, then the 2001's equivalent revenue in 2010 is $1.4 a share. If Wal-Mart's revenue is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 revenue in 2010 is $1.35. So on and so forth, you get the equivalent revenue per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Revenue 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.

For example, Norwood Financial's adjusted Revenue per Share data for the three months ended in Mar. 2026 was:

Adj_RevenuePerShare= Revenue per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=2.531/330.2130*330.2130
=2.531

Current CPI (Mar. 2026) = 330.2130.

Norwood Financial Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201606 1.379 241.018 1.889
201609 1.505 241.428 2.058
201612 1.583 241.432 2.165
201703 1.618 243.801 2.191
201706 1.647 244.955 2.220
201709 1.713 246.819 2.292
201712 1.693 246.524 2.268
201803 1.672 249.554 2.212
201806 1.751 251.989 2.295
201809 1.806 252.439 2.362
201812 1.763 251.233 2.317
201903 1.717 254.202 2.230
201906 1.782 256.143 2.297
201909 1.866 256.759 2.400
201912 1.800 256.974 2.313
202003 1.790 258.115 2.290
202006 1.782 257.797 2.283
202009 2.159 260.280 2.739
202012 2.224 260.474 2.819
202103 2.163 264.877 2.697
202106 2.223 271.696 2.702
202109 2.333 274.310 2.808
202112 2.265 278.802 2.683
202203 2.372 287.504 2.724
202206 2.373 296.311 2.645
202209 2.502 296.808 2.784
202212 2.334 296.797 2.597
202303 2.210 301.836 2.418
202306 2.158 305.109 2.336
202309 2.159 307.789 2.316
202312 2.150 306.746 2.314
202403 2.071 312.332 2.190
202406 2.129 314.175 2.238
202409 2.264 315.301 2.371
202412 -0.126 315.605 -0.132
202503 2.193 319.799 2.264
202506 2.314 322.561 2.369
202509 2.465 324.800 2.506
202512 2.483 324.054 2.530
202603 2.531 330.213 2.531

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

What does a Cyclically Adjusted Revenue per Share of $9.35 mean?
Norwood Financial (NWFL) has a Cyclically Adjusted Revenue per Share of $9.35 as of Mar. 2026. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Norwood Financial and its competitors.
Is Norwood Financial's Cyclically Adjusted Revenue per Share too high?
Norwood Financial's current Cyclically Adjusted Revenue per Share is $9.35. Overall, Norwood Financial has a GF Score™ of 60/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Norwood Financial's Cyclically Adjusted Revenue per Share compare to TSBK and CZFS?
Norwood Financial's Cyclically Adjusted Revenue per Share of $9.35 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Revenue per Share for a Banks company?
A good Cyclically Adjusted Revenue per Share depends on the Banks industry context. However, Cyclically Adjusted Revenue per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Revenue per Share mean?
A high Cyclically Adjusted Revenue per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Norwood Financial and its competitors. Norwood Financial's current Cyclically Adjusted Revenue per Share is $9.35. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Norwood Financial stock overvalued right now?
Based on GuruFocus' analysis, Norwood Financial (NWFL) is currently considered Fairly Valued. The stock's GF Value™ is $31.64, compared to a current price of $31.33 — trading 1% below its estimated fair value. The current Cyclically Adjusted Revenue per Share is $9.35. Norwood Financial's overall GF Score™ is 60/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Revenue per Share calculated?
Cyclically Adjusted Revenue per Share is calculated from a company's financial statements. For Norwood Financial (NWFL), the current Cyclically Adjusted Revenue per Share is $9.35 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Norwood Financial (NWFL) Overvalued in 2026?

Based on GuruFocus' analysis, Norwood Financial stock appears to be undervalued. The current stock price of $31.33 is trading 1% below its estimated GF Value™ of $31.64. GuruFocus considers Norwood Financial to be Fairly Valued.

Key valuation signals for NWFL:

  • Cyclically Adjusted Revenue per Share: $9.35
  • GF Value™: $31.64 vs. price of $31.33 (1% below fair value)
  • GF Score™: 60/100 with 4 warning signs

No single metric tells the full story. See the NWFL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Norwood Financial Business Description

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.
60GF Score

Get the complete analysis for NWFL

Cyclically Adjusted Revenue per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$31.33
Price
$31.64
GF Value