Norwood FinancialNWFL +4.57%59 EV-to-FCF is 12.65 as of Jun. 27, 2026, which is 9% below its 10-year median of 13.92. GuruFocus rates NWFL with a GF Score™ of 59/100 and a GF Value™ of $32.81 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,195 Banks companies, Norwood Financial ranks worse than 69.87% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Norwood Financial's Enterprise Value is $336.80 Mil.
Norwood Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $26.62 Mil. Therefore, Norwood Financial's EV-to-FCF for today is 12.65.
The historical rank and industry rank for Norwood Financial's EV-to-FCF or its related term are showing as below:
NWFL'
s EV-to-FCF Range Over the Past 10 Years
Min: 1.28 Med: 13.92 Max: 25.12
Current: 12.65
During the past 13 years, the highest EV-to-FCF of Norwood Financial was 25.12. The lowest was 1.28. And the median was 13.92.
NWFL's EV-to-FCF is ranked worse than 69.87% of 1195
companies
in the Banks industry
Industry Median: 6.52
vs NWFL: 12.65
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Norwood Financial's PE Ratio (TTM) for today is calculated as:
Norwood Financial's share price for today is $32.07.
Norwood Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $2.720.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Norwood Financial EV-to-FCF Related Terms
Norwood Financial EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Norwood Financial's EV-to-FCF 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.
For the Banks - Regional subindustry, Norwood Financial's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Norwood Financial's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Norwood Financial's EV-to-FCF falls into.
Norwood Financial's current Enterprise Value is $336.80 Mil.
Norwood Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $26.62 Mil.
* 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 (NWFL) has a EV-to-FCF of 12.65 as of Jun. 27, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Norwood Financial and its competitors. This is near median its historical median of 13.92. Over the past decade, Norwood Financial's EV-to-FCF has ranged from 1.28 to 25.12. According to the industry distribution chart, Norwood Financial ranks #835 out of 1195 companies in the Banks industry, placing it in the top 69.9%.
Is Norwood Financial's EV-to-FCF too high?
Norwood Financial's current EV-to-FCF of 12.65 is near median its 10-year median of 13.92. Over the past 10 years, this metric has ranged from a low of 1.28 to a high of 25.12. The Banks industry median EV-to-FCF is 6.52. Norwood Financial's value of 12.65 is 94% above this industry median. Based on the distribution chart, Norwood Financial ranks #835 out of 1195 companies in the Banks industry, which is below the industry midpoint. Overall, Norwood Financial has a GF Score™ of 59/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Norwood Financial's EV-to-FCF compare to FNLC and CHMG?
According to the Banks industry distribution chart, Norwood Financial ranks #835 out of 1195 companies for EV-to-FCF. This places Norwood Financial in the lower half of its industry. The industry median EV-to-FCF is 6.52. Norwood Financial's value of 12.65 is 94% above this benchmark. Historically, Norwood Financial's own EV-to-FCF has ranged from 1.28 to 25.12 over the past decade. While the company's 10-year median is 13.92 vs. the industry median of 6.52, Norwood Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.52, based on 1,195 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Norwood Financial's current EV-to-FCF of 12.65 is 94% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Norwood Financial and its competitors. For the Banks industry, the median EV-to-FCF is 6.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Norwood Financial's current EV-to-FCF is 12.65, which is near median its own 10-year median of 13.92. 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 $32.81, compared to a current price of $32.07 — trading 2.3% below its estimated fair value. The current EV-to-FCF is 12.65, which is near median its 10-year median of 13.92 and 94% above the Banks industry median of 6.52. Norwood Financial's overall GF Score™ is 59/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Norwood Financial (NWFL), the current EV-to-FCF is 12.65 as of Jun. 27, 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 $32.07 is trading 2.3% below its estimated GF Value™ of $32.81.
GuruFocus considers Norwood Financial to be Fairly Valued.
Key valuation signals for NWFL:
EV-to-FCF: 12.65 (near median its 10-year median of 13.92)
GF Value™: $32.81 vs. price of $32.07 (2.3% below fair value)
Industry Position: 94% above the Banks median (#835 of 1195)
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 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.
59GF Score
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