Which has the lower trailing P/E, FNLC or NWFL?

FNLC has the lower trailing P/E: FNLC trades at 10.12 and NWFL at 10.84. P/E is one valuation measure and does not by itself establish which business is cheaper.

Does FNLC or NWFL pay a bigger dividend?

FNLC yields 4.38% and NWFL yields 3.74% based on trailing dividends and the latest price.

Is FNLC or NWFL more profitable?

FNLC runs the higher net margin — FNLC at 21.66% versus NWFL at 19.97%.

How have FNLC and NWFL total returns compared?

Over the past 10 years, FNLC delivered 9.00% and NWFL delivered 9.63% annualized total return. Past performance doesn't predict future results.

The First Bancorp, Inc. (FNLC) vs Norwood Financial Corp. (NWFL)

A side-by-side comparison of The First Bancorp, Inc. and Norwood Financial Corp. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.

FNLC

The First Bancorp, Inc.

$385M

$34.12Financial ServicesDelayed quote: Oct 6, 2026, 11:53 AM EDT

NWFL

Norwood Financial Corp.

$371M

$34.03Financial ServicesDelayed quote: Oct 6, 2026, 11:50 AM EDT

Total return — FNLC vs NWFL

growth of $100 · dividends reinvested · last 10y

FNLC +138.5% (+9.1%/yr)NWFL +155.4% (+9.8%/yr)NWFL compounded faster over this window

FNLC NWFL

FNLC vs NWFL: by the numbers

•FNLC is the larger company ($385M vs $371M market cap).
•FNLC trades at the lower trailing earnings multiple (10.12 vs 10.84 P/E), one valuation lens rather than an overall verdict.
•FNLC converts more revenue to profit (21.66% vs 19.97% net margin).
•FNLC pays the higher dividend yield (4.38% vs 3.74%).

Metrics side by side

Valuation

Metric	FNLC	NWFL
P/E ratio	10.12	10.84
Forward P/E	N/A	9.79
PEG ratio	2.32	1.41
P/S ratio	2.20	2.57
P/B ratio	1.31	1.28

Profitability

Metric	FNLC	NWFL
Operating margin	23.76%	25.49%
Net margin	21.66%	19.97%
ROE	12.91%	9.96%

The First Bancorp, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Norwood Financial Corp.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.

Dividends

Metric	FNLC	NWFL
Dividend yield	4.38%	3.74%
Payout ratio	44.51%	40.45%

Growth (annualized)

Metric	FNLC	NWFL
Revenue CAGR (5Y)	13.03%	12.98%
EPS CAGR (5Y)	4.40%	7.71%
Total return CAGR (5Y)	8.19%	10.27%

Frequently asked

Which has the lower trailing P/E, FNLC or NWFL?: FNLC has the lower trailing P/E: FNLC trades at 10.12 and NWFL at 10.84. P/E is one valuation measure and does not by itself establish which business is cheaper.
Does FNLC or NWFL pay a bigger dividend?: FNLC yields 4.38% and NWFL yields 3.74% based on trailing dividends and the latest price.
Is FNLC or NWFL more profitable?: FNLC runs the higher net margin — FNLC at 21.66% versus NWFL at 19.97%.
How have FNLC and NWFL total returns compared?: Over the past 10 years, FNLC delivered 9.00% and NWFL delivered 9.63% annualized total return. Past performance doesn't predict future results.

Go deeper

Full FNLC analysis Full NWFL analysis Interactive comparison tool

Dig into the metrics

First Bancorp P/E ratio Norwood Financial P/E ratio First Bancorp dividend yield Norwood Financial dividend yield First Bancorp ROE Norwood Financial ROE First Bancorp operating margin Norwood Financial operating margin First Bancorp revenue growth Norwood Financial revenue growth

First Bancorp & Norwood Financial appear in these rankings

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Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.