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NORWOOD FINANCIAL CORP

NWFLNASDAQ
πŸ† #3032 by market capEarnings Jan 20US Equity
$35.88β–Ό $1.30 (βˆ’3.50%)
Market closed Β· at close
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24hβ–Ό 3.5%
7dβ–² 3.9%
14dβ–² 7.8%
30dβ–² 7.3%
ytdβ–² 25.1%
1yβ–² 36.4%
🏦Market Cap
$391M
Small Cap
πŸ“ˆRevenue Growth (YoY)
β€”
πŸ“ŠGross Margin
β€”
πŸ’΅FCF Margin
β€”
βš–οΈP/S Ratio
β€”
Otter Score
β€”
Insufficient data

Trading Snapshot

Day Range
$35.52 – $37.39
52-Week Range
$25.50 – $37.38
Volume (shares)
42,706
Avg Volume (shares)
β€”
Shares Outstanding
10.9M
Next Earnings
2027-01-20

Fundamentals Snapshot

Annual Revenue
$136M
Last Q Revenue
$43M
P/E Ratio
13.7
P/S Ratio
β€”
EPS (TTM)
$2.89
Dividend Yield
3.23%
Dilution (1yr)
+11.5%
NWFL logo

NORWOOD FINANCIAL CORP

NWFL
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$136Mβ–² +34.2% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
63.6%β–² +33.4% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$35Mβ–Ό βˆ’13854.3% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$29Mβ–² +48.6% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
9.2Mβ–² +11.5% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$30Mβ–² +$93M YoY
StockOtter Β· stockotter.space

About NORWOOD FINANCIAL CORP

Norwood Financial Corp. functions as the holding entity for Wayne Bank, delivering a comprehensive suite of financial products and services. The institution facilitates a broad array of deposit options, encompassing both interest-bearing and non-interest-bearing checking accounts, alongside statement savings, money market accounts, and certificates of deposit. Its lending portfolio is extensive, featuring commercial loans such as credit lines, revolving credit facilities, term loans, business mortgages, secured lending products, and letters of credit. Norwood also extends financing for municipal projects, construction loans for both commercial developments and single-family homes, and land acquisition loans. Consumer credit and residential mortgage financing for primary and secondary residences are also key offerings. Furthermore, the company engages in indirect dealer financing for automobiles, boats, and recreational vehicles through dealerships. Beyond traditional banking, Norwood provides investment securities services, trust management, and a variety of contemporary cash management solutions. These include direct deposit, remote and mobile deposit capture, mobile payment processing, automated clearing house (ACH) transactions, real estate settlement support, and robust internet and mobile banking platforms. The corporation also diversifies its revenue through the sale of annuities and mutual funds, discount brokerage services, and an insurance agency operation. Catering to a wide client base, Norwood serves individual consumers, corporate entities, non-profit organizations, and local governments. Its operational footprint includes fourteen branch locations throughout Northeastern Pennsylvania and sixteen branches spanning Delaware, Sullivan, Ontario, Otsego, and Yates Counties in New York, supported by thirty-one automated teller machines. Established in 1870, Norwood Financial Corp. maintains its corporate headquarters in Honesdale, Pennsylvania.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)

Insufficient data for all five components.

⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Insufficient data
β€”/100

Analyst Ratings

β“˜
Consensus
Buy
8 analysts
Strong Buy2
Buy4
Hold2
Sell0
Strong Sell0
Ratings as of Oct 2026

Latest News & Updates

Seeking AlphaΒ·1d ago

Norwood Financial Corp. (NWFL) Q3 2026 Earnings Call Transcript

Norwood Financial Corp. (NWFL) Q3 2026 Earnings Call Transcript

MarketBeatΒ·1d ago

What Norwood Financial (NWFL) Said on Its Q3 Earnings Call

Norwood Financial NASDAQ: NWFL reported record third-quarter earnings and net interest income as the company continued to benefit from its Presence Bank acquisition, expanded net interest margin and reduced exposure tied

Zacks Investment ResearchΒ·1d ago

Norwood Financial (NWFL) Reports Q3 Earnings: What Key Metrics Have to Say

While the top- and bottom-line numbers for Norwood Financial (NWFL) give a sense of how the business performed in the quarter ended September 2026, it could be worth looking at how some of its key metrics compare to Wall

Zacks Investment ResearchΒ·1d ago

Norwood Financial Corp. (NWFL) Surpasses Q3 Earnings and Revenue Estimates

Norwood Financial Corp. (NWFL) came out with quarterly earnings of $1.08 per share, beating the Zacks Consensus Estimate of $0.95 per share. This compares to earnings of $0.94 per share a year ago.

GlobeNewsWireΒ·1d ago

Norwood Financial Corp announces Third Quarter Financial Results

Quarterly Highlights: Record net income of $11.8 million. Record net interest income of $28.0 million.

Zacks Investment ResearchΒ·8d ago

Norwood Financial Corp. (NWFL) Reports Next Week: Wall Street Expects Earnings Growth

Norwood Financial (NWFL) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.