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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.
1995
271
LTM Revenue $80.0M
Last FY EBITDA n/a
$344M
Benchmark forward-looking revenue and EBITDA valuation multiples across generative AI, climate tech, semiconductors, online marketplaces, vertical SaaS and 220 more verticals.
Norwood Financial has a last 12-month revenue (LTM) of $80.0M and a last 12-month EBITDA of n/a.
In the most recent fiscal year, Norwood Financial achieved revenue of $51.0M and an EBITDA of n/a.
Norwood Financial expects next 12-month revenue of XXX and NTM EBITDA of XXX
See Norwood Financial valuation multiples based on analyst estimates| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Revenue | $80.0M | XXX | $51.0M | XXX | XXX | XXX |
| Gross Profit | n/a | XXX | n/a | XXX | XXX | XXX |
| Gross Margin | n/a | XXX | n/a | XXX | XXX | XXX |
| EBITDA | n/a | XXX | n/a | XXX | XXX | XXX |
| EBITDA Margin | n/a | XXX | n/a | XXX | XXX | XXX |
| EBIT | $30.3M | XXX | n/a | XXX | XXX | XXX |
| EBIT Margin | 38% | XXX | n/a | XXX | XXX | XXX |
| Net Profit | $15.4M | XXX | -$0.2M | XXX | XXX | XXX |
| Net Margin | 19% | XXX | 0% | XXX | XXX | XXX |
| Net Debt | XXX | XXX | $86.2M | XXX | XXX | XXX |
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As of August 15, 2025, Norwood Financial's stock price is $25.
Norwood Financial has current market cap of $232M, and EV of $344M.
See Norwood Financial trading valuation data| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $344M | $232M | XXX | XXX | XXX | XXX | $2.40 |
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Start Free TrialAs of August 15, 2025, Norwood Financial has market cap of $232M and EV of $344M.
Norwood Financial's trades at 6.7x EV/Revenue multiple, and n/a EV/EBITDA.
Equity research analysts estimate Norwood Financial's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
Norwood Financial has a P/E ratio of 15.1x.
See valuation multiples for Norwood Financial and 15K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $232M | XXX | $232M | XXX | XXX | XXX |
| EV (current) | $344M | XXX | $344M | XXX | XXX | XXX |
| EV/Revenue | 4.3x | XXX | 6.7x | XXX | XXX | XXX |
| EV/EBITDA | n/a | XXX | n/a | XXX | XXX | XXX |
| EV/EBIT | 11.4x | XXX | n/a | XXX | XXX | XXX |
| EV/Gross Profit | n/a | XXX | n/a | XXX | XXX | XXX |
| P/E | 15.1x | XXX | -1448.9x | XXX | XXX | XXX |
| EV/FCF | n/a | XXX | 17.5x | XXX | XXX | XXX |
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Access all public comps and forward-looking valuation multiples like EV/Revenue in 2025, based on equity research analyst estimates.
Start Free TrialNorwood Financial's last 12 month revenue growth is 26%
Norwood Financial's revenue per employee in the last FY averaged $0.2M, while opex per employee averaged n/a for the same period.
Norwood Financial's rule of 40 is unknown (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).
Norwood Financial's rule of X is unknown (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).
See operational valuation multiples for Norwood Financial and other 15K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Revenue Growth | 26% | XXX | 47% | XXX | XXX | XXX |
| EBITDA Margin | n/a | XXX | n/a | XXX | XXX | XXX |
| EBITDA Growth | n/a | XXX | n/a | XXX | XXX | XXX |
| Rule of 40 | n/a | XXX | n/a | XXX | XXX | XXX |
| Bessemer Rule of X | XXX | XXX | n/a | XXX | XXX | XXX |
| Revenue per Employee | XXX | XXX | $0.2M | XXX | XXX | XXX |
| Opex per Employee | XXX | XXX | n/a | XXX | XXX | XXX |
| S&M Expenses to Revenue | XXX | XXX | 2% | XXX | XXX | XXX |
| G&A Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| R&D Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| Opex to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
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Benchmark public comps and private revenue and EBITDA valuation multiples across GRC software, cloud infrastructure, DevOps, online marketplaces and so much more!
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| 2025E | 2026E | 2027E | 2025E | 2026E | 2027E | |
| Abu Dhabi Commercial Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| Abu Dhabi Islamic Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| First Abu Dhabi Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| Invest Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| National Bank of Fujairah | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc.
Norwood Financial acquired XXX companies to date.
Last acquisition by Norwood Financial was XXXXXXXX, XXXXX XXXXX XXXXXX . Norwood Financial acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX ).
See M&A valuation multiples| Acquired Company | EV | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
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Start Free Trial| When was Norwood Financial founded? | Norwood Financial was founded in 1995. |
| Where is Norwood Financial headquartered? | Norwood Financial is headquartered in United States of America. |
| How many employees does Norwood Financial have? | As of today, Norwood Financial has 271 employees. |
| Who is the CEO of Norwood Financial? | Norwood Financial's CEO is Mr. James O. Donnelly. |
| Is Norwood Financial publicy listed? | Yes, Norwood Financial is a public company listed on NAS. |
| What is the stock symbol of Norwood Financial? | Norwood Financial trades under NWFL ticker. |
| When did Norwood Financial go public? | Norwood Financial went public in 1996. |
| Who are competitors of Norwood Financial? | Similar companies to Norwood Financial include e.g. Abu Dhabi Commercial Bank, Abu Dhabi Islamic Bank, First Abu Dhabi Bank, Invest Bank. |
| What is the current market cap of Norwood Financial? | Norwood Financial's current market cap is $232M |
| What is the current revenue of Norwood Financial? | Norwood Financial's last 12 months revenue is $80.0M. |
| What is the current revenue growth of Norwood Financial? | Norwood Financial revenue growth (NTM/LTM) is 26%. |
| What is the current EV/Revenue multiple of Norwood Financial? | Current revenue multiple of Norwood Financial is 4.3x. |
| Is Norwood Financial profitable? | Yes, Norwood Financial is EBITDA-positive (as of the last 12 months). |
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