NWFL
Norwood Financial Corp.
Price Chart
Latest Quote
$31.11
+0.29 (+0.96%)
Current Price
| Previous Close | $30.82 |
| Open | $30.70 |
| Day High | $31.23 |
| Day Low | $30.70 |
| Volume | 36,505 |
Stock Information
| Quarterly Dividend / Yield | $1.28 / 4.17% |
| Shares Outstanding | 10.89M |
| Quarterly Dividend Yield | 4.17% |
| Quarterly Dividend | $1.28 |
| Total Debt | $89.04M |
| Cash Equivalents | $103.35M |
| Revenue | $92.63M |
| Net Income | $25.71M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $338.81M |
| P/E Ratio | 11.40 |
| EPS (TTM) | $2.73 |
| Exchange | NGM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $319.50M |
| Sales | $92.63M |
| Income | $25.71M |
| Book/sh | $26.21 |
| Cash/sh | $9.49 |
| Employees | 275 |
Financial Ratios
| EPS Growth TTM | -35.40% |
Returns & Margins
| ROA | 0.97% |
| ROE | 10.19% |
| Operating Margin | 40.56% |
| Profit Margin | 27.76% |
Ownership
| Insider Ownership | 8.04% |
| Institutional Ownership | 41.70% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 8.44 |
| PEG | 2.36 |
| P/S | 3.66 |
| P/B | 1.19 |
Analyst Data
| Recommendation | buy |
| Target Price | $33.50 |
Technical Indicators
| SMA20 | $30.88 |
| SMA50 | $30.40 |
| SMA200 | $28.33 |
| RSI | 54.57 |
| ATR | 0.8439 |
| Shares Float | 9.84M |
| Short Float | 0.89% |
| Short Ratio | 4.57 |
| Volatility | 0.55 |
| Rel Volume | 1.43 |
Performance History
| Week | +0.16% |
| Month | +3.46% |
| Quarter | +7.28% |
| 6 Months | +5.45% |
| YTD | +13.55% |
| Year | +28.26% |
| 3 Years | +21.85% |
| 5 Years | +50.57% |
| 10 Years | +146.30% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-23 | $31.11 | 36,505 |
| 2026-06-22 | $30.82 | 36,600 |
| 2026-06-18 | $30.77 | 50,100 |
| 2026-06-17 | $31.07 | 21,900 |
| 2026-06-16 | $31.34 | 57,500 |
| 2026-06-15 | $31.06 | 22,900 |
| 2026-06-12 | $32.14 | 24,000 |
| 2026-06-11 | $31.91 | 12,500 |
| 2026-06-10 | $31.79 | 25,100 |
| 2026-06-09 | $31.31 | 26,100 |
| 2026-06-08 | $30.90 | 17,200 |
| 2026-06-05 | $30.79 | 18,500 |
| 2026-06-04 | $30.23 | 35,900 |
| 2026-06-03 | $29.36 | 26,500 |
| 2026-06-02 | $30.54 | 12,300 |
| 2026-06-01 | $30.02 | 18,300 |
| 2026-05-29 | $30.23 | 20,200 |
| 2026-05-28 | $30.72 | 12,900 |
| 2026-05-27 | $30.83 | 15,600 |
| 2026-05-26 | $30.70 | 18,300 |
About Norwood Financial Corp.
Norwood Financial Corp. operates as the bank holding company for Wayne Bank that provides various banking products and services in the United States. The company offers deposit products, including interest-bearing and non-interest-bearing transaction, statement savings, and money market accounts, as well as certificate of deposits. Its commercial loans include lines of credit, revolving credit, term loans, mortgages, secured lending products, and letter of credit facilities; municipal finance lending; construction loans for commercial construction projects and single-family residences; construction financing; land and consumer loans; mortgage lending to finance principal residences and second home dwellings; and indirect dealer financing of new and used automobiles, boats, and recreational vehicles. In addition, the company offers investment securities services; personal and business credit services; trust and investment products; and cash management, direct deposit, remote deposit capture, mobile deposit capture, automated clearing house activity, real estate settlement, and internet and mobile banking services. Further, it offers annuity and insurance products; and engages in mutual fund sale, advisory services, and discount brokerage activities, as well as insurance agency business. The company serves consumers, businesses, nonprofit organizations, and municipalities. It operates automated teller machines and branches in Northeastern Pennsylvania; and in New York counties of Delaware, Sullivan, Ontario, Otsego, and Yates. The company was founded in 1870 and is based in Honesdale, Pennsylvania.
đ° Latest News
Norwood Financial Corp. (NWFL) is a Top Dividend Stock Right Now: Should You Buy?
Zacks âĸ 2026-06-08T15:45:02Z
3 Bank Stocks With Dividend Yields Above 4% to Keep an Eye On
Zacks âĸ 2026-06-01T12:33:00Z
This is Why Norwood Financial Corp. (NWFL) is a Great Dividend Stock
Zacks âĸ 2026-05-22T15:45:02Z
Favourable Signals For Norwood Financial: Numerous Insiders Acquired Stock
Simply Wall St. âĸ 2026-05-09T12:01:21Z
Norwood Financial Corp. (NWFL) Could Be a Great Choice
Zacks âĸ 2026-05-06T15:45:02Z
Norwood Financial Corp (NWFL) Q1 2026 Earnings Call Highlights: Record Net Interest Income and ...
GuruFocus.com âĸ 2026-04-28T07:03:31ZNorwood Financial (NWFL) Q1 2026 Earnings Transcript
Motley Fool âĸ 2026-04-27T20:32:59Z
Norwood Financial Q1 Earnings Call Highlights
MarketBeat âĸ 2026-04-27T18:43:00Z
Norwood Financial Corp. Q1 2026 Earnings Call Summary
Moby âĸ 2026-04-27T16:46:34Z
Norwood Financial Corp. (NWFL) Misses Q1 Earnings Estimates
Zacks âĸ 2026-04-27T13:25:01Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $87,941,000 | $51,040,000 | $70,191,000 | $78,329,000 |
| Operating Revenue | $87,941,000 | $51,040,000 | $70,191,000 | $78,329,000 |
| Expenses | ||||
| Interest Expense | $48,204,000 | $50,389,000 | $33,473,000 | $7,269,000 |
| Selling And Marketing Expense | $742,000 | $930,000 | $630,000 | $516,000 |
| General And Administrative Expense | $28,480,000 | $26,362,000 | $24,550,000 | $22,683,000 |
| Professional Expense And Contract Services Expense | $1,913,000 | $2,173,000 | $1,676,000 | $1,719,000 |
| Other Non Interest Expense | $13,244,000 | $14,042,000 | $11,473,000 | $11,058,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $27,755,000 | $-160,000 | $16,759,000 | $29,233,000 |
| Net Interest Income | $78,324,000 | $62,191,000 | $62,067,000 | $68,397,000 |
| Interest Income | $126,528,000 | $112,580,000 | $95,540,000 | $75,666,000 |
| Normalized Income | $28,736,734 | $-179,845 | $16,695,560 | $28,890,119 |
| Net Income From Continuing And Discontinued Operation | $27,755,000 | $-160,000 | $16,759,000 | $29,233,000 |
| Net Income Common Stockholders | $27,755,000 | $-160,000 | $16,759,000 | $29,233,000 |
| Net Income | $27,755,000 | $-160,000 | $16,759,000 | $29,233,000 |
| Net Income Including Noncontrolling Interests | $27,755,000 | $-160,000 | $16,759,000 | $29,233,000 |
| Net Income Continuous Operations | $27,755,000 | $-160,000 | $16,759,000 | $29,233,000 |
| Pretax Income | $35,019,000 | $-258,000 | $21,146,000 | $36,385,000 |
| Special Income Charges | $-1,238,000 | - | - | - |
| Depreciation Amortization Depletion Income Statement | $54,000 | $69,000 | $85,000 | $101,000 |
| Depreciation And Amortization In Income Statement | $54,000 | $69,000 | $85,000 | $101,000 |
| Amortization Of Intangibles Income Statement | $54,000 | $69,000 | $85,000 | $101,000 |
| Per Share | ||||
| Diluted EPS | $3.01 | $-0.02 | $2.07 | $3.58 |
| Basic EPS | $3.01 | $-0.02 | $2.08 | $3.59 |
| Other | ||||
| Tax Effect Of Unusual Items | $-256,266 | $12,155 | $16,560 | $84,119 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $-1,238,000 | $32,000 | $80,000 | $427,000 |
| Total Unusual Items Excluding Goodwill | $-1,238,000 | $32,000 | $80,000 | $427,000 |
| Reconciled Depreciation | $1,469,000 | $1,377,000 | $1,460,000 | $1,571,000 |
| Diluted Average Shares | $9,220,930 | $8,000,000 | $8,096,135 | $8,165,642 |
| Basic Average Shares | $9,220,930 | $8,000,000 | $8,057,212 | $8,142,897 |
| Diluted NI Availto Com Stockholders | $27,755,000 | $-160,000 | $16,759,000 | $29,233,000 |
| Tax Provision | $7,264,000 | $-98,000 | $4,387,000 | $7,152,000 |
| Restructuring And Mergern Acquisition | $1,238,000 | - | - | - |
| Gain On Sale Of Security | $0 | $-19,962,000 | $-209,000 | $3,000 |
| Amortization | $54,000 | $69,000 | $85,000 | $101,000 |
| Selling General And Administration | $29,222,000 | $27,292,000 | $25,180,000 | $23,199,000 |
| Insurance And Claims | $1,552,000 | $1,344,000 | $985,000 | $612,000 |
| Salaries And Wages | $26,928,000 | $25,018,000 | $23,565,000 | $22,071,000 |
| Occupancy And Equipment | $5,478,000 | $5,049,000 | $5,083,000 | $4,967,000 |
| Other Gand A | - | - | - | - |
Fetched: 2026-06-22
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $212,793,000 | $184,090,000 | $151,583,000 | $137,513,000 |
| Total Assets | $2,424,842,000 | $2,317,462,000 | $2,201,079,000 | $2,047,070,000 |
| Goodwill And Other Intangible Assets | $29,364,000 | $29,418,000 | $29,487,000 | $29,572,000 |
| Other Intangible Assets | $98,000 | $152,000 | $221,000 | $306,000 |
| Receivables | $9,250,000 | $8,466,000 | $8,123,000 | $6,917,000 |
| Accounts Receivable | $9,250,000 | $8,466,000 | $8,123,000 | $6,917,000 |
| Cash And Cash Equivalents | $44,436,000 | $72,339,000 | $66,120,000 | $31,866,000 |
| Cash Financial | $32,118,000 | $27,562,000 | $28,533,000 | $28,847,000 |
| Cash Cash Equivalents And Federal Funds Sold | $44,436,000 | $72,339,000 | $66,120,000 | $31,866,000 |
| Debt | ||||
| Net Debt | $29,697,000 | $86,186,000 | $48,116,000 | $50,398,000 |
| Total Debt | $74,133,000 | $158,525,000 | $114,236,000 | $82,264,000 |
| Long Term Debt And Capital Lease Obligation | $29,419,000 | $59,852,000 | $69,830,000 | $40,000,000 |
| Long Term Debt | $29,419,000 | $59,852,000 | $69,830,000 | $40,000,000 |
| Current Debt And Capital Lease Obligation | $44,714,000 | $98,673,000 | $44,406,000 | $82,264,000 |
| Current Debt | $44,714,000 | $98,673,000 | $44,406,000 | $82,264,000 |
| Other Current Borrowings | $44,714,000 | $98,673,000 | $44,406,000 | $82,264,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $2,182,685,000 | $2,103,954,000 | $2,020,009,000 | $1,879,985,000 |
| Payables And Accrued Expenses | $12,138,000 | $12,615,000 | $10,510,000 | $2,653,000 |
| Payables | $12,138,000 | $12,615,000 | $10,510,000 | $2,653,000 |
| Accounts Payable | $12,138,000 | $12,615,000 | $10,510,000 | $2,653,000 |
| Equity | ||||
| Common Stock Equity | $242,157,000 | $213,508,000 | $181,070,000 | $167,085,000 |
| Total Equity Gross Minority Interest | $242,157,000 | $213,508,000 | $181,070,000 | $167,085,000 |
| Stockholders Equity | $242,157,000 | $213,508,000 | $181,070,000 | $167,085,000 |
| Gains Losses Not Affecting Retained Earnings | $-21,343,000 | $-33,121,000 | $-47,348,000 | $-57,353,000 |
| Other Equity Adjustments | $-21,343,000 | $-33,121,000 | $-47,348,000 | $-57,353,000 |
| Retained Earnings | $141,130,000 | $124,963,000 | $135,284,000 | $130,020,000 |
| Other | ||||
| Treasury Shares Number | $222,645 | $214,161 | $200,690 | $124,650 |
| Ordinary Shares Number | $9,293,858 | $9,272,907 | $8,110,157 | $8,166,751 |
| Share Issued | $9,516,503 | $9,487,068 | $8,310,847 | $8,291,401 |
| Tangible Book Value | $212,793,000 | $184,090,000 | $151,583,000 | $137,513,000 |
| Invested Capital | $316,290,000 | $372,033,000 | $295,306,000 | $249,349,000 |
| Total Capitalization | $271,576,000 | $273,360,000 | $250,900,000 | $207,085,000 |
| Treasury Stock | $6,008,000 | $5,797,000 | $5,397,000 | $3,308,000 |
| Additional Paid In Capital | $127,426,000 | $126,514,000 | $97,700,000 | $96,897,000 |
| Capital Stock | $952,000 | $949,000 | $831,000 | $829,000 |
| Common Stock | $952,000 | $949,000 | $831,000 | $829,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Investments And Advances | $408,782,000 | $397,846,000 | $406,259,000 | $418,927,000 |
| Available For Sale Securities | $128,765,000 | - | - | - |
| Goodwill | $29,266,000 | $29,266,000 | $29,266,000 | $29,266,000 |
| Net PPE | $22,971,000 | $19,657,000 | $17,838,000 | $17,924,000 |
| Accumulated Depreciation | $-22,938,000 | $-21,600,000 | $-20,369,000 | $-19,890,000 |
| Gross PPE | $45,909,000 | $41,257,000 | $38,207,000 | $37,814,000 |
| Machinery Furniture Equipment | $13,507,000 | $11,160,000 | $10,215,000 | $10,506,000 |
| Buildings And Improvements | $28,380,000 | $26,195,000 | $24,115,000 | $23,444,000 |
| Land And Improvements | $4,022,000 | $3,902,000 | $3,877,000 | $3,864,000 |
| Other Short Term Investments | $280,017,000 | $397,846,000 | $406,259,000 | $418,927,000 |
Fetched: 2026-06-22
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $29,247,000 | $19,680,000 | $28,412,000 | $28,581,000 |
| Operating Activities | ||||
| Operating Cash Flow | $33,967,000 | $22,807,000 | $29,824,000 | $30,734,000 |
| Cash Flow From Continuing Operating Activities | $33,967,000 | $22,807,000 | $29,824,000 | $30,734,000 |
| Operating Gains Losses | $-335,000 | $19,735,000 | $242,000 | $-385,000 |
| Investing Activities | ||||
| Capital Expenditure | $-4,720,000 | $-3,127,000 | $-1,412,000 | $-2,153,000 |
| Investing Cash Flow | $-128,951,000 | $-115,205,000 | $-116,568,000 | $-207,994,000 |
| Cash Flow From Continuing Investing Activities | $-128,951,000 | $-115,205,000 | $-116,568,000 | $-207,994,000 |
| Net Other Investing Changes | $8,399,000 | $-5,101,000 | $-3,301,000 | $-1,907,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-361,000 | $-703,000 | $-3,100,000 | $-2,515,000 |
| Issuance Of Capital Stock | $0 | $28,116,000 | $0 | - |
| Financing Cash Flow | $67,081,000 | $98,617,000 | $120,998,000 | $2,445,000 |
| Cash Flow From Continuing Financing Activities | $67,081,000 | $98,617,000 | $120,998,000 | $2,445,000 |
| Cash Dividends Paid | $-11,489,000 | $-9,719,000 | $-9,417,000 | $-9,158,000 |
| Common Stock Dividend Paid | $-11,489,000 | $-9,719,000 | $-9,417,000 | $-9,158,000 |
| Net Common Stock Issuance | $-361,000 | $27,413,000 | $-3,100,000 | $-2,515,000 |
| Common Stock Issuance | $0 | $28,116,000 | $0 | - |
| Other | ||||
| Repayment Of Debt | $-82,394,000 | $-82,444,000 | $-70,764,000 | $-29,998,000 |
| Issuance Of Debt | $40,020,000 | $60,001,000 | $155,000,000 | $40,000,000 |
| Interest Paid Supplemental Data | $48,681,000 | $48,284,000 | $25,616,000 | $5,819,000 |
| Income Tax Paid Supplemental Data | $3,021,000 | $2,617,000 | $4,936,000 | $6,891,000 |
| End Cash Position | $44,436,000 | $72,339,000 | $66,120,000 | $31,866,000 |
| Beginning Cash Position | $72,339,000 | $66,120,000 | $31,866,000 | $206,681,000 |
| Changes In Cash | $-27,903,000 | $6,219,000 | $34,254,000 | $-174,815,000 |
| Proceeds From Stock Option Exercised | $178,000 | $369,000 | $986,000 | $789,000 |
| Common Stock Payments | $-361,000 | $-703,000 | $-3,100,000 | $-2,515,000 |
| Net Issuance Payments Of Debt | $-140,729,000 | $16,550,000 | $65,097,000 | $42,395,000 |
| Net Short Term Debt Issuance | $-98,355,000 | $38,993,000 | $-19,139,000 | $32,393,000 |
| Net Long Term Debt Issuance | $-42,374,000 | $-22,443,000 | $84,236,000 | $10,002,000 |
| Long Term Debt Payments | $-82,394,000 | $-82,444,000 | $-70,764,000 | $-29,998,000 |
| Long Term Debt Issuance | $40,020,000 | $60,001,000 | $155,000,000 | $40,000,000 |
| Net Investment Purchase And Sale | $4,421,000 | $5,974,000 | $24,389,000 | $-84,935,000 |
| Sale Of Investment | $67,767,000 | $214,024,000 | $37,057,000 | $45,893,000 |
| Purchase Of Investment | $-63,346,000 | $-208,050,000 | $-12,668,000 | $-130,828,000 |
| Net PPE Purchase And Sale | $-4,720,000 | $-3,127,000 | $-1,411,000 | $-2,153,000 |
| Purchase Of PPE | $-4,720,000 | $-3,127,000 | $-1,412,000 | $-2,153,000 |
| Change In Working Capital | $-1,261,000 | $1,762,000 | $6,651,000 | $422,000 |
| Change In Payables And Accrued Expense | $-477,000 | $2,105,000 | $7,857,000 | $1,450,000 |
| Change In Payable | $-477,000 | $2,105,000 | $7,857,000 | $1,450,000 |
| Change In Account Payable | $-477,000 | $2,105,000 | $7,857,000 | $1,450,000 |
| Change In Receivables | $-784,000 | $-343,000 | $-1,206,000 | $-1,028,000 |
| Other Non Cash Items | $4,507,000 | $-3,766,000 | $-3,090,000 | $-3,370,000 |
| Stock Based Compensation | $776,000 | $721,000 | $830,000 | $641,000 |
| Deferred Tax | $-94,000 | $-125,000 | $583,000 | $419,000 |
| Deferred Income Tax | $-94,000 | $-125,000 | $583,000 | $419,000 |
| Depreciation Amortization Depletion | $1,469,000 | $1,377,000 | $1,460,000 | $1,571,000 |
| Depreciation And Amortization | $1,469,000 | $1,377,000 | $1,460,000 | $1,571,000 |
| Amortization Cash Flow | $54,000 | $69,000 | $85,000 | $101,000 |
| Amortization Of Intangibles | $54,000 | $69,000 | $85,000 | $101,000 |
| Depreciation | $1,415,000 | $1,308,000 | $1,375,000 | $1,470,000 |
| Gain Loss On Investment Securities | $0 | $19,962,000 | $209,000 | $-3,000 |
| Gain Loss On Sale Of PPE | $-9,000 | $-32,000 | $96,000 | $-379,000 |
| Net Income From Continuing Operations | $27,755,000 | $-160,000 | $16,759,000 | $29,233,000 |
| Sale Of PPE | - | $0 | $1,000 | $0 |
| Net Business Purchase And Sale | - | - | - | - |
| Sale Of Business | - | - | - | - |
Fetched: 2026-06-22