SharesGrow 7-Criteria Score
All 7 criteria scored · valuation-related highlighted on this page
Norwood Financial Corp. (NWFL) trades at a trailing P/E of 10.3, forward P/E of 8.9. Trailing earnings yield is 9.75%, forward earnings yield 11.29%. PEG 0.59 (Peter Lynch undervalued ≤1.0). Graham Number is $42.44.
Criteria proven by this page:
- VALUE (74/100, Pass) — P/E is below market average (10.3); PEG ≤ 1.0 — Peter Lynch undervalued (0.59); earnings yield beats bond yields (9.75%).
- Forward P/E 8.9 (down from trailing 10.3) — analysts expect earnings to grow, which would improve the valuation.
- PEG Ratio 0.59 — below 1.0 suggests the stock is undervalued relative to its earnings growth rate (Peter Lynch criterion).
- Trailing Earnings Yield 9.75% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income. Forward yield improves to 11.29% as earnings recover.
- Analyst consensus target $33.00 (+7% upside) — modest upside expected.
Overall SharesGrow Score: 68/100 with 3/7 criteria passed.
SharesGrow 7-Criteria Score
✓
VALUE
74/100
Price-to-Earnings & upside
Proven by this page
~
HEALTH
67/100
Debt-to-Equity & liquidity
→ Health
Valuation Snapshot — NWFL
Valuation Multiples
P/E (TTM)10.3
Forward P/E8.9
PEG Ratio0.59
Forward PEG0.59
P/B Ratio1.18
P/S Ratio2.11
EV/EBITDA9.0
Per Share Data
EPS (TTM)$3.03
Forward EPS (Est.)$3.48
Book Value / Share$26.43
Revenue / Share$14.86
FCF / Share$3.32
Yields & Fair Value
Earnings Yield9.75%
Forward Earnings Yield11.29%
Dividend Yield4.02%
Graham Number$42.44
SharesGrow IV$63.92 (+107.2%)
Analyst Target$33.00 (+7%)
Historical Valuation
| Year |
P/E (TTM) |
PEG Ratio |
P/B Ratio |
P/S Ratio |
Dividend Yield |
| 2016 |
19.0 |
2.26 |
1.15 |
3.41 |
3.69% |
| 2017 |
25.0 |
1.81 |
1.77 |
4.47 |
2.63% |
| 2018 |
15.1 |
0.23 |
1.68 |
4.15 |
2.68% |
| 2019 |
17.1 |
4.69 |
1.77 |
4.50 |
2.48% |
| 2020 |
12.5 |
-1.58 |
0.97 |
2.85 |
3.85% |
| 2021 |
8.5 |
0.19 |
1.04 |
2.68 |
4.02% |
| 2022 |
9.3 |
0.53 |
1.63 |
3.18 |
3.37% |
| 2023 |
15.8 |
-0.38 |
1.46 |
2.56 |
3.55% |
| 2024 |
-1,360.5 |
13.48 |
1.02 |
2.15 |
4.46% |
| 2025 |
9.3 |
0.00 |
1.06 |
1.89 |
4.47% |
P/E Ratio & Earnings Yield
Earnings Per Share (EPS) History
| Year |
EPS (Diluted) |
Revenue |
Net Income |
Net Margin |
| 2016 |
$1.15 |
$37.42M |
$6.71M |
17.9% |
| 2017 |
$1.31 |
$45.9M |
$8.2M |
17.9% |
| 2018 |
$2.17 |
$49.56M |
$13.65M |
27.5% |
| 2019 |
$2.24 |
$54.06M |
$14.22M |
26.3% |
| 2020 |
$2.09 |
$66.24M |
$15.08M |
22.8% |
| 2021 |
$3.04 |
$79.43M |
$24.92M |
31.4% |
| 2022 |
$3.58 |
$85.6M |
$29.23M |
34.2% |
| 2023 |
$2.07 |
$103.66M |
$16.76M |
16.2% |
| 2024 |
$-0.02 |
$101.43M |
$-160K |
-0.2% |
| 2025 |
$3.03 |
$136.14M |
$27.75M |
20.4% |
Analyst Estimates
| Year |
EPS (Avg) |
EPS Range |
Revenue (Avg) |
Revenue Range |
Analysts |
| 2026 |
$3.50 |
$3.50 – $3.50 |
$113.5M |
$113.5M – $113.5M |
1 |
| 2027 |
$3.68 |
$3.68 – $3.68 |
$119.8M |
$119.8M – $119.8M |
1 |
