Norwood Financial (NWFL) Stock Price, News & Analysis

Company Overview

Norwood Financial Corporation is the bank holding company for Norwood Bank, a community-oriented financial institution headquartered in Norwood, Massachusetts. Incorporated in 2010, the company oversees a network of branch offices serving suburban and metropolitan communities in eastern Massachusetts. Norwood Financial’s mission emphasizes personalized service, local decision-making and a commitment to supporting neighborhood growth.

The company’s primary business activities encompass a full suite of personal and commercial banking products and services. On the retail side, Norwood Financial offers checking and savings accounts, certificates of deposit, consumer loans, residential mortgages and home equity lines of credit. For business clients, the bank provides commercial lending, treasury management, deposit services and specialized financing solutions tailored to small and mid-sized enterprises.

Complementing its core banking operations, Norwood Financial delivers wealth management and trust services through affiliated advisors, helping clients address investment, retirement planning and estate needs. The company also partners with insurance professionals to offer property, casualty and life insurance products, further broadening its financial services platform.

With deep roots dating back to the 19th century, Norwood Bank has maintained a community-centric approach to banking. Its leadership team comprises seasoned banking executives and local community representatives who guide strategic initiatives aimed at fostering economic development and delivering long-term value to customers and shareholders.

Key Stats

• Today's Range: $26.73 to $27.06
• 50-Day Range: $23.93 to $27.06
• 52-Week Range: $21.25 to $34.50
• Volume: 17,154 shs
• Average Volume: 24,238 shs
• Market Capitalization: $249.56 million
• P/E Ratio: 112.30
• Dividend Yield: 4.60%
• Price Target: $28.50
• Consensus Rating: Hold

Norwood Financial Stock Analysis - MarketRank™

Norwood Financial scored higher than 55% of companies evaluated by MarketBeat, and ranked 628th out of 922 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: 1.2 / 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: 2.5 / 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 112.30, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 276.59.

Price to Earnings Ratio vs. Sector

The P/E ratio of Norwood Financial is 112.30, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 230.06.

Price to Book Value per Share Ratio

Norwood Financial has a P/B Ratio of 1.02. 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

1.98% 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 9.2.

Change versus previous month

Short interest in Norwood Financial has recently increased by 26.00%, 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 4.65%, 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 516.67%. 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

1.98% 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 9.2.

Change versus previous month

Short interest in Norwood Financial has recently increased by 26.00%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 3.1 / 5
• News Sentiment: 1.59

News Sentiment

Norwood Financial has a news sentiment score of 1.59. 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 0.95 average news sentiment score of Finance companies.

News Coverage This Week

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

Search Interest

Only 1 people have searched for NWFL on MarketBeat in the last 30 days. This is a decrease of 0% compared to the previous 30 days.

MarketBeat Follows

1 people have added Norwood Financial to their MarketBeat watchlist 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 $38,928.00 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 beginning of the year. Since then, NWFL shares have decreased by 0.9% and is now trading at $26.95.

How were Norwood Financial's earnings last quarter?

Norwood Financial Corp. (NASDAQ:NWFL) released its quarterly earnings data on Tuesday, July, 22nd. The financial services provider reported $0.67 EPS for the quarter, beating analysts' consensus estimates of $0.64 by $0.03. The financial services provider had revenue of $21.20 million for the quarter, compared to analyst estimates of $21.16 million. Norwood Financial had a net margin of 2.92% and a trailing twelve-month return on equity of 8.86%.

When did Norwood Financial's stock split?

Shares of Norwood Financial split on Monday, September 18th 2017.The 3-2 split was announced on Wednesday, August 9th 2017. The newly minted 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 shareholders include Geode Capital Management LLC (2.18%), Raymond James Financial Inc. (0.97%), Cetera Investment Advisers (0.67%) and Marshall Wace LLP (0.27%). Insiders that own company stock include Lewis J Critelli, William S Lance, Ronald R Schmalzle, James O Donnelly, Andrew Forte, John F Carmody, 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 8/1 Dividend: 7/15/2025
• Ex-Dividend for 8/1 Dividend: 7/15/2025
• Last Earnings: 7/22/2025
• Dividend Payable: 8/01/2025
• Today: 9/04/2025
• Next Earnings (Estimated): 10/27/2025
• 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: +5.8%
• Consensus Rating: Hold
• Rating Score (0-4): 2.33
• Research Coverage: 3 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.24
• Trailing P/E Ratio: 112.30
• Forward P/E Ratio: 10.74
• P/E Growth: N/A
• Net Income: -$160 thousand
• Net Margins: 2.92%
• Pretax Margin: 3.61%
• Return on Equity: 8.86%
• Return on Assets: 0.81%

Debt

• Debt-to-Equity Ratio: 0.38
• Current Ratio: 0.90
• Quick Ratio: 0.90

Sales & Book Value

• Annual Sales: $101.43 million
• Price / Sales: 2.46
• Cash Flow: $2.28 per share
• Price / Cash Flow: 11.83
• Book Value: $26.39 per share
• Price / Book: 1.02

Miscellaneous

• Outstanding Shares: 9,260,000
• Free Float: 8,419,000
• Market Cap: $249.56 million
• Optionable: Not Optionable
• Beta: 0.71