Norwood FinancialNWFL -1.17%59 PEG Ratio is 11.31 as of Jul. 03, 2026, which is 101% above its 10-year median of 5.63. 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 1,228 Banks companies, Norwood Financial ranks worse than 94.14% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for Norwood Financial's PEG Ratio or its related term are showing as below:
NWFL'
s PEG Ratio Range Over the Past 10 Years
Min: 1.01 Med: 5.63 Max: 76.27
Current: 11.31
During the past 13 years, Norwood Financial's highest PEG Ratio was 76.27. The lowest was 1.01. And the median was 5.63.
NWFL's PEG Ratio is ranked worse than 94.14% of 1228
companies
in the Banks industry
Industry Median: 1.53
vs NWFL: 11.31
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
Norwood Financial (NAS:NWFL) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
Norwood Financial PEG Ratio Related Terms
Norwood Financial PEG Ratio Historical Data
* Premium members only.
The historical data trend for Norwood Financial's PEG 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 PEG Ratio, along with its competitors' market caps and PEG 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 PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Norwood Financial's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Norwood Financial's PEG Ratio 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Norwood Financial (NWFL) has a PEG Ratio of 11.31 as of Jul. 03, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Norwood Financial and its competitors. This is 101% above median its historical median of 5.63. Over the past decade, Norwood Financial's PEG Ratio has ranged from 1.01 to 76.27. According to the industry distribution chart, Norwood Financial ranks #1156 out of 1228 companies in the Banks industry, placing it in the top 94.1%.
Is Norwood Financial's PEG Ratio too high?
Norwood Financial's current PEG Ratio of 11.31 is 101% above median its 10-year median of 5.63. Over the past 10 years, this metric has ranged from a low of 1.01 to a high of 76.27. The Banks industry median PEG Ratio is 1.53. Norwood Financial's value of 11.31 is 639.2% above this industry median. Based on the distribution chart, Norwood Financial ranks #1156 out of 1228 companies in the Banks industry, which is in the bottom quartile 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 PEG Ratio compare to TSBK and CZFS?
According to the Banks industry distribution chart, Norwood Financial ranks #1156 out of 1228 companies for PEG Ratio. This places Norwood Financial in the lower half of its industry. The industry median PEG Ratio is 1.53. Norwood Financial's value of 11.31 is 639.2% above this benchmark. Historically, Norwood Financial's own PEG Ratio has ranged from 1.01 to 76.27 over the past decade. While the company's 10-year median is 5.63 vs. the industry median of 1.53, 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.53, based on 1,228 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Norwood Financial's current PEG Ratio of 11.31 is 639.2% 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Norwood Financial and its competitors. For the Banks industry, the median PEG Ratio is 1.53 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Norwood Financial's current PEG Ratio is 11.31, which is 101% above median its own 10-year median of 5.63. 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 PEG Ratio is 11.31, which is 101% above median its 10-year median of 5.63 and 639.2% above the Banks industry median of 1.53. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Norwood Financial (NWFL), the current PEG Ratio is 11.31 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:
PEG Ratio: 11.31 (101% above median its 10-year median of 5.63)
GF Value™: $32.87 vs. price of $32.36 (1.6% below fair value)
Industry Position: 639.2% above the Banks median (#1156 of 1228)
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
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