Norwood Financial (NWFL) Stock Price, News & Analysis

Company Overview

Norwood Financial Corporation is a bank holding company headquartered in Honesdale, Pennsylvania. Through its subsidiary, Wayne Bank, the company provides community banking services to individuals, families, businesses and organizations.

Wayne Bank offers a range of deposit products, including checking, savings, money market and certificate of deposit accounts. Its lending activities include residential and commercial real estate loans, consumer loans, home equity financing and loans to small and mid-sized businesses. The bank also provides online and mobile banking, cash management and other financial services.

The company serves communities in northeastern Pennsylvania and the southern Tier and Catskills regions of New York through its branch network and digital banking channels. Wayne Bank has a history dating to the 19th century and operates with a community-focused banking model designed to support local households and businesses.

Key Stats

• Today's Range: $33.61 to $34.04
• 50-Day Range: $30.35 to $35.25
• 52-Week Range: $23.82 to $35.48
• Volume: 8,435 shs
• Average Volume: 32,585 shs
• Market Capitalization: $369.62 million
• P/E Ratio: 11.69
• Dividend Yield: 3.77%
• Price Target: $35.00
• Consensus Rating: Moderate Buy

Norwood Financial Stock Analysis - MarketRank™

Norwood Financial scored higher than 74% of companies evaluated by MarketBeat, and ranked 363rd out of 851 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: 1.9 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Norwood Financial has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on no strong buy ratings, 1 buy rating, 1 hold rating, and no sell ratings.

Upside/Downside

The consensus price target for Norwood Financial is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

Norwood Financial has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 11.82%

Earnings Growth

Earnings for Norwood Financial are expected to grow by 11.82% in the coming year, from $3.47 to $3.88 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Norwood Financial is 11.70, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.91.

Price to Earnings Ratio vs. Sector

The P/E ratio of Norwood Financial is 11.70, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.94.

Price to Book Value per Share Ratio

Norwood Financial has a P/B Ratio of 1.30. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

1.65% of the float of Norwood Financial has been sold short.

Short Interest Ratio / Days to Cover

Norwood Financial has a short interest ratio ("days to cover") of 5.35.

Change versus previous month

Short interest in Norwood Financial has recently increased by 7.63%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Leadership

Norwood Financial is a leading dividend payer. It pays a dividend yield of 3.73%, 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 44.14%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Norwood Financial will have a dividend payout ratio of 32.99% next year. This indicates that Norwood Financial will be able to sustain or increase its dividend.

News and Social Media

• Score: 2.8 / 5
• News Sentiment: 0.47

News Sentiment

Norwood Financial has a news sentiment score of 0.47. 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 lower news sentiment than the 0.69 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 3 news articles for Norwood Financial this week, compared to 2 articles on an average week.

MarketBeat Follows

1 people have added Norwood Financial to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 2.1 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, Norwood Financial insiders have bought 3.42% more of their company's stock than they have sold. Specifically, they have bought $107,105.00 in company stock and sold $103,560.00 in company stock.

Percentage Held by Insiders

8.10% of the stock of Norwood Financial is held by insiders.

Percentage Held by Institutions

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

Company Calendar

• Record date for 8/3 Dividend: 7/15/2026
• Ex-Dividend for 8/3 Dividend: 7/15/2026
• Last Earnings: 7/22/2026
• Dividend Payable: 8/03/2026
• Today: 9/25/2026
• Record date for 11/2 Dividend: 10/15/2026
• Ex-Dividend for 11/2 Dividend: 10/15/2026
• Next Earnings (Estimated): 10/28/2026
• Dividend Payable: 11/02/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:NWFL
• CIK: 1013272
• Web: www.wayne.bank
• Phone: (570) 253-8500
• Fax: 570-253-3725
• Employees: 281
• Year Founded: 1871

Price Target and Rating

• Average Price Target for Norwood Financial: $35.00
• High Price Target: $35.00
• Low Price Target: $35.00
• Potential Upside/Downside: +3.3%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.90
• Trailing P/E Ratio: 11.69
• Forward P/E Ratio: 9.77
• P/E Growth: N/A
• Net Income: $27.75 million
• Net Margins: 18.68%
• Pretax Margin: 23.55%
• Return on Equity: 12.88%
• Return on Assets: 1.27%

Debt

• Debt-to-Equity Ratio: 0.23
• Current Ratio: 0.91
• Quick Ratio: 0.91

Sales & Book Value

• Annual Sales: $136.15 million
• Price / Sales: 2.71
• Cash Flow: $3.23 per share
• Price / Cash Flow: 10.48
• Book Value: $26.14 per share
• Price / Book: 1.30

Miscellaneous

• Outstanding Shares: 10,900,000
• Free Float: 10,019,000
• Market Cap: $369.46 million
• Optionable: Not Optionable
• Beta: 0.54