Norwood FinancialNWFL -0.23%59 FCF Margin % is 20.32% as of Mar. 2026, which is 45% below its 10-year median of 36.77. GuruFocus rates NWFL with a GF Score™ of 59/100 and a GF Value™ of $32.80 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,504 Banks companies, Norwood Financial ranks better than 52.73% on this metric.
The historical rank and industry rank for Norwood Financial's FCF Margin % or its related term are showing as below:
NWFL'
s FCF Margin % Range Over the Past 10 Years
Min: 22.4 Med: 36.77 Max: 40.48
Current: 28.02
During the past 13 years, the highest FCF Margin % of Norwood Financial was 40.48%. The lowest was 22.40%. And the median was 36.77%.
NWFL's FCF Margin % is ranked better than 52.73% of 1504
companies
in the Banks industry
Industry Median: 26.5
vs NWFL: 28.02
Norwood Financial FCF Margin % Related Terms
Norwood Financial FCF Margin % Historical Data
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The historical data trend for Norwood Financial's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Norwood Financial's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Norwood Financial's FCF Margin % falls into.
* 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 FCF Margin % of 20.32% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Norwood Financial and its competitors. This is 45% below median its historical median of 36.77. Over the past decade, Norwood Financial's FCF Margin % has ranged from 22.40 to 40.48. According to the industry distribution chart, Norwood Financial ranks #711 out of 1504 companies in the Banks industry, placing it in the top 47.3%.
Is Norwood Financial's FCF Margin % too high?
Norwood Financial's current FCF Margin % of 20.32% is 45% below median its 10-year median of 36.77. Over the past 10 years, this metric has ranged from a low of 22.40 to a high of 40.48. The Banks industry median FCF Margin % is 26.50. Norwood Financial's value of 20.32% is 23.3% below this industry median. Based on the distribution chart, Norwood Financial ranks #711 out of 1504 companies in the Banks industry, which is above 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 FCF Margin % compare to FNLC and CHMG?
According to the Banks industry distribution chart, Norwood Financial ranks #711 out of 1504 companies for FCF Margin %. This puts Norwood Financial in the upper half of its industry. The industry median FCF Margin % is 26.50. Norwood Financial's value of 20.32% is 23.3% below this benchmark. Historically, Norwood Financial's own FCF Margin % has ranged from 22.40 to 40.48 over the past decade. While the company's 10-year median is 36.77 vs. the industry median of 26.50, Norwood Financial has consistently been below 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.50, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Norwood Financial's current FCF Margin % of 20.32% is 23.3% below 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Norwood Financial and its competitors. For the Banks industry, the median FCF Margin % is 26.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Norwood Financial's current FCF Margin % is 20.32%, which is 45% below median its own 10-year median of 36.77. 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 $32.80, compared to a current price of $30.93 — trading 5.7% below its estimated fair value. The current FCF Margin % is 20.32%, which is 45% below median its 10-year median of 36.77 and 23.3% below the Banks industry median of 26.50. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Norwood Financial (NWFL), the current FCF Margin % is 20.32% 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 $30.93 is trading 5.7% below its estimated GF Value™ of $32.80.
GuruFocus considers Norwood Financial to be Fairly Valued.
Key valuation signals for NWFL:
FCF Margin %: 20.32% (45% below median its 10-year median of 36.77)
GF Value™: $32.80 vs. price of $30.93 (5.7% below fair value)
Industry Position: 23.3% below the Banks median (#711 of 1504)
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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