NWFL (Norwood Financial) Moat Score: 4/10 (As of Jul. 03, 2026)


NWFL Norwood Financial Corp NWFL
59 GF Score
Price $32.36
GF Value $32.87
Valuation Fairly Valued
! 4 Warning Signs
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What is Norwood Financial Moat Score?

Norwood Financial NWFL -1.17% 59 Moat Score is 4 as of Jul. 03, 2026. GuruFocus rates NWFL with a GF Score™ of 59/100 and a GF Value™ of $32.87 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,611 Banks companies, Norwood Financial ranks better than 86.22% on this metric.

Norwood Financial has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Norwood Financial has Narrow Moat: Norwood Financial Corp has a modest moat due to its regional market leadership and customer loyalty in community banking. However, it lacks significant network effects, intellectual property, or cost advantages that would elevate it to a stronger moat category.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Norwood Financial might have Narrow Moat - Discernible but modest moat.

Norwood Financial  (NAS:NWFL) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Norwood Financial Moat Score Related Terms

NWFL vs TSBK, CZFS, BCML: Moat Score Comparison

For the Banks - Regional subindustry, Norwood Financial's Moat Score, along with its competitors' market caps and Moat 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Norwood Financial's Moat Score distribution charts can be found below:

* The bar in red indicates where Norwood Financial's Moat Score falls into.


NWFL
59GF Score
Norwood Financial Corp NWFL
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Norwood Financial (NWFL) has a Moat Score of 4 as of Jul. 03, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Norwood Financial ranks #222 out of 1611 companies in the Banks industry, placing it in the top 13.8%.
Is Norwood Financial's Moat Score too high?
Norwood Financial's current Moat Score is 4. Based on the distribution chart, Norwood Financial ranks #222 out of 1611 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Moat Score compare to TSBK and CZFS?
According to the Banks industry distribution chart, Norwood Financial ranks #222 out of 1611 companies for Moat Score. This places Norwood Financial in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Norwood Financial's current Moat Score is 4. 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 $32.87, compared to a current price of $32.36 — trading 1.6% below its estimated fair value. The current Moat Score is 4. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Norwood Financial (NWFL), the current Moat Score is 4 as of Jul. 03, 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 $32.87. GuruFocus considers Norwood Financial to be Fairly Valued.

Key valuation signals for NWFL:

  • Moat Score: 4
  • GF Value™: $32.87 vs. price of $32.36 (1.6% below fair value)
  • GF Score™: 59/100 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.
59GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$32.36
Price
$32.87
GF Value