Norwood Financial has the GF Score of 59, which implies that the company
might have
Poor future performance potential.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes Norwood Financial
might have
Poor future performance potential.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
Norwood Financial (NAS:NWFL) GF Score Explanation
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
Norwood Financial GF Score Related Terms
NWFL vs TSBK, CZFS, BCML: GF Score Comparison
For the Banks - Regional subindustry, Norwood Financial's GF Score, along with its competitors' market caps and GF Score 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 GF Score vs Banks Industry
For the Banks industry and Financial Services sector, Norwood Financial's GF Score distribution charts can be found below:
* The bar in red indicates where Norwood Financial's GF Score falls into.
Norwood Financial (NWFL) has a GF Score of 59 as of Jul. 05, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Norwood Financial and its competitors. This is 17% below median its historical median of 71.00. Over the past decade, Norwood Financial's GF Score has ranged from 59.00 to 81.00.
Is Norwood Financial's GF Score too high?
Norwood Financial's current GF Score of 59 is 17% below median its 10-year median of 71.00. Over the past 10 years, this metric has ranged from a low of 59.00 to a high of 81.00. 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 GF Score compare to TSBK and CZFS?
Norwood Financial's GF Score of 59 can be compared against companies in the Banks industry. Historically, Norwood Financial's own GF Score has ranged from 59.00 to 81.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Banks company?
A good GF Score depends on the Banks industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Norwood Financial and its competitors. Norwood Financial's current GF Score is 59, which is 17% below median its own 10-year median of 71.00. 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 $32.88, compared to a current price of $32.36 — trading 1.6% below its estimated fair value. The current GF Score is 59, which is 17% below median its 10-year median of 71.00. 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 GF Score calculated?
GF Score is calculated from a company's financial statements. For Norwood Financial (NWFL), the current GF Score is 59 as of Jul. 05, 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 $32.36 is trading 1.6% below its estimated GF Value™ of $32.88.
GuruFocus considers Norwood Financial to be Fairly Valued.
Key valuation signals for NWFL:
GF Score: 59 (17% below median its 10-year median of 71.00)
GF Value™: $32.88 vs. price of $32.36 (1.6% below fair value)
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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