Trailing Dividend / Share
$1.25
Norwood Financial Corp. (NWFL) Dividend History
Income profile from 1998 to 2026 with payout safety and yield-on-cost trend
Dividend Yield
4.1%
Payout Ratio
41.4%
Sustainable
Dividend Streak
26 years
NWFL Dividend Income Check
Safety
41.4% payout ratio with sustainable safety profile.
Consistency
26 straight years of dividend increases.
Income Trend
Yield on cost is 4.8% and trend is rising.
NWFL Dividend Scorecard
Yield & Income
Dividend Yield4.1%
Trailing DPS$1.25
FrequencySemi-Annual
Payments / 12M4
Payout Safety
Earnings Payout41.4%
Earnings SafetySustainable
FCF Payout38.0%
FCF SafetyWell Covered
Piotroski F-Score7/9
Growth
Growth Streak26 years
3Y CAGR3.5%
5Y CAGR4.4%
Yield on Cost (5Y)4.8%
YOC Trendrising
Total Returns
Buyback Yield0.1%
Total Shareholder Yield4.2%
1Y Total Return27.0%
5Y Total Return44.6%
Div Contribution (5Y)23.2%
Estimated $10K growth (return + dividends):
5Y ago$14,45810Y ago$22,11220Y ago$24,890
Uses precomputed total return metrics from screening data (not lot-by-lot dividend reinvestment transactions). Different time windows can produce different outcomes depending on market regime and entry point.
NWFL Income Growth Story
Dividend per share and yield on cost over time (29 years of payments)
NWFL Dividend Safety Story
EPS is the container — dividend is what's drawn out
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Dividend Analysis
Payout Safety
Norwood Financial Corp. distributes 41.4% of earnings as dividends (Sustainable). When measured against free cash flow—a stricter test—the payout ratio stands at 38.0%, rated "Well Covered".
Piotroski F-Score: 7/9 — strong financial health.
Growth Track Record
NWFL has raised its dividend for 26 consecutive years, with a 3-year CAGR of 3.5% and 5-year CAGR of 4.4%.
Total Shareholder Returns
Beyond cash dividends, NWFL returns capital through share repurchases. The combined picture: 4.1% dividend yield, 0.1% buyback yield, 4.2% total shareholder yield.
Income Trend & Total Return
Yield on cost (5-year basis) has reached 4.8% and is currently rising. The 5-year total return is 44.6%, with dividends contributing 23.2% of that performance.
DRIP Growth
A $10,000 investment made 10 years ago with dividends reinvested would have grown to approximately $22,112 today.
NWFL Recent Dividend Payments
Last 20 payments · Semi-Annual
TTM Total$5.88
Avg/Payment$0.2940
| Ex-Date | Amount | Change | Yield % | Payment Date |
|---|---|---|---|---|
| Apr 15, 2026Latest | $0.3200 | — | 4.08% | May 1, 2026 |
| Jan 15, 2026 | $0.3200 | ↑ +3.2% | 4.42% | Feb 2, 2026 |
| Oct 15, 2025 | $0.3100 | — | 5.02% | Nov 3, 2025 |
| Jul 15, 2025 | $0.3100 | — | 4.98% | Aug 1, 2025 |
| Apr 15, 2025 | $0.3100 | — | 5.39% | May 1, 2025 |
| Jan 15, 2025 | $0.3100 | ↑ +3.3% | 4.53% | Feb 3, 2025 |
| Oct 18, 2024 | $0.3000 | — | 4.19% | Nov 1, 2024 |
| Jul 15, 2024 | $0.3000 | — | 4.36% | Aug 1, 2024 |
NWFL Dividend vs Peers
Comparable companies in the same industry
#2 yield in peer group
Div Yield
4.1%
#2 of 9
Safety
Sustainable
41.4% payout
Streak
26Y
4.4% 5Y CAGR
Total Shareholder
4.2%
#4 of 9
| Company | Mkt Cap | Yield | Payout | Streak | Safety |
|---|---|---|---|---|---|
2nd NWFLNorwood Financial Co… | $284M | 4.1% | 41.4% | 26 | Sustainable |
 CZWICitizens Community B… | $205M | 1.7% | 25.0% | 6 | Sustainable |
 NBTBNBT Bancorp Inc. | $2.4B | 3.1% | 42.9% | 13 | Sustainable |
 FXNCFirst National Corpo… | $265M | 2.1% | 31.2% | 11 | Sustainable |
 FUNCFirst United Corpora… | $277M | 2.2% | 24.3% | 7 | Sustainable |
 ACNBACNB Corporation | $592M | 2.4% | 38.8% | 8 | Sustainable |
1st  FMNBFarmers National Ban… | $556M | 4.8% | 46.7% | 0 | Sustainable |
 CZFSCitizens Financial S… | $327M | 2.9% | 26.1% | 4 | Sustainable |
3rd  PFISPeoples Financial Se… | $623M | 3.9% | 41.6% | 9 | Sustainable |
NWFL Annual Dividend History (1995–2026)
32 years of dividend data
GrowthDecline
| Year | DPS | YoY | Pmts | EPS | Payout | Coverage | YOC |
|---|---|---|---|---|---|---|---|
| 2026YTD | $0.64 | — | 2 | — | — | — | 2.5% |
| 2025 | $1.24 | 3.3% | 4 | $3.03 | 40.9% | 2.44x | 4.8% |
| 2024 | $1.20 | 3.4% | 4 | $-0.02 | — | — | 4.7% |
| 2023 | $1.16 | 3.6% | 4 | $2.07 | 56.0% | 1.78x | 4.5% |
| 2022 | $1.12 | 7.7% | 4 | $3.58 | 31.3% | 3.20x | 4.4% |
| 2021 | $1.04 | 4.0% | 4 | $3.04 | 34.2% | 2.92x | 4.1% |
| 2020 | $1.00 | 4.2% | 4 | $2.09 | 47.8% | 2.09x | 3.9% |
| 2019 | $0.96 | 9.1% | 4 | $2.24 | 42.9% | 2.33x | 3.7% |
| 2018 | $0.88 | 2.3% | 4 | $2.17 | 40.6% | 2.47x | 3.4% |
| 2017 | $0.86 | 4.0% | 4 | $1.31 | 65.6% | 1.52x | 3.4% |
Consensus-Based Analysis Tools
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
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Historical Returns
28+ years return with dividends reinvested.
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DCA Calculator
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Peer Comparison
Compare growth, multiples, and margins vs sector.
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NWFL — Frequently Asked Questions
Quick answers to the most common questions about buying NWFL stock.
How much dividend does NWFL pay per share?
Norwood Financial Corp. (NWFL) pays a trailing 12-month dividend of $1.25 per share, with a current dividend yield of +4.1%. Payments are made Semi-Annual.
When is NWFL's next ex-dividend date?
NWFL's most recent ex-dividend date is N/A. You must own shares before the ex-dividend date to receive the next payment. NWFL typically pays dividends Semi-Annual.
Is NWFL's dividend safe?
NWFL's dividend safety is rated "Sustainable" based on an earnings payout ratio of +41.4% and FCF payout ratio of +38.0%. With 26 consecutive years of dividend growth, the track record supports sustainability.
Is NWFL a Dividend Aristocrat?
Yes, Norwood Financial Corp. is classified as a Dividend Aristocrat with 26 consecutive years of dividend increases. The 5-year dividend CAGR is +4.4%, demonstrating modest dividend growth.
How often does NWFL pay dividends?
Norwood Financial Corp. pays dividends Semi-Annual. The trailing 12-month total is $1.25 per share. Dividend data on this page covers 28+ years from 1998 to 2026.
How much would $10,000 invested in NWFL grow with dividend reinvestment?
With dividends reinvested (DRIP), $10,000 invested in NWFL five years ago would be worth approximately $14,458 today. This includes both price appreciation and compounded dividend reinvestment. Use the DRIP calculator above for other time periods.
What is NWFL's yield on cost for long-term holders?
NWFL's yield on cost — the current dividend divided by the original purchase price — is +4.8% for a 5-year holding period. This means long-term holders earn a higher effective yield than today's +4.1% market yield, thanks to consistent dividend growth.