NWFL Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range

03
Price $33.70
Market Cap (MRQ) $377M
P/E (TTM) 11.5
EPS (TTM) $2.92
Revenue (TTM) $9M
Div Yield 3.0%
ROE (TTM) 11.2%
Debt/Equity 0.1
52W Range $24–$35

NWFL Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view

04
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Stock splits 4
Ex-date Split Type
Sept. 18, 2017 3-for-2 Forward
May 13, 2013 11-for-10 Forward
May 10, 2006 21-for-20 Forward
June 17, 2003 3-for-2 Forward

10-Year Performance Revenue, net income, margins and EPS trends

06
Revenue$8M
2018-12-31 → 2025-12-31
EPS$3.01
2016-12-31 → 2025-12-31
Free Cash Flow$29M
2016-12-31 → 2025-12-31
Net margin338.1%
2016-12-31 → 2025-12-31
Valuation & Ratios 07–12

Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?

Metric 5Y trend NWFL 5Y avg Peer Median Verdict
P/E (TTM) 11.55Y avg ≈-263.5 ≈-263.5 9.6 Overvalued
P/S (TTM) 44.25Y avg ≈34.6 ≈34.6 3.9 Overvalued
P/B (MRQ) 1.35Y avg ≈1.4 ≈1.4 1.1 Fair value
Price / FCF (TTM) 12.65Y avg ≈10.4 ≈10.4 · ·
Price / Cash Flow (TTM) 11.45Y avg ≈9.3 ≈9.3 8.0 Fair value
Price / Tangible Book (MRQ) 1.35Y avg ≈1.5 ≈1.5 · ·
PEG Ratio ≈1.5 · · ·

Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.

value · ≈ 5Y avg · industry median · verdict relative to median

Dividends Yield, payout ratio, dividend history, 5Y CAGR

13
Dividend Yield3.0%
Payout Ratio41.4%
Annualized Payout≈$1.28Paid quarterly
5Y Div CAGR≈4.4%Per share, split-adjusted
Growth Streak≈25Consecutive years of dividend growth
Ex-dateAmountCurrencyYield
Jul 15, 2026$0.32USD≈4.1%
Apr 15, 2026$0.32USD≈4.1%
Jan 15, 2026$0.32USD≈4.4%
Oct 15, 2025$0.31USD≈5.0%
Jul 15, 2025$0.31USD≈5.0%
Apr 15, 2025$0.31USD≈5.4%
Jan 15, 2025$0.31USD≈4.5%
Oct 18, 2024$0.30USD≈4.2%
Jul 15, 2024$0.30USD≈4.4%
Apr 12, 2024$0.30USD≈5.0%
Jan 11, 2024$0.30USD≈4.0%
Oct 12, 2023$0.29USD≈4.5%
Jul 13, 2023$0.29USD≈3.9%
Apr 13, 2023$0.29USD≈4.2%
Jan 12, 2023$0.29USD≈3.3%
Oct 13, 2022$0.28USD≈4.1%
Jul 14, 2022$0.28USD≈4.5%
Apr 13, 2022$0.28USD≈3.8%
Jan 13, 2022$0.28USD≈3.8%
Oct 14, 2021$0.26USD≈4.1%

Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date

14
Avg Surprise 11.2%
Next Report Oct 20, 2026
PeriodReportEPS ActualEPS EstSurprise
June 30, 2026 Jul 20, 2026 $0.86 $0.88 -2.5%
March 31, 2026 $0.72 $0.49 47.1%
Dec. 31, 2025 $0.80 $0.86 -7.3%
Sept. 30, 2025 $0.89 $0.71 25.2%
June 30, 2025 $0.67 $0.67 -0.01%
March 31, 2025 $0.63 $0.60 4.7%

Full Fundamentals All metrics by year — income statement, balance sheet, cash flow

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Income Statement 10
Metric Trend 20252024202320222021202020192018
Revenue $8M$7M$7M$9M$7M$6M$5M$6M
Interest Expense ··$33M$7M$6M$8M$9M$6M
Interest Income $127M$113M$96M$76M$71M$58M$47M$42M
Pretax Income $35M$-258.0K$21M$36M$31M$18M$17M$16M
Income Tax $7M$-98.0K$4M$7M$6M$3M$3M$3M
Net Income $28M$-160.0K$17M$29M$25M$15M$14M$14M
EPS (Basic) $3.01$-0.02$2.08$3.59$3.05$2.09$2.27$2.19
EPS (Diluted) $3.01$-0.02$2.07$3.58$3.04$2.09$2.25$2.17
Shares (Basic) 9,231,0008,093,0008,062,0008,137,0008,178,0007,203,0006,260,0006,232,000
Shares (Diluted) 9,235,0008,093,0008,084,0008,177,0008,199,0007,230,0006,332,0006,290,000
Balance Sheet 18
Metric Trend 20252024202320222021202020192018
Cash & Equivalents ·······$18M
PP&E (Net) $23M$20M$18M$18M$17M$18M$14M$14M
PP&E (Gross) $46M$41M$38M$38M$36M$35M$29M$28M
Accum. Depreciation $23M$22M$20M$20M$19M$17M$15M$14M
Goodwill $29M$29M$29M$29M$29M$29M$11M$11M
Intangibles $98.0K$152.0K$221.0K$306.0K$407.0K$530.0K$235.0K$336.0K
Total Assets $2.42B$2.32B$2.20B$2.05B$2.07B$1.85B$1.23B$1.18B
Short-term Debt $15M$113M$74M$93M$61M$63M$62M$53M
Total Liabilities $2.18B$2.10B$2.02B$1.88B$1.86B$1.66B$1.09B$1.06B
Total Debt $15M$113M$74M$93M·$63M$62M$53M
Common Stock $952.0K$949.0K$831.0K$829.0K$827.0K$824.0K$634.0K$630.0K
Paid-in Capital $127M$127M$98M$97M$96M$95M$49M$48M
Retained Earnings $141M$125M$135M$130M$110M$94M$87M$78M
Treasury Stock $6M$6M$5M$3M$2M$342.0K$400.0K$81.0K
AOCI $-21M$-33M$-47M$-57M$-256.0K$5M$1M$-5M
Stockholders' Equity $242M$214M$181M$167M$205M$195M$137M$122M
Liabilities + Equity $2.42B$2.32B$2.20B$2.05B$2.07B$1.85B$1.23B$1.18B
Shares Outstanding 9,516,5039,487,0688,310,8478,291,4018,266,7518,236,3316,340,5636,295,113
Cash Flow 14
Metric Trend 20252024202320222021202020192018
Deferred Tax $-94.0K$-125.0K$583.0K$419.0K$-383.0K$850.0K$988.0K$24.0K
Amort. of Intangibles $54.0K$69.0K$85.0K$101.0K$123.0K$114.0K$101.0K$126.0K
Operating Cash Flow $34M$23M$30M$31M$29M$14M$18M$17M
CapEx $5M$3M$1M$2M$1M$749.0K$2M$873.0K
Investing Cash Flow $-129M$-115M$-117M$-208M$-131M$-61M$-40M$-55M
Stock Issued ·$28M······
Stock Repurchased $361.0K$703.0K$3M$3M$1M$108.0K$428.0K$194.0K
Net Stock Activity $-361.0K$27M$-3M$-3M·$-108.0K$-428.0K$-194.0K
Dividends Paid $11M$10M$9M$9M$9M$7M$6M$6M
Financing Cash Flow $67M$99M$121M$2M$197M$144M$18M$39M
Net Change in Cash ·······$2M
Taxes Paid $3M$3M$5M$7M$5M$3M$2M$2M
Free Cash Flow $29M$20M$28M$29M·$13M$17M$16M
Levered FCF ··$2M$23M·$6M$9M$12M
Profitability 4
Metric Trend 20252024202320222021202020192018
Net Margin 347.0%-2.2%234.8%333.7%·242.9%260.9%241.1%
Pretax Margin 437.8%-3.5%296.3%415.3%·295.8%308.8%286.1%
ROA 1.2%-0.01%0.79%1.4%·0.98%1.2%1.2%
ROE 11.9%-0.08%9.7%17.9%·7.8%10.4%11.4%
Liquidity & Solvency 1
Metric Trend 20252024202320222021202020192018
Debt / Equity 0.10.50.40.6·0.30.50.4
Efficiency 1
Metric Trend 20252024202320222021202020192018
Asset Turnover 0.00.00.00.0·0.00.00.0
Per Share 6
Metric Trend 20252024202320222021202020192018
Book Value / Share $25.45$22.51$21.79$20.15·$23.65$21.67$19.43
Revenue / Share $0.87$0.91$0.88$1.07·$0.86$0.86$0.90
Cash Flow / Share $3.68$2.82$3.69$3.76·$1.91$2.91$2.75
Cash / Share ·······$2.91
Dividend / Share $1.25$1.21$1.17$1.17$1.06$1.01$0.97$0.90
EPS (TTM) $3.01$-0.02$2.07$3.58$3.04$2.09$2.25$2.17
Growth Rates 10
Metric Trend 20252024202320222021202020192018
Revenue YoY 8.1%3.7%-18.6%24.8%13.1%···
Revenue CAGR 3Y -3.0%1.8%4.8%·····
Revenue CAGR 5Y 5.2%·······
EPS YoY ··-42.2%17.8%45.5%···
EPS CAGR 3Y -5.6%·-0.32%·····
EPS CAGR 5Y 7.6%·······
Net Income YoY ··-42.7%17.3%65.2%···
Net Income CAGR 3Y -1.7%·3.6%·····
Net Income CAGR 5Y 13.0%·······
Dividends Paid CAGR 5Y 9.6%·······
Valuation (TTM) 16
Metric Trend 20252024202320222021202020192018
Revenue TTM $8M$7M$7M$9M$7M$6M$5M$6M
Net Income TTM $28M$-160.0K$17M$29M$25M$15M$14M$14M
Market Cap $267M$258M$274M$277M·$216M$247M$208M
Enterprise Value ·······$242M
P/E 9.3-1360.515.99.38.512.517.315.2
P/S 33.434.938.331.6·34.745.336.7
P/B 1.11.21.51.7·1.11.81.7
P / Tangible Book 1.31.41.82.01.21.3··
P / Cash Flow 7.911.39.29.0·15.613.412.0
P / FCF 9.113.19.69.7·16.514.712.6
EV / FCF ·······14.8
EV / Revenue ·······42.8
Dividend Yield 4.3%3.8%3.4%3.3%·3.4%2.5%2.6%
Earnings Yield 10.7%-0.07%6.3%10.7%11.7%8.0%5.8%6.6%
Payout Ratio 41.4%-6074.4%56.2%31.3%·48.2%42.5%40.4%
Annual Payout $11M$10M$9M$9M$9M$7M$6M$6M

Most recent period on the left · null values shown as ·

Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years

16
Metric 2025-12-312024-12-312023-12-312022-12-312021-12-31
Revenue $8M $7M $7M $9M $7M
Net Income $28M $-160.0K $17M $29M $25M
Diluted EPS $3.01 $-0.02 $2.07 $3.58 $3.04

Institutional owners (13F) 111 filers · $153.0M total · As of Sept. 30, 2026

17

Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.

Holders 111
Value held $153.0M
New positions 13
Exited positions 8
Institutional activity — Q2 2026 vs prior quarter
New positions Exited positions Increased Decreased Net shares change
13 (-7 vs prior Q) 8 (0 vs prior Q) 47 (+3 vs prior Q) 22 (+4 vs prior Q) -26K

Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.

Institution Value Shares % of tracked 13F Type
BlackRock, Inc. $24,959,910 776,358 16.32% Shares
WELLINGTON MANAGEMENT GROUP LLP $18,245,286 567,505 11.93% Shares
VANGUARD CAPITAL MANAGEMENT LLC $14,202,552 441,759 9.28% Shares
VANGUARD GROUP INC $12,572,683 448,224 8.22% Shares
GEODE CAPITAL MANAGEMENT, LLC $8,302,016 258,159 5.43% Shares
MANUFACTURERS LIFE INSURANCE COMPANY, THE $5,603,038 174,278 3.66% Shares
Bulldog Investors, LLP $5,465,500 170,000 3.57% Shares
Cornerstone Wealth Group, LLC $5,355,708 166,585 3.50% Shares
DIMENSIONAL FUND ADVISORS LP $5,337,222 166,006 3.49% Shares
STATE STREET CORP $5,013,728 155,948 3.28% Shares
RAYMOND JAMES FINANCIAL INC $3,147,454 97,899 2.06% Shares
Cetera Investment Advisers $3,064,147 95,308 2.00% Shares
NORTHERN TRUST CORP $2,611,641 81,233 1.71% Shares
VANGUARD PORTFOLIO MANAGEMENT LLC $2,220,118 69,055 1.45% Shares
MARSHALL WACE, LLP $2,113,476 65,738 1.38% Shares
RENAISSANCE TECHNOLOGIES LLC $2,107,658 65,557 1.38% Shares
VANGUARD FIDUCIARY TRUST CO $2,085,763 64,876 1.36% Shares
SEGALL BRYANT & HAMILL, LLC $1,916,912 59,624 1.25% Shares
Stonebridge Financial Group, LLC $1,894,811 57,349 1.24% Shares
COMMONWEALTH EQUITY SERVICES, LLC $1,502,510 46,734 0.98% Shares
Bank of New York Mellon Corp $1,288,434 40,076 0.84% Shares
Connor, Clark & Lunn Investment Management Ltd. $1,281,146 39,849 0.84% Shares
Qube Research & Technologies Ltd $1,218,196 37,891 0.80% Shares
CITADEL ADVISORS LLC $1,105,606 34,389 0.72% Shares
LOS ANGELES CAPITAL MANAGEMENT LLC $1,089,661 33,893 0.71% Shares
CHARLES SCHWAB INVESTMENT MANAGEMENT INC $1,031,083 32,071 0.67% Shares
AQR CAPITAL MANAGEMENT LLC $1,031,020 32,069 0.67% Shares
MARTINGALE ASSET MANAGEMENT L P $980,383 30,494 0.64% Shares
GOLDMAN SACHS GROUP INC $940,741 29,261 0.61% Shares
Minerva Advisors LLC $918,847 28,580 0.60% Shares
Squarepoint Ops LLC $835,964 26,002 0.55% Shares
UBS Group AG $828,056 25,756 0.54% Shares
MORGAN STANLEY $827,669 25,744 0.54% Shares
BANK OF AMERICA CORP /DE/ $763,209 23,739 0.50% Shares
EAGLE WEALTH STRATEGIES LLC $756,425 23,528 0.49% Shares
BAILARD, INC. $730,577 22,724 0.48% Shares
Quadrature Capital Ltd $615,415 19,142 0.40% Shares
Strategic Financial Services, Inc. $577,800 17,972 0.38% Shares
Nuveen, LLC $543,432 16,903 0.36% Shares
JOHN G ULLMAN & ASSOCIATES INC $469,390 14,600 0.31% Shares
Alliance Wealth Advisors, LLC $461,803 14,364 0.30% Shares
AMERICAN CENTURY COMPANIES INC $446,692 13,894 0.29% Shares
PNC Financial Services Group, Inc. $428,141 13,317 0.28% Shares
RAFFLES ASSOCIATES LP $352,010 10,949 0.23% Shares
BRIDGEWAY CAPITAL MANAGEMENT, LLC $330,373 10,276 0.22% Shares
Walleye Capital LLC $323,333 10,057 0.21% Shares
DEUTSCHE BANK AG\ $323,204 10,053 0.21% Shares
Invesco Ltd. $319,025 9,923 0.21% Shares
De Lisle Partners LLP $286,392 8,908 0.19% Shares
WELLS FARGO & COMPANY/MN $283,682 8,824 0.19% Shares

Show all 111 institutional owners →

Company insiders 34 insiders · 14 officers · 24 directors

19
Insider Role Last activity Shares owned Buys 12m Sells 12m Net 12m
James O Donnelly President & CEO April 29, 2026 P 300 2 0 $8,536
John Martin Mccaffery JR EVP & CFO April 30, 2026 P 4,000 1 0 $29,440
William S Lance EVP & CFO Dec. 12, 2023 A 1,500 0 0 $0
Robert J Mancuso EVP & COO Dec. 26, 2023 F 18,569 0 0 $0
Vincent O'Bell EVP & Chief Lending Officer Sept. 4, 2026 M 6,642 0 4 $-103,562
John F Carmody EVP & Chief Credit Officer Dec. 19, 2025 F 9,725 0 0 $0
William W Davis JR Chairman of the Board Dec. 14, 2021 A 200 0 0 $0
James F Burke EVP & Chief Lending Officer Dec. 18, 2020 F 8,509 0 0 $0
John H Sanders Senior Vice President Sept. 4, 2020 S 188 0 0 $0
John E Marshall Chairman of the Board Nov. 2, 2016 S 512 0 0 $0
Kenneth C Doolittle Executive Vice President Dec. 9, 2014 A 871 0 0 $0
Joseph A Kneller Senior Vice President Nov. 29, 2012 M 0 0 0 $0
Edward C Kasper Executive Vice President Dec. 29, 2011 M 5,478 0 0 $0
Russell L Ridd Chairman Dec. 29, 2006 A 38,846 0 0 $0
James Shook Director Sept. 10, 2026 A 12,665 7 0 $320,287
Marissa S Nacinovich Director Sept. 10, 2026 A 651 0 0 $0
Ronald R Schmalzle Director Sept. 10, 2026 A 8,957 2 0 $35,743
Spencer J Andress Director Sept. 10, 2026 A 8,492 0 0 $0
Joseph W Carroll Director Sept. 10, 2026 A 41,906 11 0 $193,480
Jeffrey S Gifford Director Sept. 10, 2026 A 26,849 0 0 $0
Alexandra K Nolan Director Sept. 10, 2026 A 2,973 0 0 $0
Meg L Hungerford Director Sept. 10, 2026 A 6,410 0 0 $0
Andrew Forte Director Sept. 10, 2026 A 12,376 1 0 $7,987
Kevin M Lamont Director Sept. 10, 2026 A 136,127 0 0 $0
Ralph A Matergia Director Sept. 10, 2026 A 26,685 0 0 $0
Kenneth A Phillips Director Sept. 10, 2026 A 15,972 2 0 $3,965
Susan Gumble-Cottell Director Jan. 21, 2025 A 122 0 0 $0
Lewis J Critelli Director Jan. 21, 2025 A 122 0 0 $0
Joseph W Adams Director Dec. 12, 2023 A 700 0 0 $0
Daniel J Oneill Director Dec. 9, 2014 A 350 0 0 $0
Richard L Snyder Director Dec. 31, 2012 A 2,100 0 0 $0
Gary P Rickard Director Jan. 29, 2010 P 29,079 0 0 $0
Charles E Case Director July 13, 2005 M 66,308 0 0 $0
Harold A Shook Director Dec. 9, 2003 A · 0 0 $0

Insiders from SEC Form 3/4/5 filings; net = open-market P/S only

ETF ownership Held by 21 ETFs

20

Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.

Fund Weight Units As of Source
IWC · iShares Trust 0.09% 35,993 SH Sept. 11, 2026 Daily
EBIT · Harbor ETF Trust 0.03% 101 NS July 31, 2026 N-PORT
VTWV · VANGUARD SCOTTSDALE FUNDS 0.02% 8,978 SH Aug. 19, 2026 Daily
IWM · iShares Trust 0.01% 271,162 SH Sept. 11, 2026 Daily
OMFS · Invesco Exchange-Traded Self-Indexe… 0.01% 916 SH Sept. 30, 2026 Daily
RSSL · Global X Funds 0.01% 4,929 NS July 31, 2026 N-PORT
VTWO · VANGUARD SCOTTSDALE FUNDS 0.01% 59,399 SH Aug. 19, 2026 Daily
DFAS · Dimensional ETF Trust 0.01% 30,379 NS July 31, 2026 N-PORT
PRFZ · Invesco Exchange-Traded Fund Trust 0.00% 3,578 SH Oct. 2, 2026 Daily
DFAT · Dimensional ETF Trust 0.00% 7,363 NS July 31, 2026 N-PORT
DFSU · Dimensional ETF Trust 0.00% 1,047 NS July 31, 2026 N-PORT
DCOR · Dimensional ETF Trust 0.00% 1,066 NS July 31, 2026 N-PORT
ITOT · iShares Trust 0.00% 26,613 SH Sept. 11, 2026 Daily
DFAC · Dimensional ETF Trust 0.00% 6,661 NS July 31, 2026 N-PORT
DFUS · Dimensional ETF Trust 0.00% 539 NS July 31, 2026 N-PORT
VXF · VANGUARD INDEX FUNDS 0.00% 113,005 SH Aug. 19, 2026 Daily
VTI · VANGUARD INDEX FUNDS 0.00% 318,320 SH Aug. 19, 2026 Daily
VTHR · VANGUARD SCOTTSDALE FUNDS 0.00% 678 SH Aug. 19, 2026 Daily
DFAU · Dimensional ETF Trust 0.00% 133 NS July 31, 2026 N-PORT
DXUV · Dimensional ETF Trust 0.00% 4 NS July 31, 2026 N-PORT
IWN · iShares Trust · 106,112 SH Sept. 11, 2026 Daily

NWFL Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside

21
rating · 8 analysts BUY
Median target $36.50 +8.3%
2 25.0% Strong Buy
4 50.0% Buy
2 25.0% Hold
0 0.0% Sell
0 0.0% Strong Sell

12-Month Price Target

2 analysts · 2026-10-03

Mean target $36.50 +8.3%

← Below all targets Current price $33.70
Low$35.00 Mean$36.50 High$38.00

Peer comparison (GICS sub-industry) Key metrics vs sector peers

22

FY basis, prices as of each company's last fiscal year-end close.

Ticker Market Cap P/E Rev YoY Net Margin ROE Gross Margin
NWFL $267M 9.3 8.1% 347.0% 11.9% ·
FNLC $297M 8.6 18.0% 36.3% 12.3% ·
CZFS $300M 7.5 2.8% 370.1% 11.2% ·
PKBK · 7.9 26.8% 47.3% 11.9% ·
NECB $316M 7.0 -0.71% 42.4% 12.9% ·
CARE $434M 14.2 4.7% 154.4% 7.6% ·
TSBK $263M 9.1 9.6% 35.3% 11.3% ·
TFC $62.13B 12.9 53.0% 26.1% 8.2% ·

Latest News Recent headlines mentioning this company

23

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26

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Source: SEC 10-Q filed Aug 7, 2026