Norwood Financial/$NWFL
1D1W1M3M6MYTD1Y5YMAX
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
- 315
- Headquarters
- Honesdale, United States
- Website
- wayne.bank
NWFL Metrics
BasicAdvanced
$387M
11.61
$3.07
0.55
$1.28
3.59%
Price and volume
Market cap
$387M
Beta
0.55
52-week high
$37.48
52-week low
$26.47
Average daily volume
52K
Dividend rate
$1.28
Financial strength
Profitability
Net profit margin (TTM)
30.14%
Operating margin (TTM)
45.99%
Effective tax rate (TTM)
21.49%
Revenue per employee (TTM)
$340,000
Management effectiveness
Return on assets (TTM)
1.20%
Return on equity (TTM)
12.45%
Valuation
Price to earnings (TTM)
11.609
Price to revenue (TTM)
3.499
Price to book
1.37
Price to tangible book (TTM)
1.59
Dividend yield (TTM)
3.59%
Forward dividend yield
3.59%
Growth
Revenue change (TTM)
76.82%
Earnings per share change (TTM)
257.93%
3-year revenue growth (CAGR)
14.03%
3-year earnings per share growth (CAGR)
1.92%
10-year earnings per share growth (CAGR)
14.49%
3-year dividend per share growth (CAGR)
-34.90%
10-year dividend per share growth (CAGR)
-9.05%
What the Analysts think about NWFL
Analyst ratings (Buy, Hold, Sell) for Norwood Financial stock.
Analyst projections of the future price of Norwood Financial stock.
Bulls say / Bears say
Q3 delivered record net income of $11.8 million and record net interest income of $28.0 million. Net interest margin rose to 4.01% from 3.63% a year earlier, pointing to stronger earnings power. (GlobeNewswire)
Norwood completed the Presence Bank integration, including its core systems conversion, and gained an expanded footprint in central Pennsylvania. This gives the bank a larger platform for further growth. (GlobeNewswire, SEC)
Credit indicators improved in Q3: non-performing loans fell to 0.73% of loans from 1.23% in Q2. The bank also collected past-due interest and settled its debtor-in-possession financing when a buyer took over one loan tied to the troubled borrower. (GlobeNewswire)
The 4.01% Q3 margin benefited from a one-off recovery of past-due interest and settlement of debtor-in-possession financing. Management said it does not expect much further margin expansion, limiting the scope for that earnings driver to repeat. (GlobeNewswire, Investing.com)
Norwood still has $7.1 million of exposure to two loans linked to the borrower that filed for bankruptcy, after recording a $729,000 charge-off. Further losses remain possible if the workout or collateral recovery disappoints. (GlobeNewswire)
Commercial property exposure could make Norwood vulnerable to a downturn in its regional markets. At June-end, commercial rentals accounted for 12.3% of loans and hotels and motels for a further 8.5%. (SEC)
Data summarised monthly by Lightyear AI. Last updated on 27 Oct 2026.
NWFL Financial Performance
Revenues and expenses
NWFL Earnings Performance
Company profitability
Upcoming events
No upcoming events
NWFL News
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Funds containing NWFL
Fund name | Fund size | $NWFL weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | $5.3B | 0.00% |
SPDR Russell 2000 US Small Cap£R2SC | $5.3B | 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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