NWFL logo

NORWOOD FINANCIAL CORP

NWFLNASDAQ
πŸ† #2630 by market capEarnings Oct 28US Equity
$34.24β–² $0.75 (+2.18%)
Market closed Β· at close
1hβ€”
24hβ–² 2.2%
7dβ–² 0.1%
14dβ–² 0.8%
30dβ–² 9.4%
1yβ–² 36.5%
🏦Market Cap
$373M
Small Cap
πŸ“ˆRevenue Growth (YoY)
+34.2%
High Growth
πŸ“ŠGross Margin
62.5%
High
πŸ’΅FCF Margin
23.9%
Strong
βš–οΈP/S Ratio
2.6x
Cheap
Otter Score
56
Weak

Trading Snapshot

Day Range
$33.82 – $34.70
52-Week Range
$23.82 – $35.45
Volume
$2.91B
Avg Volume
$2.44B
Shares Outstanding
10.9M
Next Earnings
Oct 18, 2026

Fundamentals Snapshot

Annual Revenue
$136M
Last Q Revenue
$43M
P/E Ratio
10.9
P/S Ratio
2.6x
EPS (TTM)
$3.15
Dividend Yield
3.71%

Why Investors Own NWFL

  • βœ“High-growth profile β€” revenue up +15.4% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 78% gross margin and 15% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)
$136Mβ–² +13.8% YoY
Gross Margin (TTM)
77.8%β–² +2.6% YoY
Operating Income (TTM)
$20Mβ–² +13.8% YoY
Free Cash Flow (TTM)
$20Mβ–² +13.8% YoY

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

β“˜
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
Overall Score
Weak
56/100

Analyst Price Target

β“˜
Average Target
$36.86
β–² +7.7% Upside
High Target$44.15
Low Target$34.53
Based on 32 analysts

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