Norwood Financial Corp. NWFL R2K

Financial Services · Banks - Regional · United States

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.

Market & Price

Market Cap

$329.23M

Current Price

$30.23

High / Low (52W)

$31.75 / $23.13

Beta

0.55

Valuation

Stock P/E

11.07

Industry PE

12.01

Forward P/E

8.20

PEG Ratio

2.36

Book Value

$26.21

Price to Book

1.15

P/S

3.55

EV/EBITDA

Dividend Yield

4.24%

Profitability & Returns

ROCE

ROE

10.19%

ROA

0.97%

Profit Margin

27.76%

Op Margin

40.56%

EPS (Latest Qtr)

$0.35

EPS (TTM)

$2.73

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$89.04M

Total Assets

$2.42B

Current Assets

Working Capital

Ownership

Promoter Holding

8.03%

Chg in Prom Hold

FII / Inst Holding

41.68%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$313.16M

Total Revenue (TTM)

$92.63M

EBITDA

Free Cash Flow

Operating Cash Flow

$30.87M

Shares Outstanding

10.89M

Gross Margin

0.00%

Payout Ratio

45.79%

Growth (CAGR)

Revenue 5Y

3.93%

Profit 5Y

-1.71%

Revenue (YoY)

33.40%

Earnings (YoY)

-44.70%

PROS

Excellent profit margin of 27.8%.
Attractive dividend yield of 4.24%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

Earnings shrank at -1.7% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	NWFL Norwood Financial Corp. R2K	30.23	11.07	$329.23M	4.24%	-	10.19%	3.93%	-1.71%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Sep 2013	Mar 2014	Jun 2014	Sep 2014	Mar 2015	Jun 2015	Sep 2015	Mar 2016	Jun 2016	Sep 2016	Mar 2017	Jun 2017	Sep 2017	Mar 2018	Jun 2018	Sep 2018	Mar 2019	Jun 2019	Sep 2019	Mar 2020	Jun 2020	Sep 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	1.27M	1.43M	1.66M	1.30M	1.28M	1.46M	1.33M	1.12M	1.61M	1.54M	1.83M	1.85M	3.14M	2.02M	1.89M	1.68M	1.73M	1.92M	1.71M	1.88M	-	-	20.21M	21.31M	22.96M	23.46M	27.27M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	12.23M	12.14M	11.73M	12.10M	13.83M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	7.29M	7.83M	10.53M	9.37M	4.82M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.51M	1.63M	2.20M	1.93M	1.09M
Net Income	2.14M	1.96M	2.03M	2.12M	2.04M	1.96M	1.78M	1.88M	1.88M	612.00K	2.38M	2.72M	2.94M	3.13M	3.51M	3.71M	3.19M	3.52M	3.91M	3.08M	1.49M	5.00M	5.54M	5.75M	6.98M	7.13M	6.86M	8.11M	5.78M	6.50M	4.12M	4.43M	4.21M	-	-	5.77M	6.21M	8.33M	7.44M	3.73M
Diluted EPS	0.59	0.54	0.56	0.58	0.55	0.53	0.48	0.51	0.51	0.10	0.38	0.43	0.47	0.50	0.56	0.58	0.51	0.56	0.62	0.49	0.24	0.62	0.67	0.70	0.85	0.87	0.84	1.00	0.71	0.81	0.51	0.55	0.52	-	-	0.63	0.67	0.89	0.81	0.35

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	-	5.66M	5.45M	6.21M	-	78.33M	70.19M	51.04M	87.94M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	7.27M	33.47M	50.39M	48.20M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	36.38M	21.15M	-258.00K	35.02M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	7.15M	4.39M	-98.00K	7.26M
Net Income	7.06M	7.31M	7.36M	8.40M	8.46M	7.66M	5.91M	6.71M	8.20M	13.65M	14.21M	15.08M	-	29.23M	16.76M	-160.00K	27.75M
Diluted EPS	2.55	2.64	2.17	2.33	2.33	2.10	1.07	1.15	1.31	2.17	2.25	2.09	-	3.58	2.07	-0.02	3.01

Compounded Sales Growth

5 Years:	3.93%
1 Year:	33.40%

Compounded Profit Growth

5 Years:	-1.71%
1 Year:	-44.70%

Stock Price Performance

1 Year:	+21.76%
6 Months:	+8.75%
3 Months:	+5.11%
1 Month:	+3.70%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Jul 2020	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	537.00M	668.81M	672.30M	711.23M	711.63M	750.50M	1.11B	1.13B	1.18B	1.23B	-	1.85B	2.07B	2.05B	2.20B	2.32B	2.42B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	6.48M	17.36M	16.62M	21.42M	12.29M	7.86M	12.38M	10.01M	17.17M	16.70M	18.35M	-	-	-	-	31.87M	66.12M	72.34M	44.44M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	6.92M	8.12M	8.47M	9.25M
Total Liabilities	-	-	469.31M	580.75M	579.88M	619.37M	612.59M	649.51M	1.00B	1.02B	1.06B	1.09B	-	1.66B	1.86B	1.88B	2.02B	2.10B	2.18B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	40.00M	69.83M	59.85M	29.42M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	82.26M	114.24M	158.53M	74.13M
Total Equity	58.69M	64.47M	67.70M	88.06M	92.42M	91.86M	99.04M	101.00M	111.08M	115.74M	122.28M	137.43M	44.80M	194.78M	205.26M	167.09M	181.07M	213.51M	242.16M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	8.29M	8.31M	9.49M	9.52M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	6.00M	8.58M	10.79M	11.36M	12.69M	10.53M	-	-	16.05M	17.30M	18.44M	13.80M	-	30.73M	29.82M	22.81M	33.97M
Investing Cash Flow	-12.61M	-10.94M	31.07M	-17.25M	-52.66M	4.69M	-	-	-28.59M	-54.84M	-39.78M	-61.36M	-	-207.99M	-116.57M	-115.20M	-128.95M
Financing Cash Flow	17.48M	1.63M	-37.06M	-3.24M	35.53M	-10.71M	-	-	12.06M	39.19M	18.41M	143.84M	-	2.44M	121.00M	98.62M	67.08M
Capital Expenditure	-248.00K	-179.00K	-175.00K	-417.00K	-393.00K	-193.00K	-290.00K	-511.00K	-1.63M	-873.00K	-1.62M	-749.00K	-	-2.15M	-1.41M	-3.13M	-4.72M
Free Cash Flow	5.76M	8.40M	10.62M	10.94M	12.30M	10.34M	-	-	14.42M	16.43M	16.82M	13.05M	-	28.58M	28.41M	19.68M	29.25M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-174.81M	34.25M	6.22M	-27.90M
Share Buybacks	-	-	602.00K	320.00K	319.00K	179.00K	127.00K	447.00K	1.59M	194.00K	428.00K	108.00K	1.44M	2.52M	3.10M	703.00K	361.00K

Ratios (Annual)

Figures in %.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	241.1%	260.9%	242.9%	-	37.3%	23.9%	-0.3%	31.6%
ROE %	11.0%	10.8%	8.4%	9.1%	9.2%	7.7%	5.8%	6.0%	7.1%	11.2%	10.3%	7.7%	-	17.5%	9.3%	-0.1%	11.5%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

8.03%

Institutions

41.68%

Public Float

45.32%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Wellington Management Group, LLP	6.89%	750.79K	$22.70M
2	Blackrock Inc.	6.07%	660.68K	$19.97M
3	Vanguard Capital Management LLC	3.93%	428.06K	$12.94M
4	UBS Group AG	2.20%	239.67K	$7.25M
5	Geode Capital Management, LLC	2.18%	237.41K	$7.18M
6	Manufacturers Life Insurance Co.	1.61%	175.06K	$5.29M
7	Bulldog Investors, LLP	1.56%	170.00K	$5.14M
8	Cornerstone Wealth Group, LLC	1.53%	166.59K	$5.04M
9	Dimensional Fund Advisors LP	1.43%	155.91K	$4.71M
10	State Street Corporation	1.30%	141.67K	$4.28M

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