Norwood FinancialNWFL 59 PB Ratio is 1.19 as of Jun. 25, 2026, which is 2% below its 10-year median of 1.22. 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 1,515 Banks companies, Norwood Financial ranks worse than 57.89% on this metric.
Norwood Financial Corp stock PB Ratio (=1.19) is close to 2-year high of 1.32.
The historical rank and industry rank for Norwood Financial's PB Ratio or its related term are showing as below:
NWFL'
s PB Ratio Range Over the Past 10 Years
Min: 0.93 Med: 1.22 Max: 2.14
Current: 1.19
During the past 13 years, Norwood Financial's highest PB Ratio was 2.14. The lowest was 0.93. And the median was 1.22.
NWFL's PB Ratio is ranked worse than 57.89% of 1515
companies
in the Banks industry
Industry Median: 1.08
vs NWFL: 1.19
During the past 12 months, Norwood Financial's average Book Value Per Share Growth Rate was 9.40% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 8.40% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 0.90% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 3.40% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Norwood Financial was 34.30% per year. The lowest was -2.70% per year. And the median was 6.95% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Norwood Financial PB Ratio Related Terms
Norwood Financial PB Ratio Historical Data
* Premium members only.
The historical data trend for Norwood Financial's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Norwood Financial's PB Ratio distribution charts can be found below:
* The bar in red indicates where Norwood Financial's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Norwood Financial (NWFL) has a PB Ratio of 1.19 as of Jun. 25, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Norwood Financial and its competitors. This is near median its historical median of 1.22. Over the past decade, Norwood Financial's PB Ratio has ranged from 0.93 to 2.14. According to the industry distribution chart, Norwood Financial ranks #877 out of 1515 companies in the Banks industry, placing it in the top 57.9%.
Is Norwood Financial's PB Ratio too high?
Norwood Financial's current PB Ratio of 1.19 is near median its 10-year median of 1.22. Over the past 10 years, this metric has ranged from a low of 0.93 to a high of 2.14. The Banks industry median PB Ratio is 1.08. Norwood Financial's value of 1.19 is 10.2% above this industry median. Based on the distribution chart, Norwood Financial ranks #877 out of 1515 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 PB Ratio compare to FNLC and CHMG?
According to the Banks industry distribution chart, Norwood Financial ranks #877 out of 1515 companies for PB Ratio. This places Norwood Financial in the lower half of its industry. The industry median PB Ratio is 1.08. Norwood Financial's value of 1.19 is 10.2% above this benchmark. Historically, Norwood Financial's own PB Ratio has ranged from 0.93 to 2.14 over the past decade. While the company's 10-year median is 1.22 vs. the industry median of 1.08, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.08, based on 1,515 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Norwood Financial's current PB Ratio of 1.19 is 10.2% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Norwood Financial and its competitors. For the Banks industry, the median PB Ratio is 1.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Norwood Financial's current PB Ratio is 1.19, which is near median its own 10-year median of 1.22. 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 $31.00 — trading 5.5% below its estimated fair value. The current PB Ratio is 1.19, which is near median its 10-year median of 1.22 and 10.2% above the Banks industry median of 1.08. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Norwood Financial (NWFL), the current PB Ratio is 1.19 as of Jun. 25, 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 $31.00 is trading 5.5% below its estimated GF Value™ of $32.80.
GuruFocus considers Norwood Financial to be Fairly Valued.
Key valuation signals for NWFL:
PB Ratio: 1.19 (near median its 10-year median of 1.22)
GF Value™: $32.80 vs. price of $31.00 (5.5% below fair value)
Industry Position: 10.2% above the Banks median (#877 of 1515)
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
Get the complete analysis for NWFL
PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
NWFL has been successfully added to your 
