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NWFLNorwood Financial Corp.
$34.33$363M
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
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NWFL logo

Norwood Financial Corp.

NWFL
NASDAQ · Regional Banks
$34.33
At close - Sep 22, 4:00 PM EDT - USD
Market Cap$374M
P/E11.3x
52W High$35.48
Volume29.86K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q1

Aggressive Asset Growth Faces Margin Compression Headwinds

Norwood Financial Corp. is currently executing an aggressive balance sheet expansion strategy, evidenced by total assets growing to $2.9 billion in 2026Q1. While the bank has successfully improved its efficiency ratio to 35.5%, investors should remain cautious...

GrowthAccelerating
ProfitabilityModerate
ValuationAttractive
TechnicalsMixed
Explore valuation models
MARKET ACTION

NWFL price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

3/12 Beats

EPS beat 3 of last 12 quarters

02

Valuation risk

-25% Peers

P/E is 25% below peer median

03

Market leadership

RS 79 · Avg

Average momentum (RS Rating: 79)

04

Mixed Trend

Mixed

Price < 50DMA but > 200DMA

Next CatalystEstimated earnings · Oct 22

Market performance

Price History →

Trailing total returns as of 9/23/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
NWFL+26.04%
S&P 500 (^GSPC)+13.20%
1-Year Return
NWFL+36.09%
S&P 500 (^GSPC)+15.98%
3-Year Return
NWFL+45.00%
S&P 500 (^GSPC)+83.33%
5-Year Return
NWFL+58.11%
S&P 500 (^GSPC)+77.90%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y High
11.0x
Forward P/EExpansion
9.6x
EV/EBITDA40th %ile
10.7x
FCF YieldCash Flow
8.1%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
11.0x
9.3x
75th· Fair
EV/EBITDA
10.7x
10.9x
40th· Fair
Price/FCF
12.4x
9.4x
100th· High
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
No DCF Model AvailableIntrinsic value modeling is not supported for this equity.

Growth & profitability

Annual revenue & EPS trend
Revenue
$88M+72.3% YoY
Net income
$28M+17446.3% YoY
Free cash flow
$29M+48.6% YoY
Operating margin
26.1%+26.3 pts YoY
ROIC (TTM)7.3%
Avg ROIC 5Y-
ROE (TTM)12.2%
Piotroski Score7 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate3/12 (38%)
Revenue Beat Rate4/12 (50%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Jul 22, 2026
$0.86-0.6%
vs $0.86
$29M+4.5%
vs $28M
Q2 2026
Apr 27, 2026
$0.72-10.6%
vs $0.81
$27M-0.7%
vs $28M
Q2 2026
Mar 13, 2026
$0.81
vs —
$36M
vs —
Q1 2026
Jan 26, 2026
$0.38-55.3%
vs $0.85
$36M+51.3%
vs $24M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

5 Stories
GlobeNewsWire·Sep 16, 2026
Norwood Financial Corp Announces Cash Dividend

HONESDALE, Pa., Sept. 16, 2026 (GLOBE NEWSWIRE) -- Norwood Financial Corp (NASDAQ Global Market - NWFL) and its subsidiary Wayne Bank, announced that the Board of Directors has declared a $0.32 per share cash dividend, which is payable on November 2, 2026, to shareholders of record as of October 15, 2026.

Zacks Investment Research·Sep 14, 2026
Norwood Financial Corp. (NWFL) is a Top Dividend Stock Right Now: Should You Buy?

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Norwood Financial (NWFL) have what it takes?

Defense World·Sep 3, 2026
BlackRock Inc. Takes $24.96 Million Position in Norwood Financial Corp. $NWFL

BlackRock Inc. purchased a new stake in shares of Norwood Financial Corp. (NASDAQ: NWFL) during the second quarter, according to its most recent filing with the Securities and Exchange Commission. The firm purchased 776,358 shares of the financial services provider's stock, valued at approximately $24,960,000. BlackRock Inc. owned about 7.13% of Norwood Financial

GlobeNewsWire·Aug 28, 2026
Norwood Financial Corp Adopts Stock Repurchase Program

HONESDALE, Pa., Aug. 28, 2026 (GLOBE NEWSWIRE) -- Norwood Financial Corp (the “Company”) (Nasdaq Global Market-NWFL), the holding company of Wayne Bank, today announced that its Board of Directors has adopted a stock repurchase program.

Filtered for Norwood Financial Corp.More Headlines
04

Compare before deciding

Benchmark NWFL against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Norwood Financial Corp. (NWFL)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
NWFL logoNWFLNorwood Financial Corp.Current
$34.33$373.88M11.3372.29%20.39%12.18%3.65%
CZWI logoCZWICitizens Community Bancorp, Inc.
$21.63$208.6M14.82-9.39%14.64%6.77%—
NBTB logoNBTBNBT Bancorp Inc.
$50.85$2.64B15.2714.54%22.65%11.26%—
FXNC logoFXNCFirst National Corporation
$30.46$275.39M15.5433.46%18.47%11.57%—
FUNC logoFUNCFirst United Corporation
$43.67$281.84M11.588.34%20.89%12.7%—
ACNB logoACNBACNB Corporation
$63.94$652.96M17.7620.23%27.3%13.02%—

Compare NWFL vs Peers

Norwood Financial Corp. (NWFL) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs CZWI

Most directly comparable listed peer for NWFL.

Scale Benchmark

vs ICE

Larger-name benchmark to compare NWFL against a more recognizable public peer.

Peer Set

Compare Top 5

vs CZWI, NBTB, FXNC, FUNC

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

NWFL SEC Filings & Documents

Norwood Financial Corp. (NWFL) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Jul 27, 2026·SEC

Material company update

Jul 22, 2026·SEC

Material company update

Jun 18, 2026·SEC

10-K Annual Reports

2
FY 2026

Mar 13, 2026·SEC

FY 2025

Mar 14, 2025·SEC

10-Q Quarterly Reports

6
FY 2026

Aug 7, 2026·SEC

FY 2026

May 8, 2026·SEC

FY 2025

Nov 7, 2025·SEC

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NWFL Frequently Asked Questions

Norwood Financial Corp. (NWFL) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Norwood Financial Corp. growing?

Norwood Financial Corp. (NWFL) grew revenue by 72.3% over the past year. This is strong growth.

Is NWFL profitable?

Yes, Norwood Financial Corp. (NWFL) is profitable, generating $28.8M in net income for fiscal year 2025 (20.4% net margin).

Dividend & Returns
Does NWFL pay dividends?

Yes, Norwood Financial Corp. (NWFL) pays a dividend with a yield of 3.65%. This makes it attractive for income-focused investors.

What is NWFL's return on equity?

Norwood Financial Corp. (NWFL) has a return on equity (ROE) of 12.2%. This is reasonable for most industries.

Industry Metrics
What is Norwood Financial Corp.'s net interest margin?

Norwood Financial Corp. (NWFL) has a net interest margin (NIM) of 3.2%. This indicates healthy earnings from lending activities.

What is Norwood Financial Corp.'s efficiency ratio?

Norwood Financial Corp. (NWFL) has an efficiency ratio of 37.6%. This is excellent, indicating strong cost control.

What if you invested $1,000 in NWFL back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →