Norwood Financial Corp.
NWFL26 yrs growthFinancial Services · Stock · quarterly payer
Forward Yield
3.92%
Annual Dividend
$1.28
Payout Ratio
43%
5-Yr Growth
4.4%
Ex-Date
Jul 15, 2026
Frequency
Quarterly
Summary
As of July 2026, Norwood Financial Corp. (NWFL) yields 3.92% ($1.28 per share annually), with a blended fair-value estimate of $89.40 — +174% upside, so it screens as undervalued. Dividend safety grade: A (97/100). 26 years of dividend growth.
Is NWFL a good dividend stock?
YesNorwood Financial Corp. (NWFL) pays a quarterly dividend yielding 3.92% ($1.28/yr), with 26 years of growth and a dividend-safety grade of A. It scores well across payout coverage, growth history and safety — a dependable income holding.
Advantages
- Dividend Aristocrat — 26 consecutive years of growth
- Never cut its dividend on record
- Comfortable payout ratio (43%)
- Top-tier dividend safety score
Risks
- Single-stock concentration risk — diversify
Key Data
- Dividend Yield
- 3.92%
- Payout Ratio
- 43%
- Annual Dividend
- $1.28
- 5-Yr Avg Growth
- 4.4%
- Ex-Dividend Date
- Jul 15, 2026
- Years of Growth
- 26
- Frequency
- quarterly
- Beta
- 0.53
- Market Cap
- $355.4M
- P/E Ratio
- 11.2
- 5-Yr Total Return
- 28%
- 52-Week Range
- $23.70 – $32.97
- Dividend Safety
- A · 97/100
- Ever Cut?
- No
Frequently Asked Questions
NWFL Price — Last 12 Months
Daily close
Price Return
1 Year
+21%
3 Years
+20%
5 Years
+28%
52-Week Range
$23.70 – $32.97
Price change over each period (excludes dividends). Past performance doesn't guarantee future results.
What is NWFL worth?
Undervaluedlow confidenceOur blended fair-value estimate for Norwood Financial Corp. is $89.40 per share, versus a market price of $32.63. That implies 174% of upside — a margin of safety of about 64%.
Fair Value
$89.40
Current Price
$32.63
Upside
+174%
Margin of Safety
64%
How we get there
Discounted cash flow
Discounts projected free cash flow back to today.
Dividend discount
Discounts the future dividend stream back to today.
Earnings multiple (Graham)
Graham's earnings-multiple formula, anchored to bond yields.
At today's price, the market is pricing in about -10.0% annual free-cash-flow growth. We model 20.0% — below our estimate, leaving room for upside if the business executes.
Assumptions: 7.0% discount rate (CAPM), 20.0% stage-1 growth, 2.5% terminal growth, $2.92 EPS, $1.28 annual dividend. Updated weekly.
Fair-value estimates are model output for educational purposes only — not investment advice or a price target.
NWFL Dividend Safety Score
Very Safe
SmarterDividends' proprietary score, backtested against which dividends were actually cut over 15+ years (0.78 AUC). It blends a validated cut-risk model (growth streak, cut history) with current payout, cash-flow and debt. Higher is safer · not investment advice.
Dividend Growth
Total dividends per share by year
Dividend History
| Ex-Date | Pay Date | Amount | Type |
|---|---|---|---|
| Jul 15, 2026 | — | $0.3200 | regular |
| Apr 15, 2026 | — | $0.3200 | regular |
| Jan 15, 2026 | — | $0.3200 | regular |
| Oct 15, 2025 | — | $0.3100 | regular |
| Jul 15, 2025 | — | $0.3100 | regular |
| Apr 15, 2025 | — | $0.3100 | regular |
| Jan 15, 2025 | — | $0.3100 | regular |
| Oct 18, 2024 | — | $0.3000 | regular |
| Jul 15, 2024 | — | $0.3000 | regular |
| Apr 12, 2024 | — | $0.3000 | regular |
| Jan 11, 2024 | — | $0.3000 | regular |
| Oct 12, 2023 | — | $0.2900 | regular |
| Jul 13, 2023 | — | $0.2900 | regular |
| Apr 13, 2023 | — | $0.2900 | regular |
Income Calculator
At $1.28 / yr per share
