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Norwood Financial Corp. (NWFL)

Financial Services | Banks - Regional | Honesdale, United States | NasdaqGM
33.59 USD +0.13 (0.389%) ⇧ (Oct. 16, 2026, 3:31 p.m. EDT)

Short-term:★★⯪☆☆Long-term:★★★☆☆Dividends:★★★⯪☆
Hot Take ↕ | Oct. 10, 2026, 7:11 a.m. EDT

The most compelling signal here is the aggressive insider buying by the independent director, who purchased over $100k worth of shares recently. This suggests management sees significant value at current levels despite the recent earnings miss. Fundamentally, the company presents a classic value profile with a forward P/E of roughly 8.6x and a robust 34.7% revenue growth rate, indicating a business that is expanding rapidly while trading at a discount. However, the price chart tells a different story in the immediate term; the stock is currently hovering near its 52-week highs but has recently failed to break above the 50-day moving average, showing a lack of immediate momentum. While the long-term trajectory over the last nine years is positive (+25%), the market has punished the stock recently, resulting in a single year of decline. The dividend yield of nearly 3.8% is attractive and sustainable given the 43.6% payout ratio, offering a nice floor for income investors. Ultimately, this looks like a contrarian setup where strong fundamentals and insider confidence are fighting against short-term technical weakness.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoTheta ✓0.010885
AutoETS0.011736
MSTL0.012218
AutoARIMA0.012888

Forecast horizon: 45 days | Selected: AutoTheta

Forecast Reliability
Score 47%
H-stat 5.81
Ljung-Box p 0.000
Jarque-Bera p 0.721
Excess Kurtosis 0.13
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-10-14
Last Dividend Date 2026-10-14
Revenue per Share 9.943
Market Cap 366,200,672
Trailing P/E 11.62
Forward P/E 8.67
Beta 0.55
Profit Margins 28.93%
Website https://wayne.bank

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.96% 4.16% 4.54% 4.36%
Dividend History
Date Dividend Yield %
2026-10-15 0.320000 0.956366
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 3.82
exDividendDate 2026-10-15
trailingAnnualDividendRate 1.27
trailingAnnualDividendYield 0.03795577
lastDividendValue 0.32
lastDividendDate 2026-10-15
dividendDate 2026-11-02

Info Dump

Attribute Value
52 Week Change 0.37299955
Address1 717 Main Street
All Time High 40.58
All Time Low 6.060606
Ask 42.9
Ask Size 2
Audit Risk 7
Average Analyst Rating 2.0 - Buy
Average Daily Volume10 Day 36,070
Average Daily Volume3 Month 35,706
Average Volume 35,706
Average Volume10Days 36,070
Beta 0.548
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 33.59
Custom Price Alert Confidence HIGH
Date Short Interest 1,790,726,400
Day High 34.0
Day Low 33.05
Display Name Norwood Financial
Dividend Date 1,793,577,600
Dividend Rate 1.28
Dividend Yield 3.82
Earnings Call Timestamp End 1,793,131,200
Earnings Call Timestamp Start 1,793,131,200
Earnings Growth 0.284
Earnings Quarterly Growth 0.503
Earnings Timestamp 1,793,104,200
Earnings Timestamp End 1,793,104,200
Earnings Timestamp Start 1,793,104,200
Ebitda Margins 0.0
Enterprise To Revenue 3.692
Enterprise Value 368,079,232
Eps Current Year 3.475
Eps Forward 3.875
Eps Trailing Twelve Months 2.89
Esg Populated 0
Ex Dividend Date 1,792,022,400
Exchange NGM
Exchange Data Delayed By 15
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 34.074
Fifty Day Average Change -0.48400116
Fifty Day Average Change Percent -0.014204412
Fifty Two Week Change Percent 37.299953
Fifty Two Week High 35.48
Fifty Two Week High Change -1.8899994
Fifty Two Week High Change Percent -0.05326943
Fifty Two Week Low 24.08
Fifty Two Week Low Change 9.51
Fifty Two Week Low Change Percent 0.39493355
Fifty Two Week Range 24.08 - 35.48
Financial Currency USD
First Trade Date Milliseconds 889,021,800,000
Five Year Avg Dividend Yield 4.17
Float Shares 9,824,094
Forward Eps 3.875
Forward P E 8.668387
Full Exchange Name NasdaqGM
Full Time Employees 275
Fullday Change 0.13000107
Fullday Change Percent 0.38852683
Fullday Price 33.59
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,790,812,800
Gross Margins 0.0
Gross Profits 99,685,000
Has Pre Post Market Data 1
Held Percent Insiders 0.08157
Held Percent Institutions 0.42756
Implied Shares Outstanding 10,902,074
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Is Earnings Date Estimate 0
Language en-US
Last Dividend Date 1,792,022,400
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 366,200,672
Market State REGULAR
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 363,475,147
Number Of Analyst Opinions 2
Open 33.53
Operating Cashflow 33,017,000
Operating Margins 0.44877997
Overall Risk 7
Payout Ratio 0.436
Peg Ratio 2.36
Phone 570 253 1455
Previous Close 33.46
Price Eps Current Year 9.666187
Price Hint 2
Price To Book 1.2564995
Price To Sales Trailing12 Months 3.6735785
Profit Margins 0.28926
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key buy
Recommendation Mean 2.0
Region US
Regular Market Change 0.13000107
Regular Market Change Percent 0.38852683
Regular Market Day High 34.0
Regular Market Day Low 33.05
Regular Market Day Range 33.05 - 34.0
Regular Market Open 33.53
Regular Market Previous Close 33.46
Regular Market Price 33.59
Regular Market Time 1,792,179,063
Regular Market Volume 64,715
Return On Assets 0.0109399995
Return On Equity 0.11196999
Revenue Growth 0.347
Revenue Per Share 9.943
Sand P52 Week Change 0.16207206
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 0.0139
Shares Short 151,772
Shares Short Previous Month Date 1,788,134,400
Shares Short Prior Month 153,518
Short Name Norwood Financial Corp.
Short Percent Of Float 0.0150999995
Short Ratio 4.47
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 0.03795577
Trailing Eps 2.89
Trailing P E 11.622837
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 31.26675
Two Hundred Day Average Change 2.3232498
Two Hundred Day Average Change Percent 0.07430416
Type Disp Equity
Volume 64,715
Website https://wayne.bank
Zip 18,431