Norwood Financial (NWFL) Stock Price, News & Analysis

Company Overview

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. In addition, the company offers investment securities services; personal and business credit services; trust and investment products; and cash management, direct deposit, remote deposit capture, mobile deposit capture, automated clearing house activity, real estate settlement, and Internet and mobile banking services. Further, it engages in the annuity and mutual fund sale, and discount brokerage activities, as well as insurance agency business. The company serves consumers, businesses, nonprofit organizations, and municipalities. It operates branches in Northeastern Pennsylvania; and in Delaware, Sullivan, Ontario, Otsego, and Yates Counties, New York, as well as automated teller machines. Norwood Financial Corp. was founded in 1870 and is headquartered in Honesdale, Pennsylvania.

Key Stats

• Today's Range: $30.54 to $31.40
• 50-Day Range: $26.42 to $32.49
• 52-Week Range: $23.50 to $34.50
• Volume: 7,364 shs
• Average Volume: 10,471 shs
• Market Capitalization: $249.50 million
• P/E Ratio: 19.40
• Dividend Yield: 3.89%
• Price Target: N/A
• Consensus Rating: N/A

Norwood Financial Stock Analysis - MarketRank™

Norwood Financial scored higher than 23% of companies evaluated by MarketBeat, and ranked 911th out of 958 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Norwood Financial.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Norwood Financial is 19.40, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 124.00.

Price to Earnings Ratio vs. Sector

The P/E ratio of Norwood Financial is 19.40, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 31.45.

Price to Book Value per Share Ratio

Norwood Financial has a P/B Ratio of 1.28. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.68% of the float of Norwood Financial has been sold short.

Short Interest Ratio / Days to Cover

Norwood Financial has a short interest ratio ("days to cover") of 5.5.

Change versus previous month

Short interest in Norwood Financial has recently decreased by 4.17%, indicating that investor sentiment is improving.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Leadership

Norwood Financial is a leading dividend payer. It pays a dividend yield of 3.83%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

Norwood Financial does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Norwood Financial is 75.47%. Payout ratios above 75% are not desirable because they may not be sustainable.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.68% of the float of Norwood Financial has been sold short.

Short Interest Ratio / Days to Cover

Norwood Financial has a short interest ratio ("days to cover") of 5.5.

Change versus previous month

Short interest in Norwood Financial has recently decreased by 4.17%, indicating that investor sentiment is improving.

News and Social Media

• Score: 1.9 / 5
• News Sentiment: 0.51

News Sentiment

Norwood Financial has a news sentiment score of 0.51. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.66 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for Norwood Financial this week, compared to 1 article on an average week.

Company Ownership

• Score: 0.0 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Norwood Financial insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 9.10% of the stock of Norwood Financial is held by insiders.

Percentage Held by Institutions

Only 28.08% of the stock of Norwood Financial is held by institutions.

NWFL Stock Analysis - Frequently Asked Questions

How have NWFL shares performed this year?

Norwood Financial's stock was trading at $32.91 at the beginning of the year. Since then, NWFL stock has decreased by 6.3% and is now trading at $30.84.
View the best growth stocks for 2024 here.

How were Norwood Financial's earnings last quarter?

Norwood Financial Corp. (NASDAQ:NWFL) released its quarterly earnings data on Thursday, April, 23rd. The financial services provider reported $0.49 earnings per share for the quarter. The financial services provider had revenue of $11.32 million for the quarter. Norwood Financial had a net margin of 10.90% and a trailing twelve-month return on equity of 6.94%.

When did Norwood Financial's stock split?

Norwood Financial shares split on Monday, September 18th 2017. The 3-2 split was announced on Wednesday, August 9th 2017. The newly created shares were distributed to shareholders after the market closes on Friday, September 15th 2017. An investor that had 100 shares of stock prior to the split would have 150 shares after the split.

Who are Norwood Financial's major shareholders?

Norwood Financial's top institutional shareholders include Geode Capital Management LLC (2.05%), State Street Corp (1.23%), Code Waechter LLC (0.36%) and Charles Schwab Investment Management Inc. (0.25%). Insiders that own company stock include Lewis J Critelli, William S Lance, John F Carmody, Andrew Forte, James O Donnelly, Jeffrey S Gifford and John Martin Mccaffery Jr.
View institutional ownership trends.

How do I buy shares of Norwood Financial?

Shares of NWFL stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.
Compare Top Brokerages Here.

What other stocks do shareholders of Norwood Financial own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Norwood Financial investors own include Meta Platforms (META), NVIDIA (NVDA), Advanced Micro Devices (AMD), JPMorgan Chase & Co. (JPM), Tesla (TSLA), Visa (V) and Home Depot (HD).

Company Calendar

• Last Earnings: 4/23/2020
• Ex-Dividend for 11/1 Dividend: 10/18/2024
• Dividend Payable: 11/01/2024
• Today: 11/16/2024
• Fiscal Year End: 12/31/2024
• Next Earnings (Estimated): 2/03/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: State commercial banks
• Sub-Industry: Banking
• Current Symbol: NASDAQ:NWFL
• CUSIP: N/A
• CIK: 1013272
• Web: www.waynebank.com
• Phone: (570) 253-1455
• Fax: 570-253-3725
• Employees: 260
• Year Founded: 1871

Profitability

• EPS (Most Recent Fiscal Year): $1.59
• Trailing P/E Ratio: 19.40
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $16.76 million
• Net Margins: 10.90%
• Pretax Margin: 13.80%
• Return on Equity: 6.94%
• Return on Assets: 0.57%

Debt

• Debt-to-Equity Ratio: 0.74
• Current Ratio: 0.91
• Quick Ratio: 0.90

Sales & Book Value

• Annual Sales: $103.66 million
• Price / Sales: 2.41
• Cash Flow: $2.40 per share
• Price / Cash Flow: 12.87
• Book Value: $24.18 per share
• Price / Book: 1.28

Miscellaneous

• Outstanding Shares: 8,090,000
• Free Float: 7,356,000
• Market Cap: $249.50 million
• Optionable: Not Optionable
• Beta: 0.61