NWFL (Norwood Financial) Scaled Net Operating Assets: 0.06 (As of Mar. 2026)


NWFL Norwood Financial Corp NWFL
59 GF Score
Price $32.34
GF Value $32.81
Valuation Fairly Valued
! 4 Warning Signs
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What is Norwood Financial Scaled Net Operating Assets?

Norwood Financial NWFL +0.67% 59 Scaled Net Operating Assets is 0.06 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Norwood Financial's operating assets for the quarter that ended in Mar. 2026 was $2,688.51 Mil. Norwood Financial's operating liabilities for the quarter that ended in Mar. 2026 was $2,545.05 Mil. Norwood Financial's Total Assets for the quarter that ended in Dec. 2025 was $2,424.84 Mil. Therefore, Norwood Financial's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.06.

NWFL
59GF Score
Norwood Financial Corp NWFL
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Norwood Financial Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Norwood Financial's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(2380.406-2108.552)/2317.462
=0.12

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=2424.842 - 44.436
=2380.406

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=2182.685 - 29.419 - 44.714
=2108.552

Norwood Financial's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(2688.508-2545.048)/2424.842
=0.06

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=2917.254 - 228.746
=2688.508

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=2633.316 - 88.268 - 0
=2545.048

* 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.

What does a Scaled Net Operating Assets of 0.06 mean?
Norwood Financial (NWFL) has a Scaled Net Operating Assets of 0.06 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Norwood Financial and its competitors.
Is Norwood Financial's Scaled Net Operating Assets too high?
Norwood Financial's current Scaled Net Operating Assets is 0.06. 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 Scaled Net Operating Assets compare to TSBK and CZFS?
Norwood Financial's Scaled Net Operating Assets of 0.06 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Norwood Financial and its competitors. Norwood Financial's current Scaled Net Operating Assets is 0.06. 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 Scaled Net Operating Assets is 0.06. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Norwood Financial (NWFL), the current Scaled Net Operating Assets is 0.06 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:

  • Scaled Net Operating Assets: 0.06
  • 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

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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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$32.34
Price
$32.81
GF Value