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

NWFL has the lower trailing P/E: NWFL trades at 10.85 and OPRT at 20.77. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, NWFL or OPRT?

Over the past five years, NWFL grew revenue faster — NWFL at a 12.98% CAGR versus OPRT at 6.90%.

Does NWFL or OPRT pay a bigger dividend?

NWFL pays a dividend (3.74% yield), while OPRT has no payments in the available dividend history.

Is NWFL or OPRT more profitable?

NWFL runs the higher net margin — NWFL at 19.97% versus OPRT at 2.84%.

How have NWFL and OPRT total returns compared?

Over the past 5 years, NWFL delivered 10.27% and OPRT delivered -19.89% annualized total return. Past performance doesn't predict future results.

Norwood Financial Corp. (NWFL) vs Oportun Financial Corporation (OPRT)

A side-by-side comparison of Norwood Financial Corp. and Oportun Financial Corporation 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.

NWFL

Norwood Financial Corp.

$371M

$34.07Financial ServicesDelayed quote: Oct 6, 2026, 4:00 PM EDT

OPRT

Oportun Financial Corporation

$382M

$8.32Financial ServicesDelayed quote: Oct 6, 2026, 4:00 PM EDT

Total return — NWFL vs OPRT

growth of $100 · dividends reinvested · last 7y

NWFL +40.4% (+5.0%/yr)OPRT -48.2% (-9.0%/yr)NWFL compounded faster over this window

NWFL OPRT

NWFL vs OPRT: by the numbers

•OPRT is the larger company ($382M vs $371M market cap).
•NWFL trades at the lower trailing earnings multiple (10.85 vs 20.77 P/E), one valuation lens rather than an overall verdict.
•NWFL converts more revenue to profit (19.97% vs 2.84% net margin).
•NWFL grew revenue faster over the past five years (12.98% vs 6.90% CAGR).
•NWFL pays a dividend (3.74% yield), while OPRT has no payments in the available dividend history.

Metrics side by side

Valuation

Metric	NWFL	OPRT
P/E ratio	10.85	20.77
Forward P/E	9.80	5.27
PEG ratio	1.41	N/A
P/S ratio	2.57	0.56
P/B ratio	1.28	0.94

Profitability

Metric	NWFL	OPRT
Operating margin	25.49%	5.83%
Net margin	19.97%	2.84%
ROE	9.96%	4.79%

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.

Oportun Financial Corporation: 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	NWFL	OPRT
Dividend yield	3.74%	N/A
Payout ratio	40.45%	N/A

Growth (annualized)

Metric	NWFL	OPRT
Revenue CAGR (5Y)	12.98%	6.90%
EPS CAGR (5Y)	7.71%	N/A
Total return CAGR (5Y)	10.27%	-19.89%

Frequently asked

Which has the lower trailing P/E, NWFL or OPRT?: NWFL has the lower trailing P/E: NWFL trades at 10.85 and OPRT at 20.77. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, NWFL or OPRT?: Over the past five years, NWFL grew revenue faster — NWFL at a 12.98% CAGR versus OPRT at 6.90%.
Does NWFL or OPRT pay a bigger dividend?: NWFL pays a dividend (3.74% yield), while OPRT has no payments in the available dividend history.
Is NWFL or OPRT more profitable?: NWFL runs the higher net margin — NWFL at 19.97% versus OPRT at 2.84%.
How have NWFL and OPRT total returns compared?: Over the past 5 years, NWFL delivered 10.27% and OPRT delivered -19.89% annualized total return. Past performance doesn't predict future results.

Go deeper

Full NWFL analysis Full OPRT analysis Interactive comparison tool

Dig into the metrics

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

Norwood Financial & Oportun Financial appear in these rankings

Highest Dividend Yield Stocks 25+ Year Dividend Growers Lowest P/E Ratio Stocks

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.