NWFL (Norwood Financial) Total Payout Ratio: 0.44 (As of Aug. 19, 2026)

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NWFL Norwood Financial Corp NWFL
60 GF Score
Price $34.06
GF Value $33.48
Valuation Fairly Valued
! 4 Warning Signs
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What is Norwood Financial Total Payout Ratio?

Norwood Financial NWFL -0.84% 60 Total Payout Ratio is 0.44 as of Aug. 19, 2026. GuruFocus rates NWFL with a GF Score™ of 60/100 and a GF Value™ of $33.48 (Fairly Valued). The stock has 4 warning signs investors should review.

Total Payout Ratio is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Net Income.

Norwood Financial's current Total Payout Ratio is 0.44.


Norwood Financial Total Payout Ratio Related Terms


Norwood Financial Total Payout Ratio Historical Data

* Premium members only.

The historical data trend for Norwood Financial's Total Payout 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.

Norwood Financial Total Payout Ratio Chart

Norwood Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Total Payout Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.40 0.40 0.75 110.59 0.43

Norwood Financial Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Total Payout Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.46 0.35 0.39 0.90 0.37

NWFL vs CZFS, AVBH, WSBF: Total Payout Ratio Comparison

For the Banks - Regional subindustry, Norwood Financial's Total Payout Ratio, along with its competitors' market caps and Total Payout 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 Total Payout Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Norwood Financial's Total Payout Ratio distribution charts can be found below:

* The bar in red indicates where Norwood Financial's Total Payout Ratio falls into.


NWFL
60GF Score
Norwood Financial Corp NWFL
Total Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Norwood Financial Total Payout Ratio Calculation

Total Payout Ratio is a measurement showing the proportion of earnings a company pays shareholders in the form of dividends and net stock repurchases.

Norwood Financial's Total Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Total Payout Ratio=- (Repurchase of Stock + Issuance of Stock + Cash Flow for Dividends) / Net Income
=- (-0.361 + 0 + -11.489) / 27.755
=0.43

Norwood Financial's Total Payout Ratio for the quarter that ended in Jun. 2026 is calculated as

Total Payout Ratio=- (Repurchase of Stock + Issuance of Stock + Cash Flow for Dividends) / Net Income
=- (-0.001 + 0 + -3.485) / 9.328
=0.37

* 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.

Frequently Asked Questions Learn more about Total Payout Ratio →
What does a Total Payout Ratio of 0.44 mean?
Norwood Financial (NWFL) has a Total Payout Ratio of 0.44 as of Aug. 19, 2026. Total Payout Ratio is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Net Income. View historical data on Norwood Financial and its competitors.
Is Norwood Financial's Total Payout Ratio too high?
Norwood Financial's current Total Payout Ratio is 0.44. 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 Total Payout Ratio compare to CZFS and AVBH?
Norwood Financial's Total Payout Ratio of 0.44 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 Total Payout Ratio for a Banks company?
A good Total Payout Ratio depends on the Banks industry context. However, Total Payout Ratio 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 Total Payout Ratio mean?
A high Total Payout Ratio can signal that a stock is expensive relative to its fundamentals. Total Payout Ratio is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Net Income. View historical data on Norwood Financial and its competitors. Norwood Financial's current Total Payout Ratio is 0.44. 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 $33.48, compared to a current price of $34.06 — trading 1.7% above its estimated fair value. The current Total Payout Ratio is 0.44. 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 Total Payout Ratio calculated?
Total Payout Ratio is calculated from a company's financial statements. For Norwood Financial (NWFL), the current Total Payout Ratio is 0.44 as of Aug. 19, 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 overvalued. The current stock price of $34.06 is trading 1.7% above its estimated GF Value™ of $33.48. GuruFocus considers Norwood Financial to be Fairly Valued.

Key valuation signals for NWFL:

  • Total Payout Ratio: 0.44
  • GF Value™: $33.48 vs. price of $34.06 (1.7% above 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

Get the complete analysis for NWFL

Total Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$34.06
Price
$33.48
GF Value