NWFL
Neutral signalScored 2026-09-07 Drivers: fundamentals. Moteurs : fondamentaux.
Research, not advice.
À propos
Norwood Financial Corp.
- Nom
- Norwood Financial Corp.
- Secteur
- Financial Services
- Industrie
- Banks - Regional
- Bourse
- NASDAQ
- Capitalisation
- $379.1M
- Employés
- 275
- PDG
- James O. Donnelly
- Site web
- https://wayne.bank
- Marché
- CHMGCZFSFDBCFINWFRSTFUNC
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.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
ACHAT TOTAL: 3 100 titres (~107 105,00 $ US)
- Insiders
- Shook James
- Total bought
-
$107,105
Avg buy (VWAP, 90d window) $34.55 vs last close —
- Total sold
-
$10,402
Avg sell (VWAP, 90d window) $34.67 vs last close —
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
- Last activity
- 2026-07-28
- Last synced
-
2026-10-19 22:02:11
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-09-02 | O'Bell Vincent | Sell · S | 300 | $34.67 | $10,402 | Form 4 |
| 2026-07-28 | Shook James | Buy · P | 3,100 | $34.55 | $107,105 | Form 4 |
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Signal
Neutral signalScored 2026-09-07 Drivers: fundamentals. Moteurs : fondamentaux.
NWFL presents a mixed picture: while the insider buy post-Q2 earnings and strong fundamental trend recovery (score 75) are encouraging, the critically low liquidity ratios (current/quick at 0.156) and interest coverage…
The first sentence of the analysis written for NWFL on 2026-09-07 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Supports a bullish reading. Open-market purchases outweigh sales
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Narrative Unavailable or mixed. Stored narrative reading is in the neutral band
- Timing Unavailable or mixed. No stored price series
- Financial indicators Unavailable or mixed. Current ratio 0.16 · operating margin 26% — readings disagree
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 63.6% | 47.7% | 62.4% | 90.5% | 87.5% | |
| Ebit Margin | 26.1% | -0.3% | 20.4% | 42.5% | 38.9% | |
| Ebitda Margin | 27.1% | 1.1% | 21.8% | 44.3% | 40.9% | |
| Operating Profit Margin | 26.1% | -0.3% | 20.4% | 42.5% | 38.9% | |
| Pretax Profit Margin | 25.7% | -0.3% | 20.4% | 42.5% | 38.9% | |
| Continuous Operations Profit Margin | 20.4% | -0.2% | 16.2% | 34.2% | 31.4% | |
| Net Profit Margin | 20.4% | -0.2% | 16.2% | 34.2% | 31.4% | |
| Bottom Line Profit Margin | 20.4% | -0.2% | 16.2% | 34.2% | 31.4% | |
| Current Ratio | 0.156 | 0.239 | 0.252 | 0.246 | 0.341 | |
| Quick Ratio | 0.156 | 0.239 | 0.252 | 0.246 | 0.341 | |
| Solvency Ratio | 0.013 | 0.001 | 0.009 | 0.016 | 0.014 | |
| Cash Ratio | 0.021 | 0.036 | 0.035 | 0.017 | 0.114 | |
| Price To Earnings Ratio | 9.257 | -1,360.500 | 15.822 | 9.315 | 8.521 | |
| Price To Earnings Growth Ratio | -0.001 | 13.475 | -0.376 | 0.526 | 0.186 | |
| Forward Price To Earnings Growth Ratio | -0.001 | 13.475 | -0.376 | 0.526 | 0.186 | |
| Price To Earnings Diluted Ratio | 9.257 | -1,360.500 | 15.899 | 9.341 | 8.549 | |
| Price To Earnings Diluted Growth Ratio | -0.001 | 13.475 | -0.377 | 0.526 | 0.188 | |
| Price To Book Ratio | 1.061 | 1.020 | 1.464 | 1.629 | 1.035 | |
| Price To Sales Ratio | 1.888 | 2.146 | 2.558 | 3.179 | 2.676 | |
| Price To Free Cash Flow Ratio | 8.788 | 11.061 | 9.333 | 9.520 | 7.607 | |
| Price To Operating Cash Flow Ratio | 7.567 | 9.544 | 8.891 | 8.853 | 7.279 | |
| Debt To Assets Ratio | 0.031 | 0.084 | 0.076 | 0.085 | 0.044 | |
| Debt To Equity Ratio | 0.306 | 0.913 | 0.930 | 1.037 | 0.442 | |
| Debt To Capital Ratio | 0.234 | 0.477 | 0.482 | 0.509 | 0.307 | |
| Long Term Debt To Capital Ratio | 0.108 | 0.219 | 0.278 | 0.193 | 0.128 | |
| Financial Leverage Ratio | 10.014 | 10.854 | 12.156 | 12.252 | 10.077 | |
| Working Capital Turnover Ratio | -0.082 | -0.069 | -0.073 | -0.066 | -0.065 | |
| Operating Cash Flow Ratio | 0.016 | 0.011 | 0.016 | 0.016 | 0.016 | |
| Operating Cash Flow Sales Ratio | 0.249 | 0.225 | 0.288 | 0.359 | 0.368 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.861 | 0.863 | 0.953 | 0.930 | 0.957 | |
| Debt Service Coverage Ratio | 0.320 | 0.007 | 0.138 | 0.219 | 0.398 | |
| Interest Coverage Ratio | 0.736 | -0.005 | 0.632 | 5.006 | 5.360 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.760 | 0.169 | 0.303 | 0.231 | 0.480 | |
| Operating Cash Flow Coverage Ratio | 0.458 | 0.117 | 0.177 | 0.177 | 0.321 | |
| Capital Expenditure Coverage Ratio | 7.196 | 7.294 | 21.122 | 14.275 | 23.210 | |
| Dividend Paid And Capex Coverage Ratio | 2.096 | 1.775 | 2.754 | 2.717 | 2.980 | |
| Dividend Payout Ratio | 0.414 | -60.744 | 0.562 | 0.313 | 0.343 | |
| Enterprise Value Multiple | 7.759 | 304.024 | 16.250 | 10.893 | 2.978 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 63.6% | ▲16.0% | ▼-6.7% |
| Ebit Margin | 26.1% | ▲26.3% | ▲0.5% |
| Ebitda Margin | 27.1% | ▲26.0% | ▲0.1% |
| Operating Profit Margin | 26.1% | ▲26.3% | ▲0.5% |
| Pretax Profit Margin | 25.7% | ▲26.0% | ▲0.3% |
| Continuous Operations Profit Margin | 20.4% | ▲20.5% | 0.0% |
| Net Profit Margin | 20.4% | ▲20.5% | 0.0% |
| Bottom Line Profit Margin | 20.4% | ▲20.5% | 0.0% |
| Current Ratio | 0.156 | ▼-0.082 | ▼-0.090 |
| Quick Ratio | 0.156 | ▼-0.082 | ▼-0.090 |
| Solvency Ratio | 0.013 | ▲0.013 | ▲0.003 |
| Cash Ratio | 0.021 | ▼-0.015 | ▼-0.024 |
| Price To Earnings Ratio | 9.257 | ▲1369.757 | ▲272.774 |
| Price To Earnings Growth Ratio | -0.001 | ▼-13.476 | ▼-2.763 |
| Forward Price To Earnings Growth Ratio | -0.001 | ▼-13.476 | ▼-2.763 |
| Price To Earnings Diluted Ratio | 9.257 | ▲1369.757 | ▲272.748 |
| Price To Earnings Diluted Growth Ratio | -0.001 | ▼-13.475 | ▼-2.763 |
| Price To Book Ratio | 1.061 | ▲0.042 | ▼-0.180 |
| Price To Sales Ratio | 1.888 | ▼-0.258 | ▼-0.601 |
| Price To Free Cash Flow Ratio | 8.788 | ▼-2.273 | ▼-0.474 |
| Price To Operating Cash Flow Ratio | 7.567 | ▼-1.978 | ▼-0.860 |
| Debt To Assets Ratio | 0.031 | ▼-0.053 | ▼-0.033 |
| Debt To Equity Ratio | 0.306 | ▼-0.607 | ▼-0.419 |
| Debt To Capital Ratio | 0.234 | ▼-0.243 | ▼-0.167 |
| Long Term Debt To Capital Ratio | 0.108 | ▼-0.111 | ▼-0.077 |
| Financial Leverage Ratio | 10.014 | ▼-0.841 | ▼-1.057 |
| Working Capital Turnover Ratio | -0.082 | ▼-0.013 | ▼-0.011 |
| Operating Cash Flow Ratio | 0.016 | ▲0.004 | ▲0.001 |
| Operating Cash Flow Sales Ratio | 0.249 | ▲0.025 | ▼-0.048 |
| Free Cash Flow Operating Cash Flow Ratio | 0.861 | ▼-0.002 | ▼-0.052 |
| Debt Service Coverage Ratio | 0.320 | ▲0.313 | ▲0.103 |
| Interest Coverage Ratio | 0.736 | ▲0.741 | ▼-1.610 |
| Short Term Operating Cash Flow Coverage Ratio | 0.760 | ▲0.591 | ▲0.371 |
| Operating Cash Flow Coverage Ratio | 0.458 | ▲0.341 | ▲0.208 |
| Capital Expenditure Coverage Ratio | 7.196 | ▼-0.097 | ▼-7.423 |
| Dividend Paid And Capex Coverage Ratio | 2.096 | ▲0.320 | ▼-0.369 |
| Dividend Payout Ratio | 0.414 | ▲61.158 | ▲12.236 |
| Enterprise Value Multiple | 7.759 | ▼-296.265 | ▼-60.622 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $257.0M | $217.7M | $265.2M | $272.1M | $212.5M | |
| Enterprise value | $286.7M | $340.2M | $367.3M | $413.5M | $96.7M | |
| EV / Sales | 2.11x | 3.35x | 3.54x | 4.83x | 1.22x | |
| EV / Op. cash flow | 8.44x | 14.92x | 12.32x | 13.45x | 3.31x | |
| EV / Free cash flow | 9.80x | 17.29x | 12.93x | 14.47x | 3.46x | |
| EV / EBITDA | 7.76x | 304.02x | 16.25x | 10.89x | 2.98x | |
| Net debt / EBITDA | 0.80x | 109.49x | 4.52x | 3.72x | -3.57x | |
| Current ratio | 0.16x | 0.24x | 0.25x | 0.25x | 0.34x | |
| Income quality | 1.22x | -142.54x | 1.78x | 1.05x | 1.17x | |
| Graham number | $42 | — | $32 | $41 | $41 | |
| Graham net-net | -$202 | -$203 | -$191 | -$175 | -$152 | |
| Tax burden | 79.3% | 62.0% | 79.3% | 80.3% | 80.7% | |
| Interest burden | 98.7% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | -$1.80B | -$1.53B | -$1.42B | -$1.41B | -$1.20B | |
| Invested capital | -$1.75B | -$1.48B | -$1.38B | -$1.36B | -$1.15B | |
| Return on assets | 1.1% | -0.0% | 0.8% | 1.4% | 1.2% | |
| Operating ROA | 1.5% | -0.0% | 1.0% | 1.8% | 1.6% | |
| Return on tangible assets | 1.2% | -0.0% | 0.8% | 1.4% | 1.2% | |
| Return on equity | 11.5% | -0.1% | 9.3% | 17.5% | 12.1% | |
| Return on invested capital | 8.4% | -0.0% | 4.2% | 9.2% | 8.0% | |
| Return on capital employed | 12.3% | -0.1% | 7.1% | 19.8% | 12.4% | |
| Earnings yield | 10.8% | -0.1% | 6.3% | 10.7% | 11.7% | |
| Free cash flow yield | 11.4% | 9.0% | 10.7% | 10.5% | 13.1% | |
| Capex / Op. cash flow | 13.9% | 13.7% | 4.7% | 7.0% | 4.3% | |
| Capex / Depreciation | 321.3% | 227.1% | 96.7% | 137.0% | 78.4% | |
| Capex / Sales | 3.5% | 3.1% | 1.4% | 2.5% | 1.6% | |
| SG&A / Sales | 22.6% | 26.9% | 24.3% | 27.1% | 27.4% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.6% | 0.7% | 0.8% | 0.7% | 0.7% | |
| Intangibles / Total assets | 1.2% | 1.3% | 1.3% | 1.4% | 1.4% | |
| Days sales outstanding | 25d | 30d | 29d | 29d | 27d | |
| Days payables outstanding | 89d | 87d | 98d | 119d | 44d | |
| Operating cycle | 25d | 30d | 29d | 29d | 27d | |
| Cash conversion cycle | -65d | -56d | -70d | -89d | -17d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years
Employee count
Peer market caps
Recent news
- 2026-10-16 Why Norwood Financial Corp. (NWFL) is a Great Dividend Stock Right Now 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?
- 2026-10-09 2 Solid Dividends That Pay You Soon But the Clock Is Ticking Two bank dividends are closing their collection windows within days, but one of them carries a warning sign that most yield hunters will overlook until it is too late.
- 2026-10-01 T-Bills Guarantee the Rate. These 6 Dividend Stocks Can Actually Grow the Paycheck Treasury bills lock in your rate the moment you buy, which sounds like a feature until you realize a dividend can do something a bill never will. Six income stocks reveal exactly where that tradeoff gets complicated.
- 2026-09-30 Why Norwood Financial Corp. (NWFL) is a Top Dividend Stock for Your Portfolio 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?
- 2026-09-24 Norwood Financial Corp Announces Timing of Third Quarter 2026 Earnings Release and Conference Call HONESDALE, Pa., Sept. 24, 2026 (GLOBE NEWSWIRE) -- Norwood Financial Corp (Nasdaq Global Market-NWFL) and its subsidiary, Wayne Bank, will release its third quarter 2026 financial results before market opens on Tuesday, October 27th, 2026.
- 2026-09-16 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.
- 2026-09-14 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?
- 2026-09-03 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
- 2026-08-28 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.
- 2026-08-28 This is Why Norwood Financial Corp. (NWFL) is a Great Dividend Stock 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?