CZFS vs NWFL
CZFS: A community-focused regional bank serving north-central Pennsylvania and surrounding areas through deposit-taking, residential and commercial lending, and trust services. NWFL: Norwood Financial is a community-focused bank holding company operating Wayne Bank, serving customers across Northeastern Pennsylvania and New York with a full suite of traditional banking and trust services.
Side-by-side fundamentals
| Metric | CZFS | NWFL | Edge |
|---|---|---|---|
| Price as of 2026-07-23 close | $71.50 | $32.19 | |
| Market cap as of 2026-07-24 | $345M | $348M | |
| P/E as of 2026-07-24 | 8.79 | 13.53 | CZFS lower |
| PEG as of 2026-07-24 | 0.24 | 0.01 | NWFL lower |
| Net margin as of 2026-07-24 | +20.6% | n/a | |
| Operating margin as of 2026-07-24 | +25.0% | n/a | |
| ROE as of 2026-07-24 | +11.9% | +10.4% | CZFS higher |
| ROA as of 2026-07-24 | +1.3% | +1.0% | CZFS higher |
| Debt / equity as of 2026-07-24 | 0.58 | 0.00 | NWFL lower |
| Revenue growth (YoY) as of 2026-07-24 | +45.7% | n/a | |
| Revenue CAGR (3y) SEC XBRL | +4.8% | -3.0% | CZFS higher |
| Dividend yield as of 2026-07-24 | +2.8% | +4.2% | NWFL higher |
| Dividend streak (yrs) SEC XBRL | 5 | 5 | Tie |
| Beta as of 2026-07-24 | 0.38 | 0.54 | |
| 1-year return as of 2026-07-23 close | +18.6% | +23.6% | NWFL higher |
Fundamentals: Finnhub, as of 2026-07-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-23.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.