Norwood Financial (NWFL) Stock Price, News & Analysis

Company Overview

Norwood Financial Corp is a bank holding company headquartered in Norwood, Massachusetts, operating through its subsidiary Norwood Bank. The company specializes in community banking services, providing a full range of deposit and lending solutions to individuals, small businesses, and nonprofit organizations. With a focus on relationship-driven service, Norwood Financial seeks to address the financial needs of customers throughout Greater Boston and southeastern Massachusetts.

The company’s product offerings include personal and business checking and savings accounts, certificates of deposit, individual retirement accounts, and money market funds. On the lending side, Norwood Financial provides residential mortgage loans, home equity lines of credit, consumer installment loans, and commercial real estate financing. Additional services such as online and mobile banking platforms, treasury management tools, and cash management solutions support the operational needs of local businesses and nonprofits.

Founded in the late 19th century, Norwood Bank has grown from a single community storefront into a network of branch locations serving dozens of municipalities across the region. Throughout its history, the company has maintained a community-centric approach, reinvesting in local initiatives and supporting economic development programs. Norwood Financial’s origins as a mutual savings bank inform its ongoing commitment to personalized customer care and community engagement.

Governed by a board of directors composed of local civic and business leaders, Norwood Financial’s senior management team is led by experienced banking professionals with deep roots in the region. The company continues to pursue strategic growth initiatives, investing in digital capabilities and expanding its advisory services to strengthen customer relationships and support the evolving financial needs of its communities.

Key Stats

• Today's Range: $25.12 to $25.41
• 50-Day Range: $24.81 to $26.79
• 52-Week Range: $21.25 to $34.50
• Volume: 15,405 shs
• Average Volume: 15,697 shs
• Market Capitalization: $233.63 million
• P/E Ratio: 280.33
• Dividend Yield: 4.91%
• Price Target: $28.50
• Consensus Rating: Hold

Norwood Financial Stock Analysis - MarketRank™

Norwood Financial scored higher than 65% of companies evaluated by MarketBeat, and ranked 479th out of 933 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: 1.9 / 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 280.33, which means that it is trading at a more expensive P/E ratio than the market average P/E ratio of about 25.86.

Price to Earnings Ratio vs. Sector

The P/E ratio of Norwood Financial is 280.33, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 19.20.

Price to Book Value per Share Ratio

Norwood Financial has a P/B Ratio of 0.96. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.89% 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 3.2, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Norwood Financial has recently increased by 11.90%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 3.3 / 5
• Dividend Strength: Strong

Dividend Leadership

Norwood Financial is a leading dividend payer. It pays a dividend yield of 4.87%, 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

0.89% 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 3.2, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Norwood Financial has recently increased by 11.90%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.5 / 5
• News Sentiment: 0.43

News Sentiment

Norwood Financial has a news sentiment score of 0.43. 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 0.94 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 9 news articles for Norwood Financial this week, compared to 2 articles on an average week.

Search Interest

2 people have searched for NWFL on MarketBeat in the last 30 days.

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 at the start of the year. Since then, NWFL shares have decreased by 7.2% and is now trading at $25.23.

How were Norwood Financial's earnings last quarter?

Norwood Financial Corp. (NASDAQ:NWFL) released its quarterly earnings data on Thursday, April, 17th. The financial services provider reported $0.63 EPS for the quarter, beating the consensus estimate of $0.59 by $0.04. The financial services provider had revenue of $20.20 million for the quarter, compared to analysts' expectations of $20.60 million. Norwood Financial had a net margin of 1.12% and a trailing twelve-month return on equity of 8.35%.

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 created shares were issued 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.

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: 7/13/2025
• Record date for 8/1 Dividend: 7/15/2025
• Ex-Dividend for 8/1 Dividend: 7/15/2025
• Next Earnings (Estimated): 7/25/2025
• Dividend Payable: 8/01/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - NORTHEAST
• 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 Price Target for Norwood Financial: $28.50
• High Price Target: $31.00
• Low Price Target: $26.50
• Potential Upside/Downside: +13.0%
• Consensus Rating: Hold
• Rating Score (0-4): 2.33
• Research Coverage: 3 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.09
• Trailing P/E Ratio: 280.33
• Forward P/E Ratio: 10.05
• P/E Growth: N/A
• Net Income: -$160 thousand
• Net Margins: 1.12%
• Pretax Margin: 1.35%
• Return on Equity: 8.35%
• Return on Assets: 0.74%

Debt

• Debt-to-Equity Ratio: 0.54
• Current Ratio: 0.91
• Quick Ratio: 0.91

Sales & Book Value

• Annual Sales: $54.53 million
• Price / Sales: 4.28
• Cash Flow: $2.25 per share
• Price / Cash Flow: 11.20
• Book Value: $26.39 per share
• Price / Book: 0.96

Miscellaneous

• Outstanding Shares: 9,260,000
• Free Float: 8,417,000
• Market Cap: $233.63 million
• Optionable: Not Optionable
• Beta: 0.68