Norwood Financial (NWFL) Stock Price, News & Analysis

Company Overview

Norwood Financial Corp. operates as the bank holding company for Wayne Bank that provides various banking products and services. The company accepts a range of deposit products, including interest-bearing and non-interest-bearing transaction accounts, and statement savings and money market accounts, as well as certificate of deposits. It also provides commercial loans comprising 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; land loans; construction financing; 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 engages in the annuity and mutual fund sale, and discount brokerage activities, as well as insurance agency business. The company serves consumers, businesses, nonprofit organizations, and municipalities. It operates branches in Northeastern Pennsylvania; and in Delaware, Sullivan, Ontario, Otsego, and Yates Counties, New York, as well as automated teller machines. Norwood Financial Corp. was founded in 1870 and is headquartered in Honesdale, Pennsylvania.

Key Stats

• Today's Range: $25.22 to $25.60
• 50-Day Range: $21.67 to $26.90
• 52-Week Range: $21.25 to $34.50
• Volume: 7,911 shs
• Average Volume: 14,710 shs
• Market Capitalization: $235.48 million
• P/E Ratio: 2,543.00
• Dividend Yield: 4.88%
• Price Target: $28.17
• Consensus Rating: Hold

Norwood Financial Stock Analysis - MarketRank™

Norwood Financial scored higher than 64% of companies evaluated by MarketBeat, and ranked 516th out of 911 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.2 / 5
• Analyst Rating: Hold

Consensus Rating

Norwood Financial has received a consensus rating of Hold. The company's average rating score is 2.33, and is based on 1 buy rating, 2 hold ratings, and no sell ratings.

Amount of Analyst Coverage

Norwood Financial has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: 9.16%

Earnings Growth

Earnings for Norwood Financial are expected to grow by 9.16% in the coming year, from $2.51 to $2.74 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Norwood Financial is 2,543.00, which means that it is trading at a more expensive P/E ratio than the market average P/E ratio of about 24.52.

Price to Earnings Ratio vs. Sector

The P/E ratio of Norwood Financial is 2,543.00, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 22.25.

Price to Book Value per Share Ratio

Norwood Financial has a P/B Ratio of 1.13. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.70% of the outstanding shares of Norwood Financial have been sold short.

Short Interest Ratio / Days to Cover

Norwood Financial has a short interest ratio ("days to cover") of 2.9, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Norwood Financial has recently decreased by 46.76%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 3.3 / 5
• Dividend Strength: Strong

Dividend Leadership

Norwood Financial is a leading dividend payer. It pays a dividend yield of 4.83%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

Norwood Financial has been increasing its dividend for 7 years.

Dividend Coverage

The dividend payout ratio of Norwood Financial is 1,377.78%. Payout ratios above 75% are not desirable because they may not be sustainable.

Dividend Sustainability

Based on earnings estimates, Norwood Financial will have a dividend payout ratio of 45.26% next year. This indicates that Norwood Financial will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.70% of the outstanding shares of Norwood Financial have been sold short.

Short Interest Ratio / Days to Cover

Norwood Financial has a short interest ratio ("days to cover") of 2.9, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Norwood Financial has recently decreased by 46.76%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 2.6 / 5
• News Sentiment: N/A

News Sentiment

Norwood Financial has a news sentiment score of 1.67. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.99 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for Norwood Financial this week, compared to 1 article on an average week.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, Norwood Financial insiders have bought more of their company's stock than they have sold. Specifically, they have bought $26,812.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

Only 9.10% of the stock of Norwood Financial is held by insiders.

Percentage Held by Institutions

Only 28.08% of the stock of Norwood Financial is held by institutions.

NWFL Stock Analysis - Frequently Asked Questions

How have NWFL shares performed this year?

Norwood Financial's stock was trading at $27.20 on January 1st, 2025. Since then, NWFL stock has decreased by 6.5% and is now trading at $25.43.
View the best growth stocks for 2025 here.

How were Norwood Financial's earnings last quarter?

Norwood Financial Corp. (NASDAQ:NWFL) released its quarterly earnings results on Thursday, April, 17th. The financial services provider reported $0.63 earnings per share for the quarter, beating the consensus estimate of $0.59 by $0.04. The financial services provider earned $20.20 million during the quarter, compared to analysts' expectations of $20.60 million. Norwood Financial had a positive trailing twelve-month return on equity of 8.38% and a negative net margin of 0.16%.

When did Norwood Financial's stock split?

Norwood Financial shares split on the morning of Monday, September 18th 2017. The 3-2 split was announced on Wednesday, August 9th 2017. The newly issued shares were payable to shareholders after the market closes on Friday, September 15th 2017. An investor that had 100 shares of stock prior to the split would have 150 shares after the split.

Who are Norwood Financial's major shareholders?

Norwood Financial's top institutional investors include Wellington Management Group LLP (6.81%), Cetera Investment Advisers (0.66%), Jacobs Asset Management LLC (0.65%) and EJF Capital LLC (0.57%). Insiders that own company stock include Lewis J Critelli, Ronald R Schmalzle, William S Lance, James O Donnelly, John F Carmody, Andrew Forte, John Martin Mccaffery Jr and Jeffrey S Gifford.
View institutional ownership trends.

How do I buy shares of Norwood Financial?

Shares of NWFL stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Norwood Financial own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Norwood Financial investors own include Meta Platforms (META), NVIDIA (NVDA), Advanced Micro Devices (AMD), JPMorgan Chase & Co. (JPM), Tesla (TSLA), Visa (V) and Home Depot (HD).

Company Calendar

• Record date for 5/1 Dividend: 4/15/2025
• Ex-Dividend for 5/1 Dividend: 4/15/2025
• Last Earnings: 4/17/2025
• Dividend Payable: 5/01/2025
• Today: 5/25/2025
• Next Earnings (Estimated): 7/25/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: State commercial banks
• Sub-Industry: Banking
• Current Symbol: NASDAQ:NWFL
• CIK: 1013272
• Web: www.waynebank.com
• Phone: (570) 253-1455
• Fax: 570-253-3725
• Employees: 260
• Year Founded: 1871

Price Target and Rating

• Average Stock Price Target: $28.17
• High Stock Price Target: $31.00
• Low Stock Price Target: $25.50
• Potential Upside/Downside: +10.8%
• Consensus Rating: Hold
• Rating Score (0-4): 2.33
• Research Coverage: 3 Analysts

Profitability

• EPS (Most Recent Fiscal Year): $0.09
• Trailing P/E Ratio: 2,543.00
• Forward P/E Ratio: 10.13
• P/E Growth: N/A
• Net Income: $-160,000.00
• Net Margins: -0.16%
• Pretax Margin: 13.80%
• Return on Equity: 8.38%
• Return on Assets: 0.69%

Debt

• Debt-to-Equity Ratio: 0.74
• Current Ratio: 0.91
• Quick Ratio: 0.91

Sales & Book Value

• Annual Sales: $54.53 million
• Price / Sales: 4.32
• Cash Flow: $2.43 per share
• Price / Cash Flow: 10.45
• Book Value: $22.44 per share
• Price / Book: 1.13

Miscellaneous

• Outstanding Shares: 9,260,000
• Free Float: 7,356,000
• Market Cap: $235.48 million
• Optionable: Not Optionable
• Beta: 0.69