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Norwood Financial Corp. NWFL R2KFINANCIAL

Financial Services · Banks - Regional · United States
https://wayne.bank
Company Profile ↓
$34.77
+43.82% 1Y
Mkt Cap$379.07M
P/E11.91
P/B1.30
Div. Yield3.64%
52W High$34.91
52W Low$23.32
Book Value$26.73
EPS (TTM)$2.92

Company Overview

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.

Why Investors Should Care

Reasonable Valuation

Trades at a P/E of 11.9, below the sector median of 13.6.

Healthy Margins

Maintains a net profit margin of 28.9%.

Conservative Balance Sheet

Carries low leverage with a debt-to-equity ratio of 0.31.

Dividend Income

Offers a dividend yield of 3.64%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $8.00M (+8.1% YoY); net profit $27.75M.
  • Trailing 12 Months Year-on-year growth — revenue +34.7%, earnings +28.4%.
  • 5-Year Trend Long-term compounding — revenue CAGR 5.1%, profit CAGR 8.9%.

Growth & Price Performance

Compounded Sales Growth

5 Years:5.06%
1 Year:34.70%

Compounded Profit Growth

5 Years:8.93%
1 Year:28.40%

Stock Price Performance

1 Year:+43.82%
6 Months:+14.92%
3 Months:+4.14%
1 Month:+4.29%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 99% of range
$23.32 $34.91
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)63.71 · Neutral
Price Performance
1M+4.29%
3M+4.14%
6M+14.92%
1Y+43.82%
Valuation vs Sector

P/E of 11.91 is below the sector median of 13.55 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 28.9%.
  • Attractive dividend yield of 3.64%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

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

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Valuation

Stock P/E
11.91
Industry PE
13.55
Forward P/E
9.03
PEG Ratio
2.36
Book Value
$26.73
Price to Book
1.30
P/S
3.80
EV/EBITDA
-
Dividend Yield
3.64%

Growth (CAGR)

Revenue 5Y
5.06%
Profit 5Y
8.93%
Revenue (YoY)
34.70%
Earnings (YoY)
28.40%

Profitability & Returns

ROCE
-
ROE
11.20%
ROA
1.09%
Profit Margin
28.93%
Op Margin
44.88%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.86
EPS (TTM)
$2.92

Balance Sheet & Liquidity

Debt/Equity
0.31
Quick Ratio
-
Current Ratio
-
Debt
$66.32M
Total Assets
$2.91B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
8.15%
Chg in Prom Hold
0.06%
FII / Inst Holding
42.91%
Chg in FII Hold
0.52%

Financial Snapshot

Enterprise Value
$379.07M
Total Revenue (TTM)
$99.69M
EBITDA
-
Free Cash Flow
$29.25M
Operating Cash Flow
$33.02M
Shares Outstanding
10.90M
Gross Margin
0.00%
Payout Ratio
43.15%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 NWFL Norwood Financial Corp. R2KFINANCIAL 34.77 11.91 $379.07M 3.64% - 11.20% 5.06% 8.93%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 331.58 14.21 $881.40B 1.72% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 542.19 13.64 $763.42B 0.00% - 12.12% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 407.92 34.69 $695.14B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 623.60 34.34 $542.20B 0.62% 60.19% - 12.29% 19.21%
6 BRK-A Berkshire Hathaway Inc. FINANCIAL 813,595.00 13.64 $397.40B 0.00% - 12.12% 7.60% 10.02%
7 BAC Bank of America Corporation SPXR3KFINANCIAL 50.56 11.68 $353.55B 2.39% - 11.20% 3.14% 4.27%
8 HSBC HSBC Holdings plc FINANCIAL 90.68 12.95 $310.38B 3.65% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 179.49 14.51 $281.90B 2.26% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Jun 2013Sep 2013Mar 2014Jun 2014Sep 2014Mar 2015Jun 2015Sep 2015Mar 2016Jun 2016Sep 2016Mar 2017Jun 2017Sep 2017Mar 2018Jun 2018Sep 2018Mar 2019Jun 2019Sep 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026Jun 2026
Revenue --------------1.27M1.43M1.66M1.30M1.28M1.46M1.33M1.12M1.61M1.54M1.83M1.85M3.14M2.02M1.89M1.68M1.73M1.92M1.71M1.88M1.87M1.98M1.87M2.04M2.28M2.10M
Net Income 1.84M2.14M1.96M2.03M2.12M2.04M1.96M1.78M1.88M1.88M612.00K2.38M2.72M2.94M3.13M3.51M3.71M3.19M3.52M3.91M3.08M1.49M5.00M5.54M5.75M6.98M7.13M6.86M8.11M5.78M6.50M4.12M4.43M4.21M3.84M5.77M6.21M8.33M3.73M9.33M
Diluted EPS 0.510.590.540.560.580.550.530.480.510.510.100.380.430.470.500.560.580.510.560.620.490.240.620.670.700.850.870.841.000.710.810.510.550.520.480.630.670.890.350.86

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue ---------5.66M5.45M6.21M7.02M8.76M7.14M7.40M8.00M
Net Income 7.06M7.31M7.36M8.40M8.46M7.66M5.91M6.71M8.20M13.65M14.21M15.08M24.91M29.23M16.76M-160.00K27.75M
Diluted EPS 2.552.642.172.332.332.101.071.151.312.172.252.093.043.582.07-0.023.01

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Jul 2020Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --537.00M668.81M672.30M711.23M711.63M750.50M1.11B1.13B1.18B1.23B-1.85B2.07B2.05B2.20B2.32B2.42B
Current Assets -------------------
Cash & Equivalents 6.48M17.36M16.62M21.42M12.29M7.86M12.38M10.01M17.17M16.70M18.35M----31.87M66.12M72.34M44.44M
Inventory -------------------
Receivables ---------------6.92M8.12M8.47M9.25M
Total Liabilities --469.31M580.75M579.88M619.37M612.59M649.51M1.00B1.02B1.06B1.09B-1.66B1.86B1.88B2.02B2.10B2.18B
Current Liabilities -------------------
Long Term Debt ---------------40.00M69.83M59.85M29.42M
Total Debt ---------------82.26M114.24M158.53M74.13M
Total Equity 58.69M64.47M67.70M88.06M92.42M91.86M99.04M101.00M111.08M115.74M122.28M137.43M44.80M194.78M205.26M167.09M181.07M213.51M242.16M
Shares Outstanding ---------------8.29M8.31M9.49M9.52M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 6.00M8.58M10.79M11.36M12.69M10.53M--16.05M17.30M18.44M13.80M29.20M30.73M29.82M22.81M33.97M
Investing Cash Flow -12.61M-10.94M31.07M-17.25M-52.66M4.69M---28.59M-54.84M-39.78M-61.36M-130.96M-207.99M-116.57M-115.20M-128.95M
Financing Cash Flow 17.48M1.63M-37.06M-3.24M35.53M-10.71M--12.06M39.19M18.41M143.84M196.75M2.44M121.00M98.62M67.08M
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-1.26M-2.15M-1.41M-3.13M-4.72M
Free Cash Flow 5.76M8.40M10.62M10.94M12.30M10.34M--14.42M16.43M16.82M13.05M27.94M28.58M28.41M19.68M29.25M
Share Buybacks --602.00K320.00K319.00K179.00K127.00K447.00K1.59M194.00K428.00K108.00K1.44M2.52M3.10M703.00K361.00K

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % ---------241.1%260.9%242.9%354.9%333.7%234.9%-2.2%347.0%
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%12.1%17.5%9.3%-0.1%11.5%
ROCE % -----------------

Shareholding Pattern

Insiders
8.15%
Institutions
42.91%
Public Float
46.72%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 7.12% 776.36K $26.03M
2 Wellington Management Group, LLP 5.21% 567.50K $19.03M
3 Vanguard Capital Management LLC 4.05% 441.76K $14.81M
4 Geode Capital Management, LLC 2.37% 258.16K $8.66M
5 Manufacturers Life Insurance Co. 1.60% 174.28K $5.84M
6 Bulldog Investors, LLP 1.56% 170.00K $5.70M
7 Cornerstone Wealth Group, LLC 1.53% 166.59K $5.59M
8 Dimensional Fund Advisors LP 1.52% 166.01K $5.57M
9 State Street Corporation 1.43% 155.95K $5.23M
10 Raymond James Financial, Inc. 0.90% 97.90K $3.28M

Analyst View

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Latest News

Recent headlines for NWFL

Google News hu, 22 Oct 2026

Norwood Financial Corp. (NWFL) Stock Price, News, Quote & History - Yahoo! Finance Canada

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Google News ue, 20 Oct 2026

Norwood Financial Corp. (NWFL) Reports Next Week: Wall Street Expects Earnings Growth - Yahoo Finance

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Google News hu, 24 Sep 2026

Borrower Bankruptcy Spoils Recent Results From Norwood Financial (NASDAQ:NWFL) - Seeking Alpha

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Google News ue, 20 Oct 2026

Norwood Financial (NWFL) Set to Post Quarterly Earnings on Tuesday - MarketBeat

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Google News Wed, 14 Oct 2026

A director’s 40-share retainer brings direct holdings to 3,013 at Norwood Financial (NWFL). - Stock Titan

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Google News Fri, 16 Oct 2026

Why Norwood Financial Corp. (NWFL) is a Great Dividend Stock Right Now - Yahoo Finance

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NWFL — Frequently Asked Questions

What is the current share price of Norwood Financial Corp. (NWFL)?

As of 2026-10-23 16:27 PDT, Norwood Financial Corp. (NWFL) trades at $34.77 on NasdaqGM. Its 52-week range is $23.32 to $34.91.

What is the market capitalisation of NWFL?

Norwood Financial Corp. (NWFL) has a market capitalisation of $379.07M on NasdaqGM.

What is the P/E ratio of NWFL?

NWFL trades at a trailing price-to-earnings (P/E) ratio of 11.91. The industry average P/E is 13.55. Its price-to-book (P/B) ratio is 1.30.

Does NWFL pay a dividend?

Norwood Financial Corp. (NWFL) currently offers a dividend yield of 3.64%.

What is the return on equity (ROE) of NWFL?

NWFL has a return on equity (ROE) of 11.20%.

Is NWFL a good stock to buy?

This page provides a data-driven analysis of Norwood Financial Corp. (NWFL), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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