Norwood Financial/$NWFL
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Capital at risk
About Norwood Financial
Norwood Financial Corp is a U.S.-based bank holding company. It offers various personal and business credit services, trust and investment products, and real estate settlement services to consumers, businesses, nonprofit organizations, and municipalities in each of the communities that the bank serves. The bank also manages automated teller machines at its branch location. It serves the Pennsylvanian counties of Wayne, Pike, Monroe, and Lackawanna, as well as Susquehanna County.
- Ticker
- $NWFL
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 278
- Headquarters
- Honesdale, United States
- Website
- wayne.bank
NWFL Metrics
BasicAdvanced
$373M
11.94
$2.88
0.53
$1.27
3.73%
Price and volume
Market cap
$373M
Beta
0.53
52-week high
$35.48
52-week low
$23.82
Average daily volume
34K
Dividend rate
$1.27
Financial strength
Dividend payout ratio (TTM)
44.16%
Profitability
Net profit margin (TTM)
28.93%
Operating margin (TTM)
44.87%
Effective tax rate (TTM)
20.67%
Revenue per employee (TTM)
$360,000
Management effectiveness
Return on assets (TTM)
1.09%
Return on equity (TTM)
11.20%
Valuation
Price to earnings (TTM)
11.944
Price to revenue (TTM)
3.455
Price to book
1.28
Price to tangible book (TTM)
1.49
Price to free cash flow (TTM)
11.498
Free cash flow yield (TTM)
8.70%
Free cash flow per share (TTM)
2.988
Dividend yield (TTM)
3.70%
Forward dividend yield
3.73%
Growth
Revenue change (TTM)
84.75%
Earnings per share change (TTM)
686.10%
3-year revenue growth (CAGR)
9.42%
3-year earnings per share growth (CAGR)
-5.25%
10-year earnings per share growth (CAGR)
10.87%
3-year dividend per share growth (CAGR)
3.36%
10-year dividend per share growth (CAGR)
4.39%
Bulls say / Bears say
Norwood delivered record second-quarter net income of $9.3 million and net interest income of $26.8 million. Its net interest margin widened to 3.90% from 3.43% a year earlier, showing stronger earnings power. (GlobeNewswire)
The Presence Bancshares integration has been completed, while tangible book value per share reached $22.96, above the pre-acquisition level of $22.90. That suggests the deal is recovering its initial shareholder dilution faster than expected. (GlobeNewswire, StockTitan)
The board has maintained a quarterly dividend of $0.32 per share. For income-focused investors, that extends a long record of shareholder distributions while the enlarged bank generates more earnings. (GlobeNewswire)
Credit metrics have weakened materially: non-performing loans rose to 1.23% of loans from 0.34% a year earlier. A borrower bankruptcy involved roughly $22 million of mainly commercial-property exposure and contributed to about $1.4 million of second-quarter net charge-offs. (Finnhub, StockTitan)
The 3.90% quarterly margin benefited partly from about $241,000 of non-recurring items, so the full improvement may not repeat. Management also noted rising competition for deposits, which could increase funding costs and squeeze future margins. (Benzinga, Defense World)
First-half basic earnings per share fell to $1.21 from $1.30 despite higher net income, because the enlarged share count spread earnings more thinly. This means the acquisition has not yet translated into clear year-to-date per-share growth. (StockTitan)
Data summarised monthly by Lightyear AI. Last updated on 20 Sept 2026.
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Funds containing NWFL
Fund name | Fund size | $NWFL weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.00% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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