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: $29.55 to $30.69
• 50-Day Range: $27.95 to $31.36
• 52-Week Range: $23.70 to $32.23
• Volume: 5,089 shs
• Average Volume: 28,992 shs
• Market Capitalization: $323.65 million
• P/E Ratio: 10.97
• Dividend Yield: 4.31%
• Price Target: $33.00
• Consensus Rating: Hold

Norwood Financial Stock Analysis - MarketRank™

Norwood Financial scored higher than 84% of companies evaluated by MarketBeat, and ranked 283rd out of 875 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: 2.4 / 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 no strong buy ratings, 1 buy rating, 2 hold ratings, and no sell ratings.

Upside Potential

Norwood Financial has a consensus price target of $33.00, representing about 10.4% upside from its current price of $29.90.

Amount of Analyst Coverage

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

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 6.96%

Earnings Growth

Earnings for Norwood Financial are expected to grow by 6.96% in the coming year, from $3.45 to $3.69 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Norwood Financial is 11.03, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.48.

Price to Earnings Ratio vs. Sector

The P/E ratio of Norwood Financial is 11.03, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 23.28.

Price to Book Value per Share Ratio

Norwood Financial has a P/B Ratio of 1.14. 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

1.19% 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 5.92.

Change versus previous month

Short interest in Norwood Financial has recently increased by 15.77%, 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 4.20%, 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 47.23%. 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 34.69% next year. This indicates that Norwood Financial will be able to sustain or increase its dividend.

News and Social Media

• Score: 3.0 / 5
• News Sentiment: 0.85

News Sentiment

Norwood Financial has a news sentiment score of 0.85. 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 0.69 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 5 news articles for Norwood Financial this week, compared to 2 articles on an average week.

Company Ownership

• Score: 4.2 / 5
• Insider Trading: Acquiring Shares

Cluster Insider Buying

4 insiders have purchased shares of Norwood Financial in the last three months. Multiple insiders buying is a strong bullish signal.

Net Insider Buying

Over the last three months, insiders have purchased a net $68,364.00 in company stock, which represents 0.0210% of the company's market cap.

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 $68,364.00 in company stock and sold $0.00 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 5/1 Dividend: 4/15/2026
• Ex-Dividend for 5/1 Dividend: 4/15/2026
• Last Earnings: 4/27/2026
• Dividend Payable: 5/01/2026
• Today: 5/11/2026
• Next Earnings (Estimated): 7/28/2026
• Fiscal Year End: 12/31/2026

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: $33.00
• High Price Target: $33.00
• Low Price Target: $33.00
• Potential Upside/Downside: +11.0%
• Consensus Rating: Hold
• Rating Score (0-4): 2.33
• Research Coverage: 3 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.71
• Trailing P/E Ratio: 10.97
• Forward P/E Ratio: 8.61
• P/E Growth: N/A
• Net Income: $27.75 million
• Net Margins: 17.75%
• Pretax Margin: 25.72%
• Return on Equity: 13.09%
• Return on Assets: 1.28%

Debt

• Debt-to-Equity Ratio: 0.25
• Current Ratio: 0.90
• Quick Ratio: 0.90

Sales & Book Value

• Annual Sales: $95.00 million
• Price / Sales: 3.41
• Cash Flow: $3.19 per share
• Price / Cash Flow: 9.31
• Book Value: $26.14 per share
• Price / Book: 1.14

Miscellaneous

• Outstanding Shares: 10,890,000
• Free Float: 10,008,000
• Market Cap: $323.65 million
• Optionable: Not Optionable
• Beta: 0.56