Stock Evaluator: Norwood Financial Corp. (NWFL)

Norwood Financial Corp. NWFL

$33.99 0.29 0.86%
July 31, 2026 4:00:00 PM EST November 10, 2021 Volume: 42,161
After Hours: $120.37   0.15  |  0.12% November 10, 2021 7:59 PM EST Volume: 72,713
USD NASD | DELAYED PRICE
SECTOR INDUSTRY
Financials Banks

A+ Stock Grade Summary:

VALUE:
GROWTH:
MOMENTUM:
EPS REVISIONS:
QUALITY:
COMPANY SUMMARY
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.

Commentary & Analysis


Financial Summary

Share Statistics NWFL Industry
Median
Percentile
(All Stocks)
Market Cap (Mil) $368.1 $716.9 34%
Shares Out (Mil) 10.8 15.7 21%
Institutional Ownership 82.6% 83.0% 51%
Float (Mil) 9.8 21.2 19%
Beta 0.53 0.48 30%
Avg Daily Volume (000s) 43 53 27%
Price Change
(52-week)
41.4% 96.7% 76%
Growth NWFL Industry
Median
Percentile
(All Stocks)
Sales (5yr) 10.3% 7.6% 59%
Net Income (5yr) 13.0% 11.1% 60%
EPS (5yr) 7.5% 10.1% 42
Dividends (5yr) 4.4% 3.6% 83%
Cash Flow (5yr) (17.4%) (17.0%) 40%
Estimates Qtrly Current
Fiscal
Year
Next
Fiscal
Year
# of Estimates 2 2 2
Current EPS $0.955 $3.305 $3.850
Month Ago EPS $0.920 $3.425 $3.685
# Rev Up 0 1 1
# Rev Down 0 0 0
Three Months Ago EPS $0.910 $3.400 $3.665
Year/Year Chg 176.0% 9.9% na
Financials NWFL Industry
Median
Percentile
(All Stocks)
Sales (TTM) (Mil) $93 $190 26%
Net Income (TTM) (Mil) $26 $51 51%
EPS (TTM) $2.673 $2.500 77%
Operating Cash Flow (TTM) (Mil) $31 $34 44%
Net Cash Flow (TTM) (Mil) $27 $1 65%
Long-Term Debt (Q1) (Mil) $58 $100 40%
Enterprise Value (Q1) (Mil) na $0 na
Valuation NWFL Industry
Median
Percentile
(All Stocks)
P/B 1.30 1.27 33%
P/E 12.7 12.9 27%
Dividend Yield 3.8% 2.2% 89%
PEG (5yr hist) 1.7 1.1 62%
Ratios NWFL Industry
Median
Percentile
(All Stocks)
Gross Margin na 68.8% na
Net Margin 28.9% 28.9% 88%
ROA 1.0% 1.0% 46%
ROE 10.2% 11.1% 58%
Liabilities to Assets 90.3% 89.8% 86%
F-Score 5 4 na

Norwood Financial Corp. did not pass any screens on 7/31/2026.

Price and market data provided by QuoteMedia and delayed a minimum of 15 minutes unless otherwise indicated. Fundamental data provided by AAII's Stock Investor Pro and S&P Global Market Intelligence and are updated through the previous trading day.

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