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NWFL vs V

NWFL
Norwood Financial Corp.
NEUTRAL
Price
$30.85
Market Cap
$336.0M
Sector
Financial Services
AI Confidence
80%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
NWFL
10.25
V
28.35
Forward P/E
NWFL
8.42
V
20.79
P/B Ratio
NWFL
1.18
V
15.09
P/S Ratio
NWFL
3.9
V
14.08
EV/EBITDA
NWFL
--
V
20.06

Profitability

Gross Margin
NWFL
0.0%
V
97.78%
Operating Margin
NWFL
48.02%
V
68.3%
Profit Margin
NWFL
32.21%
V
50.23%
ROE
NWFL
12.18%
V
53.95%
ROA
NWFL
1.17%
V
18.36%

Growth

Revenue Growth
NWFL
--
V
14.6%
Earnings Growth
NWFL
--
V
17.4%

Financial Health

Debt/Equity
NWFL
--
V
0.55
Current Ratio
NWFL
--
V
1.11
Quick Ratio
NWFL
--
V
0.72

Dividends

Dividend Yield
NWFL
4.15%
V
0.89%
Payout Ratio
NWFL
41.2%
V
22.91%

AI Verdict

NWFL NEUTRAL

NWFL presents a complex profile with a stable Piotroski F-Score of 4/9 and a valuation that sits between a defensive Graham Number ($42.14) and a lower growth-based intrinsic value ($21.07). While the company exhibits strong profitability metrics, including an ROE of 12.18% that significantly outperforms its sector average, it is currently battling a severely bearish technical trend (10/100). The stock is fundamentally attractive from a P/E and dividend perspective, but the discrepancy between its current price and intrinsic value suggests limited growth-based upside.

Strengths
Attractive valuation with a P/E of 10.25, well below the sector average of 49.01
Strong ROE of 12.18% compared to the sector average of 0.10%
Sustainable dividend profile with a 4.15% yield and a conservative 41.20% payout ratio
Risks
Severely bearish technical trend (10/100) indicating strong downward momentum
Current price ($30.85) is trading at a premium to its growth-based intrinsic value ($21.07)
Low insider sentiment score (40/100) and lack of recent insider buying
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

NWFL vs V: Head-to-Head Comparison

This page compares Norwood Financial Corp. (NWFL) and Visa Inc. (V) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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