Norwood Financial (Nasdaq:NWFL) - Stock Price, News & Analysis

NWFL Stock Overview

Norwood Financial Corp. operates as the bank holding company for Wayne Bank that provides various banking products and services.

About the company

NWFL fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	0/6
Past Performance	2/6
Financial Health	6/6
Dividends	5/6

Rewards

Risk Analysis

Norwood Financial Corp. Competitors

Parke Bancorp

NasdaqCM:PKBK

US$198.5m

Chemung Financial

NasdaqGS:CHMG

US$208.1m

Cashmere Valley Bank

OTCPK:CSHX

US$183.0m

Merchants Financial Group

OTCPK:MFGI

US$192.6m

Price History & Performance

Summary of all time highs, changes and price drops for Norwood Financial
Historical stock prices
Current Share Price	US$24.05
52 Week High	US$34.50
52 Week Low	US$23.50
Beta	0.61
1 Month Change	-9.42%
3 Month Change	-17.47%
1 Year Change	-6.05%
3 Year Change	-7.32%
5 Year Change	-26.59%
Change since IPO	455.56%

Recent updates

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

Apr 05

Norwood Financial declares $0.28 dividend

Sep 16

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

Jul 22

Norwood Financial: The Book Value Gets Hit Despite Good Results

Jul 10

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

Apr 06

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

Mar 17

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

Dec 21

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

Nov 05

Norwood Financial Is A Compelling Buy

Sep 01

Shareholders Will Probably Hold Off On Increasing Norwood Financial Corp.'s (NASDAQ:NWFL) CEO Compensation For The Time Being

Apr 21

Norwood Financial (NASDAQ:NWFL) Has Compensated Shareholders With A Respectable 76% Return On Their Investment

Mar 03

Norwood Financial: A Strong Focus On Real Estate Loans And A 4% Dividend Yield

Jan 13

Should Income Investors Look At Norwood Financial Corp. (NASDAQ:NWFL) Before Its Ex-Dividend?

Jan 09

Could Norwood Financial Corp. (NASDAQ:NWFL) Have The Makings Of Another Dividend Aristocrat?

Dec 18

Shareholder Returns

	NWFL	US Banks	US Market
7D	2.1%	6.8%	1.2%
1Y	-6.1%	34.4%	24.9%

Price Volatility

Is NWFL's price volatile compared to industry and market?
NWFL volatility
NWFL Average Weekly Movement	6.8%
Banks Industry Average Movement	4.5%
Market Average Movement	6.0%
10% most volatile stocks in US Market	16.6%
10% least volatile stocks in US Market	3.0%

About the Company

Founded	Employees	CEO	Website
1870	263	Jim Donnelly	wayne.bank

Norwood Financial Corp. operates as the bank holding company for Wayne Bank that provides various banking products and services. The company accepts a range of deposit products, including interest-bearing and non-interest-bearing transaction accounts, and statement savings and money market accounts, as well as certificate of deposits. It also provides commercial loans comprising lines of credit, revolving credit, term loans, mortgages, secured lending products, and letter of credit facilities; municipal finance lending; construction loans for commercial construction projects and single-family residences; land loans; construction financing; consumer loans; mortgage lending to finance principal residences and second home dwellings; and indirect dealer financing of new and used automobiles, boats, and recreational vehicles.

Norwood Financial Corp. Fundamentals Summary

How do Norwood Financial's earnings and revenue compare to its market cap?
NWFL fundamental statistics
Market cap	US$193.94m
Earnings (TTM)	US$15.41m
Revenue (TTM)	US$64.28m

12.6x

P/E Ratio

1.1x

P/B Ratio

Is NWFL overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
NWFL income statement (TTM)
Revenue	US$64.28m
Cost of Revenue	US$0
Gross Profit	US$64.28m
Other Expenses	US$48.87m
Earnings	US$15.41m

Last Reported Earnings

Mar 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	1.91
Gross Margin	100.00%
Net Profit Margin	23.97%
Debt/Equity Ratio	116.6%

How did NWFL perform over the long term?

See historical performance and comparison

Dividends

5.0%

Current Dividend Yield

62%

Payout Ratio

NWFL Stock Overview

Rewards

Risk Analysis

Norwood Financial Corp. Competitors

NasdaqCM:PKBK

US$198.5m

NasdaqGS:CHMG

US$208.1m

OTCPK:CSHX

US$183.0m

OTCPK:MFGI

US$192.6m

Price History & Performance

Recent News & Updates

First quarter 2024 earnings released: EPS: US$0.55 (vs US$0.71 in 1Q 2023)

Upcoming dividend of US$0.30 per share

Fourth quarter dividend of US$0.30 announced

Norwood Financial Corp. Declares Quarterly Cash Dividend, Payable May 1, 2024

Full year 2023 earnings released: EPS: US$2.08 (vs US$3.59 in FY 2022)

Norwood Financial Corp., Annual General Meeting, Apr 23, 2024

Recent updates

First quarter 2024 earnings released: EPS: US$0.55 (vs US$0.71 in 1Q 2023)

Upcoming dividend of US$0.30 per share

Fourth quarter dividend of US$0.30 announced

Norwood Financial Corp. Declares Quarterly Cash Dividend, Payable May 1, 2024

Full year 2023 earnings released: EPS: US$2.08 (vs US$3.59 in FY 2022)

Norwood Financial Corp., Annual General Meeting, Apr 23, 2024

William S. Lance, Chief Financial Officer of Norwood Financial Corp. and its Subsidiary, Wayne Bank, to Retire Effective as of August 2, 2024

William S. Lance, Chief Financial Officer of Norwood Financial Corp. and its Subsidiary, Wayne Bank, to Retire Effective as of August 2, 2024

Full year 2023 earnings released: EPS: US$2.08 (vs US$3.59 in FY 2022)

Norwood Financial Corp Increases Quarterly Cash Dividend, Payable on February 1, 2024

Norwood Financial Corp. and Wayne Bank Announce the Retirement of Robert J. Mancuso as Executive Vice President and Chief Operating Officer, Effective as of December 31, 2023

Investor sentiment improves as stock rises 16%

Third quarter 2023 earnings released: EPS: US$0.51 (vs US$1.00 in 3Q 2022)

Upcoming dividend of US$0.29 per share at 4.5% yield

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

Norwood Financial Corp Declares Quarterly Cash Dividend, Payable on November 1, 2023

Insufficient new directors

Second quarter 2023 earnings released: EPS: US$0.81 (vs US$0.84 in 2Q 2022)

Upcoming dividend of US$0.29 per share at 3.9% yield

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

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

Norwood Financial Corp Declares Quarterly Cash Dividend, Payable August 1, 2023

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

Investor sentiment improves as stock rises 15%

Upcoming dividend of US$0.29 per share at 4.1% yield

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

Full year 2022 earnings released: EPS: US$3.59 (vs US$3.05 in FY 2021)

Norwood Financial Corp. Reports Net Charge-Off for the Fourth Quarter Ended December 31, 2022

Full year 2022 earnings released: EPS: US$3.59 (vs US$3.05 in FY 2021)

Upcoming dividend of US$0.29 per share

Norwood Financial Corp Declares Increased Cash Dividend, Payable on February 1, 2023

Third quarter 2022 earnings released: EPS: US$1.00 (vs US$0.85 in 3Q 2021)

Upcoming dividend of US$0.28 per share

Norwood Financial Corp Declares Cash Dividend, Payable November 1, 2022

Norwood Financial declares $0.28 dividend

Second quarter 2022 earnings released: EPS: US$0.84 (vs US$0.70 in 2Q 2021)

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

Norwood Financial: The Book Value Gets Hit Despite Good Results

Upcoming dividend of US$0.28 per share

Norwood Financial Corp Announces Cash Dividend, Payable on August 1, 2022

First quarter 2022 earnings released: EPS: US$0.87 (vs US$0.68 in 1Q 2021)

Norwood Financial Corp. and Wayne Bank Announces Retirement of Lewis J. Critelli as Chief Executive Officer, Effective May 9, 2022

Now 21% undervalued

William W. Davis, Jr. to Retire as Board Chairman of Norwood Financial Corp and Wayne Bank

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

Upcoming dividend of US$0.28 per share

Norwood Financial Corp. and Wayne Bank Announces Management Changes

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

Full year 2021 earnings: Revenues and EPS in line with analyst expectations

Norwood Financial Corp. Reports Net Charge-Offs for the Fourth Quarter Ended December 31, 2021

Full year 2021 earnings: Revenues and EPS in line with analyst expectations

Upcoming dividend of US$0.28 per share

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

President exercised options and sold US$63k worth of stock

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

Third quarter 2021 earnings released: EPS US$0.85 (vs US$0.62 in 3Q 2020)

Upcoming dividend of US$0.26 per share

Independent Director recently bought US$253k worth of stock

Norwood Financial Is A Compelling Buy