Norwood Financial Corp. (NWFL) Stock Price & Analysis
Norwood Financial Corp. (NWFL) closed at USD 34.77 on Friday, October 23, 2026, up 0.58% on the day. The US market is currently closed (after-hours); this is not a live price.
The prior close was USD 34.57; the Oct 23, 2026 session ranged USD 33.79–34.9 on volume of 45,243 shares. Market capitalization is $379.07M, with a 52-week range of USD 25.5–35.48 (NGM). Source: Nexqual, retrieved October 23, 2026 at 22:55 UTC.
Also available as compact Markdown for AI agents: nexqual.com/NWFL.md
Key facts (NWFL)
- Last four reported quarters (through Jun 30, 2026): revenue $103M, net income $28.8M (28.0% margin) (SEC filings).
- Valuation: P/E 13.1x (avg 12.6x at the last 2 fiscal year-ends).
- Analysts: Hold (mean 2.50 on a 1–5 scale) (2 analysts), mean target USD 36.5 (range 35–38).
- Total return with dividends: 1Y +35.8% vs S&P 500 +13.4%; 5Y +65.1% vs S&P 500 +76.9%.
- Next earnings: 2026-10-27, EPS estimate USD 0.95, revenue estimate $30.0M.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (NWFL)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $73.7M | $78.3M | $70.2M | $51.0M | $87.9M | $103M |
| Net income | $24.9M | $29.2M | $16.8M | -$160K | $27.8M | $28.8M |
| EPS (diluted) | $3.04 | $3.58 | $2.07 | -$0.02 | $3.01 | — |
| Free cash flow | $27.9M | $28.6M | $28.4M | $19.7M | $29.2M | $30.0M |
| Net margin | 33.8% | 37.3% | 23.9% | -0.3% | 31.6% | 28.0% |
| Revenue growth | +26.5% | +6.3% | -10.4% | -27.3% | +72.3% | — |
| Cash + short-term investments | $207M | $31.9M | $66.1M | $72.3M | $44.4M | — |
Fiscal years end Dec. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jun 30, 2026) (NWFL)
P/E 13.1x · P/S 3.7x · P/FCF 12.7x · P/B 1.3x · FCF yield 7.90% · Earnings yield 7.61% · Dividend yield (paid, TTM) 3.36%
P/E at fiscal year-ends: Dec 2025 9.3x, Dec 2023 15.9x.
Analysts (NWFL)
Consensus Hold (mean 2.50 on a 1–5 scale), 2 analysts; mean target USD 36.5 (low 35, high 38).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-07-23 | Stephens & Co. | Target raised | Equal-Weight | $34 → $35 |
Total return (dividends reinvested) (NWFL)
| 1Y (from 2025-10-24) | 5Y (from 2021-10-25) | |
|---|---|---|
| Total return | +35.8% | +65.1% |
| S&P 500 (SPY) | +13.4% | +76.9% |
| Per year | +35.9% | +10.6% |
| Volatility (annualized) | 25.3% | 28.6% |
| Max drawdown | -12.9% (Feb 2026→Mar 2026) | -30.8% (Dec 2023→Apr 2025) |
NWFL company outlook (results filed Jul 22, 2026)
- “Forward-Looking Statements In addition to historical information, this earnings release may contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, which describes the future plans, strategies and expectations of the Company.”
Quoted word-for-word from the SEC 8-K results press release.
NWFL analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Sep 2026) | $0.94 | $0.91 | +3.8% | $30.0M | 2 |
| Next quarter (ends Dec 2026) | $0.94 | $0.91 | +3.8% | $30.3M | 2 |
| Current fiscal year (ends Dec 2026) | $3.48 | $3.40 | +2.2% | $116.9M | 2 |
| Next fiscal year (ends Dec 2027) | $3.88 | $3.65 | +6.0% | $125.3M | 2 |
Key Statistics (as of October 23, 2026 at 22:55 UTC)
| Price | USD 34.77 |
|---|---|
| Change | ▲ 0.58% (up) |
| Previous Close | USD 34.57 |
| Open | USD 33.79 |
| Day Range | USD 33.79 – 34.9 |
| 52-Week Range | USD 25.5 – 35.48 |
| Volume | 45,243 shares |
| Market Cap | $379.07M |
| Exchange | NGM |
Technical Analysis (NWFL)
Nexqual's technical model rates NWFL "BUY" based on 5 bullish and 2 bearish signals across 127 daily candles, as of October 23, 2026 at 22:55 UTC.
| Overall Signal | BUY |
|---|---|
| RSI (14) | 60.54 (neutral) |
| vs SMA50 | Above (USD 34.06) |
| MACD | 0.06 (positive) |
Analyst Ratings (NWFL)
Wall Street analysts rate NWFL "Hold" based on 2 analysts, with a mean price target of USD 36.5 (range USD 35–38), per Nexqual as of October 23, 2026 at 22:55 UTC.
| Consensus Rating | Hold |
|---|---|
| Analyst Count | 2 |
| Mean Target | USD 36.5 |
| High Target | USD 38 |
| Low Target | USD 35 |
| Buy / Hold / Sell | 1 / 1 / 0 |
Earnings (NWFL)
| Next Earnings Date | 2026-10-27 |
|---|---|
| EPS Estimate | USD 0.95 |
| Revenue Estimate | $30.00M |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-06-30 | USD 0.86 vs est 0.87 ▼ miss |
| 2026-03-31 | USD 0.72 vs est 0.81 ▼ miss |
| 2025-12-31 | USD 0.84 vs est 0.85 ▼ miss |
| 2025-09-30 | USD 0.89 vs est 0.71 ▲ beat |
Source: Nexqual, October 23, 2026 at 22:55 UTC.
Financials & Fundamentals (NWFL)
| Total Revenue | $99.69M |
|---|---|
| Revenue Growth (latest quarter, YoY) | +34.70% |
| Gross Margin | +0.00% |
| Operating Margin | +44.88% |
| Profit Margin | +28.93% |
| ROE | +11.20% |
| Total Cash | $61.09M |
| Total Debt | $66.32M |
Source: Nexqual, October 23, 2026 at 22:55 UTC.
Financial Health Score (NWFL)
Nexqual rates Norwood Financial Corp.'s overall financial health "Solid" across five dimensions, as of October 23, 2026 at 22:55 UTC.
| Growth | Strong — Revenue +24% YoY (annual) |
|---|---|
| Profitability | Strong — Net margin 32% (last 12 months); banks have no gross margin |
| Balance Sheet | N/A — Not comparable for banks: deposits and customer funds sit on the balance sheet, so cash vs debt does not measure safety (SEC industry: State Commercial Banks) |
| Cash Flow | N/A — Not meaningful for banks and lenders: lending and trading move operating cash flow by billions each year (SEC industry: State Commercial Banks) |
| Efficiency | Mixed — ROE 11%, ROA 1.1% |
Ownership (NWFL)
| Insider Ownership | +8.16% |
|---|---|
| Institutional Ownership | +42.89% |
| Shares Outstanding | 10.90M |
| Float | 9.82M |
| Short % of Float | +1.51% |
Source: Nexqual, October 23, 2026 at 22:55 UTC.
Leadership (NWFL)
Norwood Financial Corp. is led by James O. Donnelly, President, CEO & Director, per Nexqual as of October 23, 2026 at 22:55 UTC.
| President, CEO & Director | James O. Donnelly |
|---|---|
| Executive VP & CFO | John Martin McCaffery |
| Executive VP & COO | Janak M. Amin |
| Executive VP & Director of Human Resources | Ryan J. French |
| Senior VP & Director of Wealth Management | Joseph W. Adams |
Major Backers & Investors (NWFL)
Notable institutional backers of Norwood Financial Corp. include Wellington Management, Manufacturers Life Insurance Co., Bulldog Investors, LLP, according to Nexqual as of October 23, 2026 at 22:55 UTC.
Active Investors
| Investor | Stake |
|---|---|
| Wellington Management | 5.21% |
| Manufacturers Life Insurance Co. | 1.6% |
| Bulldog Investors, LLP | 1.56% |
| SWISS HELVETIA FUND, INC.-Total Return Securities Fund | 1.56% |
| Cornerstone Wealth Group, LLC | 1.53% |
| John Hancock Investment Trust II-Regional Bank Fund | 1.47% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 7.12% |
| Vanguard Group | 4.05% |
| Geode Capital | 2.37% |
| Dimensional Fund Advisors | 1.52% |
Source: Nexqual, October 23, 2026 at 22:55 UTC.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| BBD | Banco Bradesco Sa | USD 4.07 | ▲ 3.04% |
| FITB | Fifth Third Bancorp | USD 52.98 | ▼ 0.47% |
| DB | Deutsche Bank AG | USD 31.2 | ▼ 0.89% |
| TFC | Truist Financial Corporation | USD 48.44 | ▲ 0.04% |
| NWG | NatWest Group plc | USD 16.8 | ▼ 1.12% |
| NU | Nu Holdings Ltd. | USD 15.16 | ▲ 2.92% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 23, 2026 at 22:55 UTC. This page is informational and not investment advice.
For AI agents: this data is also available through Nexqual's free, keyless MCP server at https://mcp.nexqual.com/mcp; every result includes source_url, as_of and cite_as. More: nexqual.com/agents · llms.txt