NWFL PEER ANALYSIS

Norwood Financial Corp — metric-by-metric comparison with peers and the industry median

NWFLNorwood Financial Corp

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

NWFLIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	NWFL	ISBTR	ICBCT	TSKB	NWG	ISATR	Ind. Median
P/E	11.02	—	15.35	2.98●	8.74	—	12.58
P/B	1.00	32,231.47	3.91	0.72●	1.34	294,240.03	1.26
EV/EBITDA	4.15	428,448.47	-9.42●	2.22	-8.72	3,913,015.14	9.12
P/S	—	—	—	—	—	—	—

Financial Health
Metric	NWFL	ISBTR	ICBCT	TSKB	NWG	ISATR	Ind. Median
Current Ratio	0.10	—	—	—	0.25●	—	0.31
Debt/Equity	31.1%	0.0%●	0.0%●	0.0%●	17.0%	0.0%●	38.0%
NetDebt/EBITDA	-4.09	-28.33	-20.34	-0.47	-14.68	-28.34●	-0.58

Profitability
Metric	NWFL	ISBTR	ICBCT	TSKB	NWG	ISATR	Ind. Median
Net Margin	19.1%	28.1%	24.7%	54.9%●	20.1%	28.1%	20.6%
ROE	10.2%	20.2%	28.9%●	27.4%	14.9%	20.2%	10.9%
ROA	1.0%	1.8%	1.1%	3.7%●	0.8%	1.8%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	NWFL	ISBTR	ICBCT	TSKB	NWG	ISATR	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	2,080.7%●	71.8%	—	-1.3%	16.0%	71.7%	19.4%
Div. Yield	3.9%	—	—	—	4.8%●	—	2.5%
Payout	47.1%	—	—	—	—	—	31.4%

Valuation
Metric	NWFL	FDBC	FCCO	OVLY	JMSB	FVCB	Ind. Median
P/E	11.02	9.80●	14.50	11.50	13.50	13.23	12.58
P/B	1.00●	1.19	1.36	1.33	1.13	1.18	1.26
EV/EBITDA	4.15	-0.48●	10.64	—	5.48	10.82	9.12
P/S	—	—	—	—	—	—	—

Financial Health
Metric	NWFL	FDBC	FCCO	OVLY	JMSB	FVCB	Ind. Median
Current Ratio	0.10	0.13	0.35	0.09	0.12	3.28●	0.31
Debt/Equity	31.1%	6.4%●	53.1%	—	31.9%	11.7%	38.0%
NetDebt/EBITDA	-4.09	-7.75●	2.28	—	-4.56	0.69	-0.58

Profitability
Metric	NWFL	FDBC	FCCO	OVLY	JMSB	FVCB	Ind. Median
Net Margin	19.1%	20.9%	18.0%	26.7%●	19.3%	19.0%	20.6%
ROE	10.2%	13.0%●	11.2%	12.3%	8.6%	9.3%	10.9%
ROA	1.0%	1.1%	0.9%	1.2%●	1.0%	1.0%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	NWFL	FDBC	FCCO	OVLY	JMSB	FVCB	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	2,080.7%●	36.5%	34.8%	-2.4%	27.1%	23.2%	19.4%
Div. Yield	3.9%●	3.1%	1.9%	2.0%	1.7%	1.4%	2.5%
Payout	47.1%	32.3%	24.6%	23.7%	24.6%	13.9%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 8, 26. This content is for informational purposes only and is not investment advice.