NWFL (Norwood Financial) Tariff Resilience Score: 9/10 (As of Jul. 07, 2026)


NWFL Norwood Financial Corp NWFL
60 GF Score
Price $32.05
GF Value $32.91
Valuation Fairly Valued
! 4 Warning Signs
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What is Norwood Financial Tariff Resilience Score?

Norwood Financial NWFL -0.54% 60 Tariff Resilience Score is 9 as of Jul. 07, 2026. GuruFocus rates NWFL with a GF Score™ of 60/100 and a GF Value™ of $32.91 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,607 Banks companies, Norwood Financial ranks better than 99.25% on this metric.

Norwood Financial has the Tariff Resilience Score of 9, which implies that the company might have Highly Resilient.

Norwood Financial has Norwood Financial Corp is a regional bank with no direct exposure to international trade tariffs. Its operations are primarily domestic, insulating it from tariff-related risks.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes Norwood Financial might have Highly Resilient.

Norwood Financial  (NAS:NWFL) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

Norwood Financial Tariff Resilience Score Related Terms

NWFL vs TSBK, CZFS, BCML: Tariff Resilience Score Comparison

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

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

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


NWFL
60GF Score
Norwood Financial Corp NWFL
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 9 mean?
Norwood Financial (NWFL) has a Tariff Resilience Score of 9 as of Jul. 07, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, Norwood Financial ranks #12 out of 1607 companies in the Banks industry, placing it in the top 0.7%.
Is Norwood Financial's Tariff Resilience Score too high?
Norwood Financial's current Tariff Resilience Score is 9. Based on the distribution chart, Norwood Financial ranks #12 out of 1607 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 60/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Norwood Financial's Tariff Resilience Score compare to TSBK and CZFS?
According to the Banks industry distribution chart, Norwood Financial ranks #12 out of 1607 companies for Tariff Resilience Score. This places Norwood Financial in the top 1% 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 Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. Norwood Financial's current Tariff Resilience Score is 9. 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 $32.91, compared to a current price of $32.05 — trading 2.6% below its estimated fair value. The current Tariff Resilience Score is 9. Norwood Financial's overall GF Score™ is 60/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For Norwood Financial (NWFL), the current Tariff Resilience Score is 9 as of Jul. 07, 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 $32.05 is trading 2.6% below its estimated GF Value™ of $32.91. GuruFocus considers Norwood Financial to be Fairly Valued.

Key valuation signals for NWFL:

  • Tariff Resilience Score: 9
  • GF Value™: $32.91 vs. price of $32.05 (2.6% below fair value)
  • GF Score™: 60/100 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.
60GF Score

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

$32.05
Price
$32.91
GF Value