NWFL (Norwood Financial) ROE % Adjusted to Book Value: 5.02% (As of Mar. 2026)

What is Norwood Financial ROE % Adjusted to Book Value?

Norwood Financial NWFL +0.67% 59 ROE % Adjusted to Book Value is 5.02% as of Mar. 2026. GuruFocus rates NWFL with a GF Score™ of 59/100 and a GF Value™ of $32.81 (Fairly Valued). The stock has 4 warning signs investors should review.

Norwood Financial's ROE % for the quarter that ended in Mar. 2026 was 5.67%. Norwood Financial's PB Ratio for the quarter that ended in Mar. 2026 was 1.13. Norwood Financial's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 5.02%.

Norwood Financial ROE % Adjusted to Book Value Related Terms

Norwood Financial ROE % Adjusted to Book Value Historical Data

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The historical data trend for Norwood Financial's ROE % Adjusted to Book Value 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.

Norwood Financial ROE % Adjusted to Book Value Chart

Norwood Financial Annual Data

Trend

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Dec25

ROE % Adjusted to Book Value

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11.98

9.63

6.55

-0.07

11.28

Norwood Financial Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
ROE % Adjusted to Book Value	Get a 7-Day Free Trial															10.53	10.50	14.48	11.56	5.02

NWFL vs TSBK, CZFS, BCML: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, Norwood Financial's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, Norwood Financial's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Norwood Financial's ROE % Adjusted to Book Value falls into.

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59GF Score

Norwood Financial Corp NWFL

ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.

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Norwood Financial ROE % Adjusted to Book Value Calculation

Norwood Financial's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value	=	ROE %	/	PB Ratio
	=	12.18%	/	1.08
	=	11.28%

Norwood Financial's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value	=	ROE %	/	PB Ratio
	=	5.67%	/	1.13
	=	5.02%

Frequently Asked Questions Learn more about ROE % Adjusted to Book Value →

What does a ROE % Adjusted to Book Value of 5.02% mean?

Norwood Financial (NWFL) has a ROE % Adjusted to Book Value of 5.02% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Norwood Financial and its competitors.

Is Norwood Financial's ROE % Adjusted to Book Value too high?

Norwood Financial's current ROE % Adjusted to Book Value is 5.02%. 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 ROE % Adjusted to Book Value compare to TSBK and CZFS?

Norwood Financial's ROE % Adjusted to Book Value of 5.02% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good ROE % Adjusted to Book Value for a Banks company?

A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?

A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Norwood Financial and its competitors. Norwood Financial's current ROE % Adjusted to Book Value is 5.02%. 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 $32.81, compared to a current price of $32.34 — trading 1.4% below its estimated fair value. The current ROE % Adjusted to Book Value is 5.02%. 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 ROE % Adjusted to Book Value calculated?

ROE % Adjusted to Book Value is calculated from a company's financial statements. For Norwood Financial (NWFL), the current ROE % Adjusted to Book Value is 5.02% 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 $32.34 is trading 1.4% below its estimated GF Value™ of $32.81. GuruFocus considers Norwood Financial to be Fairly Valued.

Key valuation signals for NWFL:

ROE % Adjusted to Book Value: 5.02%
GF Value™: $32.81 vs. price of $32.34 (1.4% 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

Industry Financial Services Banks

Comparable Companies TSBK CZFS BCML AVBH CHMG WSBF BFCC USCB MVBF COSO SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Address 717 Main Street, P.O. Box 269, Honesdale, PA, USA, 18431

Website https://www.wayne.bank

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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ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$32.34

Price

$32.81

GF Value

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