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Norwood Financial Corp. (NWFL)

Financial Services | Banks - Regional | Honesdale, United States | NasdaqGM
34.15 USD +0.12 (0.353%) ⇧ (Aug. 28, 2026, 4 p.m. EDT)
After hours: 34.15

Short-term:★★★☆☆Long-term:★★★⯪☆Dividends:★★★⯪☆
Hot Take | Aug. 22, 2026, 2:21 a.m. EDT

The most compelling signal here is the aggressive insider buying by an independent director, who recently acquired over $107,000 worth of shares while the stock trades near its 52-week lows. This internal validation suggests management sees significant upside potential that the current market price does not reflect. Fundamentally, the company is showing a robust recovery story with revenue growing 34.7% and earnings up 50.3% quarter-over-quarter, alongside a healthy 28.9% profit margin. While the statistical forecasting model indicates a negligible 0.27% expected move over the next 45 days with only moderate confidence, this short-term noise metric fails to capture the strength of the underlying business turnaround. The stock has successfully erased its multi-year underperformance, posting a +33.94% cumulative gain over the last nine years without a trailing streak of declines, signaling that the market has begun to reassess the company's quality. For income investors, the 3.79% yield is attractive, though the recent dividend hike to $0.32 per quarter is modest relative to the massive surge in profitability, suggesting the payout ratio remains conservative and sustainable. Overall, the convergence of insider confidence, accelerating growth, and a clean balance sheet makes this a solid medium-term hold despite the flat short-term momentum.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
MSTL ✓0.048472
AutoTheta0.057366
AutoETS0.057586
AutoARIMA0.057986

Forecast horizon: 45 days | Selected: MSTL

Forecast Reliability
Score 46%
H-stat 10.88
Ljung-Box p 0.000
Jarque-Bera p 0.097
Excess Kurtosis -1.09
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-07-14
Last Dividend Date 2026-07-14
Revenue per Share 9.943
Market Cap 372,305,856
Trailing P/E 11.70
Forward P/E 8.87
Beta 0.53
Profit Margins 28.93%
Website https://wayne.bank

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
1.03% 4.45% 4.60% 4.38%
Dividend History
Date Dividend Yield %
2026-07-15 0.320000 1.030928
2026-04-15 0.320000 1.037277
2026-01-15 0.320000 1.131542
2025-10-15 0.310000 1.255061
2025-07-15 0.310000 1.255061
2025-04-15 0.310000 1.368653
2025-01-15 0.310000 1.159746
2024-10-18 0.300000 1.046755
2024-07-15 0.300000 1.099707
2024-04-12 0.300000 1.263158
2024-01-11 0.300000 1.022146
2023-10-12 0.290000 1.119691
2023-07-13 0.290000 0.985054
2023-04-13 0.290000 1.058008
2023-01-12 0.290000 0.843023
2022-10-13 0.280000 1.037037
2022-07-14 0.280000 1.156547
2022-04-13 0.280000 0.991150
2022-01-13 0.280000 1.004664
2021-10-14 0.260000 1.021210
2021-07-14 0.260000 1.030928
2021-04-14 0.260000 1.007752
2021-01-14 0.260000 0.935252
2020-10-14 0.250000 1.022495
2020-07-16 0.250000 0.845451
2020-04-14 0.250000 0.989707
2020-01-14 0.250000 0.657895
2019-10-11 0.240000 0.789474
2019-07-12 0.240000 0.698690
2019-04-12 0.240000 0.753532
2019-01-14 0.240000 0.772201
2018-10-12 0.220000 0.594434
2018-07-12 0.220000 0.611451
2018-04-12 0.220000 0.738007
2018-01-11 0.220000 0.688576
2017-10-12 0.220000 0.777660
2017-07-12 0.213333 0.757575
2017-04-11 0.213333 0.811975
2017-01-11 0.213333 0.999998
2016-10-12 0.206667 1.078263
2016-07-13 0.206667 1.123190
2016-04-13 0.206667 1.096183
2016-01-13 0.206667 1.087721
2015-10-13 0.206667 1.077139
2015-07-13 0.206667 1.044124
2015-04-13 0.206667 1.065294
2015-01-13 0.200000 1.040944
2014-10-10 0.200000 1.054482
2014-07-21 0.200000 1.030928
2014-04-11 0.200000 1.025641
2014-01-13 0.200000 1.061947
2013-10-10 0.193333 1.020766
2013-07-11 0.193333 0.975772
2013-04-11 0.187879 1.028535
2013-01-11 0.187879 1.005515
2012-10-11 0.181818 0.941619
2012-07-11 0.181818 1.020754
2012-04-11 0.181818 1.136362
2012-01-11 0.181818 1.113998
2011-10-12 0.175758 1.200334
2011-07-13 0.175758 1.092693
2011-04-13 0.175758 1.034239
2011-01-12 0.175758 1.068930
2010-10-13 0.169697 1.049082
2010-07-13 0.169697 1.111111
2010-04-13 0.169697 1.033211
2010-01-13 0.169697 1.038191
2009-10-14 0.163636 0.873219
2009-07-15 0.163636 0.843748
2009-04-14 0.163636 1.079998
2009-01-13 0.163636 0.947366
2008-10-15 0.151515 0.891901
2008-07-11 0.151515 0.862961
2008-04-11 0.151515 0.807754
2008-01-11 0.151515 0.833333
2007-10-11 0.139394 0.765391
2007-07-12 0.139394 0.704441
2007-04-12 0.139394 0.708128
2007-01-12 0.139394 0.752864
2006-10-12 0.127273 0.673078
2006-07-12 0.127273 0.672001
2006-04-11 0.121212 0.653798
2006-01-11 0.121212 0.656249
2005-10-13 0.103896 0.576923
2005-07-13 0.103896 0.562499
2005-04-13 0.103896 0.591132
2005-01-12 0.103896 0.507757
2004-10-13 0.098124 0.567991
2004-07-13 0.098124 0.574712
2004-04-13 0.098124 0.632675
2004-01-13 0.098124 0.623853
2003-10-10 0.092352 0.581818
2003-07-11 0.092352 0.612557
2003-04-11 0.092352 0.806451
2003-01-13 0.092352 0.803750
2002-10-10 0.084656 0.751365
2002-07-11 0.084656 0.758620
2002-04-11 0.084656 0.825515
2002-01-11 0.084656 0.851063
2001-10-12 0.076960 0.781249
2001-07-12 0.076960 0.921658
2001-04-11 0.076960 1.006035
2001-01-11 0.076960 1.019107
2000-10-12 0.065416 0.874597
2000-04-13 0.065416 0.883116
2000-01-12 0.065416 0.826747
1999-10-25 0.053872 0.649275
1999-04-13 0.053872 0.654970
1999-01-13 0.053872 0.651162
Additional Data
dividendRate 1.28
dividendYield 3.75
exDividendDate 2026-07-15
trailingAnnualDividendRate 1.27
trailingAnnualDividendYield 0.037320014
lastDividendValue 0.32
lastDividendDate 2026-07-15
dividendDate 2026-08-03

Info Dump

Attribute Value
52 Week Change 0.27711296
Address1 717 Main Street
All Time High 40.58
All Time Low 6.060606
Ask 42.9
Ask Size 2
Audit Risk 7
Average Daily Volume10 Day 31,140
Average Daily Volume3 Month 40,890
Average Volume 40,890
Average Volume10Days 31,140
Beta 0.534
Bid 24.41
Bid Size 2
Board Risk 7
Book Value 26.733
City Honesdale
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 8
Country United States
Crypto Tradeable 0
Currency USD
Current Price 34.15
Custom Price Alert Confidence HIGH
Date Short Interest 1,786,665,600
Day High 34.19
Day Low 33.95
Display Name Norwood Financial
Dividend Date 1,785,715,200
Dividend Rate 1.28
Dividend Yield 3.75
Earnings Call Timestamp End 1,784,728,800
Earnings Call Timestamp Start 1,784,728,800
Earnings Growth 0.284
Earnings Quarterly Growth 0.503
Earnings Timestamp 1,784,723,400
Earnings Timestamp End 1,792,585,800
Earnings Timestamp Start 1,792,585,800
Ebitda Margins 0.0
Enterprise To Revenue 3.767
Enterprise Value 375,561,888
Eps Current Year 3.305
Eps Forward 3.85
Eps Trailing Twelve Months 2.92
Esg Populated 0
Ex Dividend Date 1,784,073,600
Exchange NGM
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 32.7568
Fifty Day Average Change 1.3931999
Fifty Day Average Change Percent 0.04253162
Fifty Two Week Change Percent 27.711296
Fifty Two Week High 35.45
Fifty Two Week High Change -1.2999992
Fifty Two Week High Change Percent -0.036671344
Fifty Two Week Low 23.82
Fifty Two Week Low Change 10.330002
Fifty Two Week Low Change Percent 0.43366927
Fifty Two Week Range 23.82 - 35.45
Financial Currency USD
First Trade Date Milliseconds 889,021,800,000
Five Year Avg Dividend Yield 4.21
Float Shares 9,851,097
Forward Eps 3.85
Forward P E 8.870131
Full Exchange Name NasdaqGM
Full Time Employees 275
Fullday Change 0.12000275
Fullday Change Percent 0.35263813
Fullday Price 34.15
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,785,542,400
Gross Margins 0.0
Gross Profits 99,685,000
Has Pre Post Market Data 1
Held Percent Insiders 0.08066
Held Percent Institutions 0.41402
Implied Shares Outstanding 10,902,074
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Is Earnings Date Estimate 1
Language en-US
Last Dividend Date 1,784,073,600
Last Dividend Value 0.32
Last Fiscal Year End 1,767,139,200
Last Split Date 1,505,692,800
Last Split Factor 3:2
Long Business Summary Norwood Financial Corp. operates as the bank holding company for Wayne Bank that provides various banking products and services in the United States. The company offers deposit products, including interest-bearing and non-interest-bearing transaction, statement savings, and money market accounts, as well as certificate of deposits. Its commercial loans include 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; construction financing; land and 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 offers annuity and insurance products; and engages in mutual fund sale, advisory services, and discount brokerage activities, as well as insurance agency business. The company serves consumers, businesses, nonprofit organizations, and municipalities. It operates automated teller machines and branches in Northeastern Pennsylvania; and in New York counties of Delaware, Sullivan, Ontario, Otsego, and Yates. The company was founded in 1870 and is based in Honesdale, Pennsylvania.
Long Name Norwood Financial Corp.
Market us_market
Market Cap 372,305,856
Market State PREPRE
Max Age 86,400
Message Board Id finmb_381296
Most Recent Quarter 1,782,777,600
Net Income To Common 28,835,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 370,452,474
Number Of Analyst Opinions 2
Open 34.15
Operating Cashflow 33,017,000
Operating Margins 0.44877997
Overall Risk 7
Payout Ratio 0.43150002
Peg Ratio 2.36
Phone 570 253 1455
Post Market Change 0.0
Post Market Change Percent 0.0
Post Market Price 34.15
Post Market Time 1,787,947,805
Previous Close 34.03
Price Eps Current Year 10.332829
Price Hint 2
Price To Book 1.2774475
Price To Sales Trailing12 Months 3.7348232
Profit Margins 0.28926
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key none
Region US
Regular Market Change 0.12000275
Regular Market Change Percent 0.35263813
Regular Market Day High 34.19
Regular Market Day Low 33.95
Regular Market Day Range 33.95 - 34.19
Regular Market Open 34.15
Regular Market Previous Close 34.03
Regular Market Price 34.15
Regular Market Time 1,787,947,200
Regular Market Volume 16,578
Return On Assets 0.0109399995
Return On Equity 0.11196999
Revenue Growth 0.347
Revenue Per Share 9.943
Sand P52 Week Change 0.20204377
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 7
Shares Outstanding 10,902,074
Shares Percent Shares Out 0.013300001
Shares Short 145,110
Shares Short Previous Month Date 1,784,073,600
Shares Short Prior Month 146,196
Short Name Norwood Financial Corp.
Short Percent Of Float 0.0145000005
Short Ratio 3.81
Source Interval 15
State PA
Symbol NWFL
Target High Price 38.0
Target Low Price 35.0
Target Mean Price 36.5
Target Median Price 36.5
Total Cash 61,092,000
Total Cash Per Share 5.633
Total Debt 66,316,000
Total Revenue 99,685,000
Tradeable 0
Trailing Annual Dividend Rate 1.27
Trailing Annual Dividend Yield 0.037320014
Trailing Eps 2.92
Trailing P E 11.695206
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 30.3481
Two Hundred Day Average Change 3.8019009
Two Hundred Day Average Change Percent 0.1252764
Type Disp Equity
Volume 16,578
Website https://wayne.bank
Zip 18,431