NWFL
Norwood Financial
PE ratio, current and historical analysis
- Stocks
- Financial Services
- NASDAQ: NWFL
- PE Ratio
The PE ratio for Norwood Financial stock stands at 11.48 as of Jun 23, 2026. This is calculated based on the current EPS of $2.7 and the stock price of $31 per share. A decrease of 75% has been seen in the P/E ratio compared to the average of 46.0 of the last 4 quarters.
NWFL PE ratio history
Over the last ten years, the average PE ratio of Norwood Financial has been 27.95. The current 11.48 PE ratio is 59% below the historical average. Over the past ten years, NWFL's PE ratio was at its highest in the Mar 2025 quarter at 402.83, with a price of $24.17 and an EPS of $0.06. The Jun 2022 quarter recorded the bottom point at 7.18, with a price of $24.26 and an EPS of $3.38.
Norwood Financial PE ratio by year
Maximum annual increase: 69.92% in 2023
Maximum annual decrease: -39.72% in 2018
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2025 | 9.32 | N/A | $28.05 | $3.01 |
| 2024 | N/A | N/A | $27.21 | -$0.02 |
| 2023 | 15.82 | 69.92% | $32.91 | $2.08 |
| 2022 | 9.31 | 9.27% | $33.44 | $3.59 |
| 2021 | 8.52 | -31.95% | $25.99 | $3.05 |
| 2020 | 12.52 | -26.95% | $26.17 | $2.09 |
| 2019 | 17.14 | 13.74% | $38.9 | $2.27 |
| 2018 | 15.07 | -39.72% | $33 | $2.19 |
| 2017 | 25 | 31.23% | $33 | $1.32 |
| 2016 | 19.05 | 6.37% | $22.09 | $1.16 |
| 2015 | 17.91 | 29.5% | $19.17 | $1.07 |
| 2014 | 13.83 | 19.53% | $19.37 | $1.4 |
| 2013 | 11.57 | -0.52% | $17.93 | $1.55 |
| 2012 | 11.63 | 1.31% | $18.03 | $1.55 |
| 2011 | 11.48 | 9.86% | $16.65 | $1.45 |
Norwood Financial PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2026 | 10.9 | 16.95% | $29.42 | $2.7 |
| Dec 2025 | 9.32 | -77.27% | $28.05 | $3.01 |
| Sep 2025 | 41 | -66.6% | $25.42 | $0.62 |
| Jun 2025 | 122.76 | -69.53% | $25.78 | $0.21 |
| Mar 2025 | 402.83 | N/A | $24.17 | $0.06 |
| Dec 2024 | N/A | N/A | $27.21 | -$0.02 |
| Sep 2024 | 17.24 | 10.73% | $27.58 | $1.6 |
| Jun 2024 | 15.57 | 9.88% | $25.38 | $1.63 |
| Mar 2024 | 14.17 | -10.43% | $27.21 | $1.92 |
| Dec 2023 | 15.82 | 78.76% | $32.91 | $2.08 |
| Sep 2023 | 8.85 | 1.84% | $25.76 | $2.91 |
| Jun 2023 | 8.69 | 1.28% | $29.53 | $3.4 |
| Mar 2023 | 8.58 | -7.84% | $29.42 | $3.43 |
| Dec 2022 | 9.31 | 23.64% | $33.44 | $3.59 |
| Sep 2022 | 7.53 | 4.87% | $26.58 | $3.53 |
NWFL Price vs fair value
NWFL average PE ratio chart
What this chart measures
The Historical Valuation Regime chart shows where the stock's current valuation sits relative to its own historical valuation range over the selected lookback period.
This is a history-relative tool, not a market-relative percentile. It does not compare the stock to other companies. Instead, it compares each historical valuation reading to the stock's own past readings.
Percentile logic
The threshold lines are calculated them from the stock's real historical values using percentile interpolation. That is why some colored bands are narrow while others are wide: the band widths reflect how the stock actually traded through time.
Regime map
| Historical percentile | Regime | Chart meaning |
|---|---|---|
| 0-10 | Historically Low | Deep cheap zone |
| >10-25 | Below Average | Cheap relative to history |
| >25-75 | Average | Within the normal historical range |
| >75-90 | Above Average | Expensive relative to history |
| >90-100 | Historically High | Extreme or stretched valuation |
How to read each part
| Chart element | What it tells you |
|---|---|
| Main line | The actual historical valuation values over time for the selected metric. |
| Dashed horizontal lines | The stock's computed P10, P25, Median, P75, and P90 thresholds for the selected period. |
| Colored bands | The historical valuation zones between those thresholds. |
| Metric boxes | Current ratio, historical median, current percentile, and current regime. |
| Timeline strip | A condensed regime history showing how the stock moved between cheap, fair, and expensive states across each observation. |
Important metric definitions
Current Percentile is the percentile rank of the latest valid historical observation within the selected lookback range.
Current Regime is assigned directly from the latest observation's percentile bucket using the fixed 10 / 25 / 75 / 90 cutoffs shown above.
How to use it well
This chart is most useful for answering a narrow question: Is this stock trading high, low, or normal relative to its own history? It works best alongside growth, profitability, and forward-looking business analysis, because a stock can deserve a higher or lower regime if its business quality has changed.
The current PE ratio of NWFL is below the 3, 5 and 10-year averages.
PE comparison
With a P/E of 11.48, NWFL is below the Financial Services sector, the industry and its peers average. Compared to its Financial Services sector average of 12.95, Norwood Financial's P/E is 11% lower.
NWFL PE vs peers
NWFL's PE ratio is lower than its peer stocks STBA and UVSP, but it is greater than CUBI's and CCNE's. Norwood Financial's current PE ratio of 11.48 is below the average of its peers, which is 12.94.
| Stock name | PE ratio | Market cap |
|---|---|---|
| ORRF Orrstown Financial Services Inc | 9.03 | $781M |
| CUBI Customers Bancorp Inc | 9.51 | $2.63B |
| CCNE Cnb Financial Corp | 11.21 | $979.54M |
| NWFL Norwood Financial Corp | 11.48 | $337.61M |
| ACNB Acnb Corp | 11.9 | $595.26M |
| UVSP UNIVEST FINANCIAL Corp | 12.8 | $1.19B |
| STBA S&T Bancorp Inc | 13.45 | $1.73B |
| MPB Mid Penn Bancorp Inc | 15.18 | $861.73M |
| CZNC Citizens & Northern Corp | 20.45 | $395.78M |
Frequently asked questions
What is Norwood Financial's PE ratio?
The price to earnings ratio for NWFL stock as of Jun 23, 2026, stands at 11.48.
What is the 3-year average PE ratio for Norwood Financial (NWFL)?
Over the last 3 years, the average price to earnings ratio for NWFL stock is 60.65.
What is the 5-year average PE ratio for Norwood Financial (NWFL)?
Over the last 5 years, the average price to earnings ratio for NWFL stock is 38.71.
What is the highest PE ratio for NWFL?
The highest quarterly PE ratio in the last ten years has been 402.83 and it was in the Mar 2025 quarter.
How does the current PE ratio for NWFL compare to its historical average?
The current price to earnings ratio of NWFL is 59% lower than the 10-year historical average.
How is NWFL's PE ratio calculated (Norwood Financial PE ratio formula)?
The PE ratio is calculated by taking the latest stock price and dividing it by the EPS for the last 12 months. As of today (Jun 23, 2026), Norwood Financial's stock price is $31. The earnings per share for the trailing twelve months (TTM) ending Mar 2026 is $2.7. Therefore, Norwood Financial's P/E ratio for today is 11.48. PE RATIO(11.48) = STOCK PRICE($31) / TTM EPS($2.7)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.