NWFL logo

NORWOOD FINANCIAL CORP

NWFLNASDAQ
πŸ† #3215 by market capEarnings Oct 27US Equity
$33.34β–Ό $0.55 (βˆ’1.65%)
πŸŒ… Pre-market$33.34β–² 0.00%Regular close Β· extended-hours price shown
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24hβ–Ό 1.6%
7dβ–² 0.2%
14dβ–Ό 5.0%
30dβ–Ό 2.1%
ytdβ–² 16.3%
1yβ–² 30.2%
🏦Market Cap
$363M
Small Cap
πŸ“ˆRevenue Growth (YoY)
+34.2%
High Growth
πŸ“ŠGross Margin
62.5%
High
πŸ’΅FCF Margin
23.3%
Strong
βš–οΈP/S Ratio
2.5x
Cheap
Otter Score
76
Good

Trading Snapshot

Day Range
$32.93 – $33.79
52-Week Range
$23.82 – $35.48
Volume
$2.91B
Avg Volume
$2.44B
Shares Outstanding
10.9M
Next Earnings
Dec 6, 2026

Fundamentals Snapshot

Annual Revenue
$136M
Last Q Revenue
$43M
P/E Ratio
10.7
P/S Ratio
2.5x
EPS (TTM)
$3.15
Dividend Yield
3.81%
Dilution (1yr)
+11.5%

Why Investors Own NWFL

  • βœ“High-growth profile β€” revenue up +15.4% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 78% gross margin and 15% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

NWFL logo

NORWOOD FINANCIAL CORP

NWFL
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$136Mβ–² +34.2% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
63.6%β–² +33.4% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$35Mβ–Ό βˆ’13854.3% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$29Mβ–² +48.6% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
9.2Mβ–² +11.5% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$30Mβ–² +$93M YoY
StockOtter Β· stockotter.space

About NORWOOD FINANCIAL CORP

Norwood Financial Corp. functions as the holding entity for Wayne Bank, delivering a comprehensive suite of financial products and services. The institution facilitates a broad array of deposit options, encompassing both interest-bearing and non-interest-bearing checking accounts, alongside statement savings, money market accounts, and certificates of deposit. Its lending portfolio is extensive, featuring commercial loans such as credit lines, revolving credit facilities, term loans, business mortgages, secured lending products, and letters of credit. Norwood also extends financing for municipal projects, construction loans for both commercial developments and single-family homes, and land acquisition loans. Consumer credit and residential mortgage financing for primary and secondary residences are also key offerings. Furthermore, the company engages in indirect dealer financing for automobiles, boats, and recreational vehicles through dealerships. Beyond traditional banking, Norwood provides investment securities services, trust management, and a variety of contemporary cash management solutions. These include direct deposit, remote and mobile deposit capture, mobile payment processing, automated clearing house (ACH) transactions, real estate settlement support, and robust internet and mobile banking platforms. The corporation also diversifies its revenue through the sale of annuities and mutual funds, discount brokerage services, and an insurance agency operation. Catering to a wide client base, Norwood serves individual consumers, corporate entities, non-profit organizations, and local governments. Its operational footprint includes fourteen branch locations throughout Northeastern Pennsylvania and sixteen branches spanning Delaware, Sullivan, Ontario, Otsego, and Yates Counties in New York, supported by thirty-one automated teller machines. Established in 1870, Norwood Financial Corp. maintains its corporate headquarters in Honesdale, Pennsylvania.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Good
76/100

Analyst Ratings

β“˜
Consensus
Buy
8 analysts
Strong Buy2
Buy4
Hold2
Sell0
Strong Sell0
Ratings as of Sep 2026

Latest News & Updates

GlobeNewsWireΒ·5d ago

Norwood Financial Corp Announces Timing of Third Quarter 2026 Earnings Release and Conference Call

HONESDALE, Pa., Sept. 24, 2026 (GLOBE NEWSWIRE) -- Norwood Financial Corp (Nasdaq Global Market-NWFL) and its subsidiary, Wayne Bank, will release its third quarter 2026 financial results before market opens on Tuesday,

GlobeNewsWireΒ·13d ago

Norwood Financial Corp Announces Cash Dividend

HONESDALE, Pa., Sept. 16, 2026 (GLOBE NEWSWIRE) -- Norwood Financial Corp (NASDAQ Global Market - NWFL) and its subsidiary Wayne Bank, announced that the Board of Directors has declared a $0.32 per share cash dividend, w

Zacks Investment ResearchΒ·15d ago

Norwood Financial Corp. (NWFL) is a Top Dividend Stock Right Now: Should You Buy?

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Norwood Financial (NWFL) have what it takes?

Defense WorldΒ·27d ago

BlackRock Inc. Takes $24.96 Million Position in Norwood Financial Corp. $NWFL

BlackRock Inc. purchased a new stake in shares of Norwood Financial Corp. (NASDAQ: NWFL) during the second quarter, according to its most recent filing with the Securities and Exchange Commission. The firm purchased 776,

GlobeNewsWireΒ·Aug 28

Norwood Financial Corp Adopts Stock Repurchase Program

HONESDALE, Pa., Aug. 28, 2026 (GLOBE NEWSWIRE) -- Norwood Financial Corp (the β€œCompany”) (Nasdaq Global Market-NWFL), the holding company of Wayne Bank, today announced that its Board of Directors has adopted a stock rep

Zacks Investment ResearchΒ·Aug 28

This is Why Norwood Financial Corp. (NWFL) is a Great Dividend Stock

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Norwood Financial (NWFL) have what it takes?