Financials / Banks - RegionalUpdated 2026-05-10 22:07 UTC

NWFL stock hub

Norwood Financial Corp. has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

330.3M

NASDAQ

Market data

Live price

Current market quote for this ticker.

Current price

NWFL

In the news

Latest news · NWFL

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Fetching the latest headlines.

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Fetching the latest headlines.

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E8.5

P25 8.8P50 10.4P75 13.1

Trailing P/E11.4

P25 10.9P50 14.7P75 36.2

ROE10.2

P25 4.9P50 10.4P75 15

ROICn/a

P25 -1.3P50 6.6P75 12.7

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All NWFL market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

211

Groups with data

Currency

USD

Showing 211 of 211 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Cik	0001013272
Company name	Norwood Financial Corp.
Country	United States
Country code	US
Cusip	669549107
Employees	281
Employees Change	10%
Employees Change Percent	3.69
Enterprise value	$316M
Exchange	NASDAQ
Financial currency	USD
First seen	2026-05-09
Industry	Banks - Regional
IPO Date	1998-03-02
Isin	US6695491075
Last refreshed	2026-05-10
Market cap	$330.3M
Market cap category	Small-Cap
Price	$30.49
Price currency	USD
Rev Per Employee	329,633.45x
Sector	Financials
Sic	6022
Symbol	NWFL
Website	https://wayne.bank

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	7.79%
EV Earnings	12.29x
EV Sales Forward	2.69x
EV/Sales	3.41x
Forward P/E	8.47x
P/B ratio	1.16x
P/E ratio	11.39x
P/S ratio	3.57x
PE Ratio10 Y	21.24x
PE Ratio3 Y	36x
PE Ratio5 Y	24.44x
PS Forward	2.81x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Gross Profit	$92.6M
Net Income	$25.7M
Net Income Growth	2,078.98%
Net Income Growth Q	-35.39%
Net Income Growth Quarters	4%
Net Income Growth Years	1%
Net Income Growth3 Y	-2.67%
Net Income Growth5 Y	7.95%
Pretax Margin	35.14%
Profit Margin	27.76%
Profit Per Employee	$91,502
Profitable Years	1
ROA	0.97
Roa5y	0.93
ROE	10.19
Roe5y	9.98

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	9.06%
Cagr15y	8.31%
Cagr1y	23.92%
Cagr20y	6.41%
Cagr3y	9.81%
Cagr5y	8.62%
Div CAGR10	4.3%
Div CAGR3	3.39%
Div CAGR5	4.32%
EPS Growth	1,801.4
EPS Growth Q	-44.13
EPS Growth Quarters	4
EPS Growth Years	1
EPS Growth3 Y	-7.84
EPS Growth5 Y	3.32
Revenue Growth	83.86x
Revenue Growth Q	33.38x
Revenue Growth Quarters	4x
Revenue Growth Years	1x
Revenue Growth3 Y	6.82x
Revenue Growth5 Y	9.64x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Assets	$2.9B
Cash	$102.6M
Debt	$88.3M
Equity	$283.9M
Liabilities	$2.6B
Net Cash	$14.3M
Net Cash By Market Cap	$4.33
Net Debt Equity	$-0.05
Tangible Book Value	$244.2M
Tangible Book Value Per Share	$22.55
WACC	5.72

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working Capital	$-2.4B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	-14.65%
Dividend Growth	3.28%
Dividend Growth Years	28%
Dividend per share	$1.28
Dividend Years	29
Dividend Yield	4.2%
Ex Div Date	2026-04-15
Last Dividend	$0.32
Payout Frequency	Quarterly
Payout Ratio	47.07%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	138.06%
1Y total return	23.9%
200-day SMA	27.94
3Y total return	32.4%
50-day SMA	29.77
50-day SMA vs 200-day SMA	50over200
5Y total return	51.22%
All Time High	40.58
All Time High Change	-24.86%
All Time High Date	2018-09-25
All Time Low	6.06
All Time Low Change	403.05%
All Time Low Date	2000-12-07
ATR	0.93
Beta	0.55
Beta1y	0.55
Beta2y	0.59
Ch YTD	8.7
High	30.82
High52	32.23
High52 Date	2026-02-06
High52ch	-5.4%
Low	30.32
Low52	23.7
Low52 Date	2025-07-30
Low52ch	28.65%
Ma50ch	2.42%
Price vs 200-day SMA	9.15%
RSI	52.64
RSI Monthly	57.05
RSI Weekly	57.39
Sharpe ratio	0.79x
Sortino ratio	1.46
Total Return	-10.45%
Tr YTD	11.09
Tr15y	231.01%
Tr1m	0.54%
Tr1w	-1.23%
Tr3m	-3.4%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Analyst Count	1
Analyst Ratings	Hold
Earnings EPS Estimate	$0.81
Earnings EPS Estimate Growth	28.57
Earnings Revenue Estimate	27,400,000x
Earnings Revenue Estimate Growth	35.59x
Operating Income	$40.8M
Operating margin	44.01
Price target	$33
Price Target Change	$8.23

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	9,844,878%
Float Percent	90.89%
Shares Insiders	9.11%
Shares Institutions	38.53%
Shares Out	10,832,039
Shares Qo Q	15.99%
Shares Yo Y	14.65%
Short Float	1.21%
Short Ratio	5.21
Short Shares	1.1

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Average Volume	19,664.55x
Bv Per Share	26.21
Ch10y	62.12
Ch15y	82.47
Ch1m	-0.49
Ch1w	-1.23
Ch1y	18.32
Ch20y	59.83
Ch3m	-4.39
Ch3y	15.45
Ch5y	21.62
Ch6m	14.45
Change	-0.59%
Change From Open	-0.1
Close	30.67
Days Gap	-0.49
Dollar Volume	376,947.9
Earnings Date	2026-04-27
Earnings Time	bmo
EPS	$2.68
F Score	2
Fiscal Year End	December
Founded	1,870
Goodwill	36,375,000
Graham Number	39.73565
Graham Upside	30.32
Income Tax	$6.8M
Is Primary Listing	1
Is Spac	No
Last Earnings Date	2026-04-27
Last Report Date	2026-03-31
Last Split Date	2017-09-18
Last Split Type	Forward
Last10k Filing Date	2026-03-13
Lynch Fair Value	$21.27
Lynch Upside	-30.23
Ma150	28.72
Ma150ch	6.15%
Ma20	30.37
Ma20ch	0.4%
Next Earnings Date	2026-07-21
Open	30.52
Optionable	No
Payment Date	2026-05-01
Position In Range	34
Ppne	25,299,000
Price Date	2026-05-08
Ptbv Ratio	1.35
Relative Volume	0.63x
Revenue	92,627,000x
Tax By Revenue	7.38x
Tax Rate	21.01%
Tr20y	246.14%
Tr6m	16.97%
Us State	Pennsylvania
Volume	12,363

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

NWFL dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+4.2%

$1.28 annual per share

Payout ratio

+47.1%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

+4.3%

28 consecutive years of growth

Total shareholder yield

-10.5%

Next ex-dividend date: 2026-04-15

Performance

NWFL stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns NWFL?

Insider, institutional, and short-interest positioning.

Institutional ownership

+38.5%

Float: +90.9% of shares outstanding

Insider ownership

+9.1%

Stake held by company insiders. Higher generally signals alignment.

Negative means the company is buying back shares.

Technical

NWFL momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

52.6

Neutral momentum band

Price vs 200-day MA

+9.1%

50/200-day relationship not available

Beta (5Y)

0.55

Less volatile than the market

Sharpe ratio

0.79

Risk-adjusted return — higher is better; >1.0 is solid.

Peers

NWFL vs. sector cohort

Currency-neutral comparison: P/E, P/S, ROIC, 5Y revenue CAGR, and 1Y total return. Market-cap column appears only when every peer reports in the same currency.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
AXP	American Express Company	215.6B	19.7x	3.1x	11.5%	+15.5%	+15.6%	Reduce
BAC	Bank of America Corporation	364.1B	12.7x	3.3x	—	+6.3%	+28.2%	Reduce
BK	The Bank of New York Mellon Corporation	89.6B	16.2x	4.3x	—	+6.0%	+58.4%	Reduce

Questions

About NWFL

Hub-level FAQ points readers to the deeper analysis pages.

What is the current NWFL stock rating?

Norwood Financial Corp. is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full NWFL analysis?

The full report lives at /stocks/NWFL/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for NWFL?

The latest report frames NWFL around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the NWFL page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.