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Norwood Financial Corp.NasdaqGM:NWFL Rapport sur les actions

Capitalisation boursière US$336.5m
Prix de l'action
US$31.34
US$28
11.9% surévalué décote intrinsèque
1Y25.4%
7D0.1%
1D
Valeur du portefeuille
​
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Norwood Financial Corp.

NasdaqGM:NWFL Rapport sur les actions

Capitalisation boursière : US$336.5m

Norwood Financial (NWFL) Aperçu de l'action

Norwood Financial Corp. est la holding bancaire de Wayne Bank, qui fournit divers produits et services bancaires aux États-Unis. Plus de détails

NWFL analyse fondamentale
Score flocon de neige
Évaluation1/6
Croissance future4/6
Performances passées4/6
Santé financière6/6
Dividendes4/6

Récompenses

Le ratio cours/bénéfice ( 13.2 x) est inférieur au marché US ( 19 x)

Les bénéfices devraient augmenter 24.25% par an

Les bénéfices ont augmenté de 2079% au cours de l'année écoulée

Verse un dividende fiable de 4.08%

Analyse des risques

Les actionnaires ont été dilués au cours de l'année écoulée


NWFL Community Fair Values

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Norwood Financial Corp. Concurrents

Historique des prix et performances

Résumé des hausses, des baisses et des variations du cours de l'action pour la période du 1er janvier au 31 décembre 2009 Norwood Financial
Historique des cours de bourse
Prix actuel de l'actionUS$31.34
Plus haut sur 52 semainesUS$32.36
Plus bas sur 52 semainesUS$23.70
Bêta0.55
Variation sur 1 mois9.05%
Variation sur 3 mois12.13%
Variation sur 1 an25.41%
Variation sur 3 ans0.90%
Variation sur 5 ans24.46%
Évolution depuis l'introduction en bourse623.95%

Nouvelles et mises à jour récentes

Seeking Alpha • Jan 26

The Story Of Norwood Financial Is Improving

Summary Norwood Financial Corporation (NWFL) delivered a strong FY 2025 turnaround, with EPS up 45.4% and improved key financial metrics. NWFL trades at a below-average valuation (PE 8.24, TBV multiple 1.21) and offers a 4.6% forward dividend yield, marking eight consecutive years of increases. The PB BancShares acquisition expands assets by 20%, but integration risks remain due to PB's below-average performance metrics and CRE concentration. I maintain a Hold rating on NWFL, awaiting post-merger results, yet acknowledge a more optimistic outlook than in prior quarters. Read the full article on Seeking Alpha

Recent updates

Seeking Alpha • Jan 26

The Story Of Norwood Financial Is Improving

Summary Norwood Financial Corporation (NWFL) delivered a strong FY 2025 turnaround, with EPS up 45.4% and improved key financial metrics. NWFL trades at a below-average valuation (PE 8.24, TBV multiple 1.21) and offers a 4.6% forward dividend yield, marking eight consecutive years of increases. The PB BancShares acquisition expands assets by 20%, but integration risks remain due to PB's below-average performance metrics and CRE concentration. I maintain a Hold rating on NWFL, awaiting post-merger results, yet acknowledge a more optimistic outlook than in prior quarters. Read the full article on Seeking Alpha
Article d’analyse • Jan 06

Norwood Financial (NASDAQ:NWFL) Is Increasing Its Dividend To $0.32

Norwood Financial Corp. ( NASDAQ:NWFL ) has announced that it will be increasing its dividend from last year's...
Article d’analyse • Dec 20

Norwood Financial (NASDAQ:NWFL) Is Paying Out A Larger Dividend Than Last Year

Norwood Financial Corp. ( NASDAQ:NWFL ) will increase its dividend from last year's comparable payment on the 2nd of...
Seeking Alpha • Aug 27

Norwood Financial: Still On The Sidelines Despite A Solid Loan Book

Summary Norwood Financial's net interest income decreased by over 4% YoY due to a $5.1M rise in interest expenses, impacting overall profitability. The bank's loan book, especially the $1.62B in real estate loans, remains a focal point, with a significant portion in commercial real estate. Despite a rise in non-accruing loans in the CRE segment, the overall quality of the loan book appears manageable, with a decrease in total past due and non-accruing loans. At a P/E ratio of 13-14 and a 50% premium to tangible book value, Norwood Financial remains a 'hold' until stronger performance is evident. Read the full article on Seeking Alpha
Article d’analyse • Sep 22

Norwood Financial (NASDAQ:NWFL) Will Pay A Dividend Of $0.29

Norwood Financial Corp. ( NASDAQ:NWFL ) will pay a dividend of $0.29 on the 1st of November. This means that the annual...
Article d’analyse • Jul 04

Norwood Financial's (NASDAQ:NWFL) Dividend Will Be $0.29

The board of Norwood Financial Corp. ( NASDAQ:NWFL ) has announced that it will pay a dividend on the 1st of August...
Article d’analyse • Jun 20

Norwood Financial (NASDAQ:NWFL) Is Due To Pay A Dividend Of $0.29

The board of Norwood Financial Corp. ( NASDAQ:NWFL ) has announced that it will pay a dividend of $0.29 per share on...
Article d’analyse • Jun 07

Do Norwood Financial's (NASDAQ:NWFL) Earnings Warrant Your Attention?

It's common for many investors, especially those who are inexperienced, to buy shares in companies with a good story...
Article d’analyse • Apr 05

Norwood Financial's (NASDAQ:NWFL) Upcoming Dividend Will Be Larger Than Last Year's

Norwood Financial Corp.'s ( NASDAQ:NWFL ) dividend will be increasing from last year's payment of the same period to...
Seeking Alpha • Sep 16

Norwood Financial declares $0.28 dividend

Norwood Financial (NASDAQ:NWFL) declares $0.28/share quarterly dividend, in line with previous. Forward yield 4.21% Payable Nov. 1; for shareholders of record Oct. 14; ex-div Oct. 13. See NWFL Dividend Scorecard, Yield Chart, & Dividend Growth.
Seeking Alpha • Jul 22

Norwood Financial GAAP EPS of $0.84, revenue of $19.38M

Norwood Financial press release (NASDAQ:NWFL): Q2 GAAP EPS of $0.84. Revenue of $19.38M (+6.3% Y/Y).
Seeking Alpha • Jul 10

Norwood Financial: The Book Value Gets Hit Despite Good Results

Norwood Financial reported excellent results in the first quarter and remains firmly on track to report in excess of $3/share in earnings this year. The share price has likely been held back by the decreasing book value per share. That's caused by an increase in unrealized losses on securities, due to the increasing interest rates. I'm on the sidelines until I see how the interest rate risk plays out, but I like how this bank is run. Introduction I have written a few articles on Norwood Financial (NWFL) the holding company for the Wayne Bank, a bank active in New York and Pennsylvania. In my most recent article I started considering Norwood Financial for its dividend yield as the bank was yielding about 4% with a payout ratio of less than 40%. The quarterly dividend now represents a yield in excess of 4.5% as the share price has come down, so I wanted to check if this would be a good moment to add Norwood to my portfolio. Data by YCharts The First Quarter Of The Year Was Very Satisfying The bank performed well in the first quarter. It was able to keep its interest income stable at around $17.3M and as the interest expenses decreased by a few hundred thousand dollars to $1.25M, the net interest income increased from just under $15.8M to $16.1M. That’s up 2% and probably as good as it gets for the bank. Increasing interest rates should help to boost its net interest income profile down the road. Norwood FInancial Investor Relations The bank also reported a total non-interest income of $3.3M and a non-interest expense total of just under $10.2M, for a total net non-interest expense of approximately $6.8M. That’s a better achievement than the $7.5M in Q1 of last year, although this was caused by some non-recurring items, so we shouldn’t read too much into it. In any case, it did provide a nice boost to the pre-tax income which jumped to almost $9M, also helped by lower loan loss provisions as the amount of provisions fell by about 80% to just $300,000 in the first quarter. The net income was approximately $7.1M or $0.87 per share. This means the quarterly dividend of $0.28 per share is handsomely covered, and the payout ratio is just over 30%. That being said, keep in mind there were some non-recurring items that contributed to a great quarterly result, so the normalized earnings will likely be a bit lower, going forward. But in any case, a good quarter for Norwood Financial. The low allowance for loan losses isn’t something to be too worried about, as the vast majority of the loans are current. Looking at the breakdown below, less than $9M of the $1.37B loan book is classified as past due or impaired. With in excess of $16M in booked loan loss provisions and knowing the bank will always be able to recoup some of the $9M in sour loans, I still think the situation is healthy and Norwood isn’t overly optimistic at this point. Norwood FInancial Investor Relations Despite The Strong Earnings Result, The Book Value Per Share Decreased Rather Dramatically You would think that if a bank reports an EPS of $0.87 and pays out $0.28 per share in dividends, it would see its book value increase by $0.59/share. As Norwood has 8.2M shares outstanding, you would expect to see the book value increase by almost $5M. But as you can see below, on the liabilities side of the balance sheet, that didn’t happen. Not only did the book value not increase, it actually decreased by almost 10% to just under $187M. Norwood FInancial Investor Relations Due to the higher interest rates, the bank’s investment securities have lost some of their value. In the first quarter of 2022, the bank saw its unrealized losses on the securities portfolio increase by in excess of $27M, while there was a $2.6M decrease in unrealized gains. The combination of both weighed on the book value of the bank.
Seeking Alpha • Apr 06

Norwood Financial: A 4% Yield With A Sub-40% Payout Ratio

Norwood Financial is the holding company for the Wayne Bank, a community bank in Pennsylvania and New York. The bank's reported net income was pretty decent in 2021 despite not seeing a material decrease in the loan loss provisions. The dividend yield is more than fully covered and should be safe.
Article d’analyse • Mar 17

Norwood Financial (NASDAQ:NWFL) Has Announced That It Will Be Increasing Its Dividend To US$0.28

The board of Norwood Financial Corp. ( NASDAQ:NWFL ) has announced that it will be increasing its dividend on the 2nd...
Article d’analyse • Dec 21

Norwood Financial (NASDAQ:NWFL) Is Increasing Its Dividend To US$0.28

Norwood Financial Corp. ( NASDAQ:NWFL ) will increase its dividend on the 1st of February to US$0.28. This will take...
Seeking Alpha • Nov 05

Norwood Financial Corp.: There Is No Reason To Dislike This One

Norwood Financial Corp. is a regional bank with healthy and stable operations. Market expansion and acquisition will lead to more growth opportunities. The stock is a good investment choice in the current market environment.
Seeking Alpha • Sep 01

Norwood Financial Is A Compelling Buy

Norwood Financial (Wayne Bank) has seen a fair amount of obstacles over the last 18 months. While big banks and regional banks have seen their shares rebound back to - or past - pre-pandemic levels, Wayne Bank is still ~25% off its highs in January 2020. We believe that Wayne has several potential catalysts in the next year, including continued economic improvement with the vaccine rollout and tailwinds from loan loss provisions.

Rendement pour les actionnaires

NWFLUS BanksUS Marché
7D0.1%3.9%2.3%
1Y25.4%29.2%25.5%

Rendement vs Industrie: NWFL correspondait au secteur US Banks qui a rapporté 29.2 % au cours de l'année écoulée.

Rendement vs marché: NWFL correspond au marché US qui a rapporté 25.5 % au cours de l'année écoulée.

Volatilité des prix

Is NWFL's price volatile compared to industry and market?
NWFL volatility
NWFL Average Weekly Movement4.1%
Banks Industry Average Movement3.3%
Market Average Movement7.2%
10% most volatile stocks in US Market16.8%
10% least volatile stocks in US Market3.1%

Cours de l'action stable: NWFL n'a pas connu de volatilité de prix significative au cours des 3 derniers mois par rapport au marché US.

Volatilité au fil du temps: La volatilité hebdomadaire de NWFL ( 4% ) est restée stable au cours de l'année écoulée.

À propos de l'entreprise

FondéeSalariésPDGSite web
1870278Jim Donnellywayne.bank

Norwood Financial Corp. est le holding bancaire de Wayne Bank, qui fournit divers produits et services bancaires aux États-Unis. La société propose des produits de dépôt, notamment des comptes de transaction, des comptes d'épargne et des comptes du marché monétaire, rémunérés ou non, ainsi que des certificats de dépôt. Ses prêts commerciaux comprennent des lignes de crédit, des crédits renouvelables, des prêts à terme, des hypothèques, des produits de prêts garantis et des facilités de lettres de crédit ; des prêts de financement municipal ; des prêts à la construction pour des projets de construction commerciale et des résidences unifamiliales ; des financements de construction ; des prêts fonciers et des prêts à la consommation ; des prêts hypothécaires pour financer des résidences principales et des résidences secondaires ; et des financements indirects de concessionnaires pour des automobiles, des bateaux et des véhicules de loisir neufs et d'occasion.

Norwood Financial Corp. Résumé des fondamentaux

Comment les bénéfices et les revenus de Norwood Financial se comparent-ils à sa capitalisation boursière ?
NWFL statistiques fondamentales
Capitalisation boursièreUS$336.46m
Bénéfices(TTM)US$25.71m
Recettes(TTM)US$92.63m
13.2x
Ratio P/E
1.2x
Rapport P/B

Le site NWFL est-il surévalué ?

Voir Juste valeur et analyse de l'évaluation

Bénéfices et recettes

Principales statistiques de rentabilité tirées du dernier rapport sur les bénéfices (TTM)
NWFL compte de résultat (TTM)
RecettesUS$92.63m
Coût des recettesUS$0
Marge bruteUS$92.63m
Autres dépensesUS$66.92m
Les revenusUS$25.71m

Derniers bénéfices déclarés

Mar 31, 2026

Prochaine date de publication des résultats

s/o

Résultat par action (EPS)2.37
Marge brute100.00%
Marge bénéficiaire nette27.76%
Ratio dettes/capitaux propres31.4%

Quelles ont été les performances à long terme de NWFL?

Voir les performances historiques et les comparaisons

Dividendes

4.1%
Rendement actuel des dividendes
47%
Ratio de distribution

Analyse de l'entreprise et données financières

DonnéesDernière mise à jour (heure UTC)
Analyse de l'entreprise2026/06/16 18:57
Cours de l'action en fin de journée2026/06/16 00:00
Les revenus2026/03/31
Revenus annuels2025/12/31

Sources de données

Les données utilisées dans notre analyse de l'entreprise proviennent de S&P Global Market Intelligence LLC. Les données suivantes sont utilisées dans notre modèle d'analyse pour générer ce rapport. Les données sont normalisées, ce qui peut entraîner un délai avant que la source ne soit disponible.

PaquetDonnéesCadre temporelExemple de source américaine *
Finances de l'entreprise10 ans
  • Compte de résultat
  • Tableau des flux de trésorerie
  • Bilan
Estimations consensuelles des analystes+3 ans
  • Prévisions financières
  • Objectifs de prix des analystes
Prix du marché30 ans
  • Cours des actions
  • Dividendes, scissions et actions
Propriété10 ans
  • Actionnaires principaux
  • Délits d'initiés
Gestion10 ans
  • L'équipe dirigeante
  • Conseil d'administration
Principaux développements10 ans
  • Annonces de l'entreprise

* Exemple pour les titres américains ; pour les titres non américains, des formulaires réglementaires et des sources équivalentes sont utilisés.

Sauf indication contraire, toutes les données financières sont basées sur une période annuelle mais mises à jour trimestriellement. C'est ce qu'on appelle les données des douze derniers mois (TTM) ou des douze derniers mois (LTM). En savoir plus.

Modèle d'analyse et flocon de neige

Les détails du modèle d’analyse utilisé pour générer ce rapport sont disponibles sur notre page Github; nous proposons également des guides expliquant comment utiliser nos rapports et des tutoriels sur Youtube.

Découvrez l'équipe de classe mondiale qui a conçu et construit le modèle d'analyse Simply Wall St.

Indicateurs de l'industrie et du secteur

Nos indicateurs de secteur et de section sont calculés toutes les 6 heures par Simply Wall St. Les détails de notre processus sont disponibles sur Github.

Sources des analystes

Norwood Financial Corp. est couverte par 3 analystes. 2 de ces analystes ont soumis les estimations de revenus ou de bénéfices utilisées comme données d'entrée dans notre rapport. Les soumissions des analystes sont mises à jour tout au long de la journée.

AnalysteInstitution
Daniel CardenasBrean Capital Historical (Janney Montgomery)
null nullStephens, Inc.
Matthew BreeseStephens, Inc.