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Norwood Financial Corp. (NWFL)

Financial Services | Banks - Regional | Honesdale, United States | NasdaqGM
31.88 USD +0.50 (1.594%) ⇧ (July 14, 2026, 9:58 a.m. EDT)

Short-term:★★★⯪☆Long-term:★★⯪☆☆Dividends:★★★⯪☆
Hot Take | July 11, 2026, 4:10 a.m. EDT

The immediate outlook is cautiously constructive, driven by a clear technical breakout where the share price has decisively crossed above its 50-day moving average, signaling renewed institutional interest and upward momentum. This technical strength is reinforced by a robust recent price run, with the stock climbing from the mid-$20s to trade near $32, suggesting the market is currently re-rating the business positively. However, this short-term optimism clashes with the underlying multi-year reality; despite a positive cumulative return over the last nine years, the company has endured two consecutive years of negative annual growth, indicating a fragile operational floor rather than a sustained expansion engine. While the balance sheet remains healthy with manageable debt and a solid return on equity, the lack of recent earnings acceleration prevents a higher long-term rating. On the income side, the stock offers a compelling 4% yield, bolstered by a conservative payout ratio that suggests the dividend is safe, though the recent modest increase in payments reflects a cautious approach to growth rather than aggressive expansion.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoTheta ✓0.037643
AutoARIMA0.037760
MSTL0.038095
AutoETS0.038993

Forecast horizon: 45 days | Selected: AutoTheta

Forecast Reliability
Score 44%
H-stat 11.35
Ljung-Box p 0.000
Jarque-Bera p 0.483
Excess Kurtosis -0.79
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-07-14
Last Dividend Date 2026-04-14
Revenue per Share 9.629
Market Cap 347,198,752
Trailing P/E 11.55
Forward P/E 8.72
Beta 0.53
Profit Margins 27.76%
Website https://wayne.bank

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
1.04% 4.68% 4.25% 4.17%
Dividend History
Date Dividend Yield %
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 4.08
exDividendDate 2026-07-15
trailingAnnualDividendRate 1.26
trailingAnnualDividendYield 0.040152963
lastDividendValue 0.32
lastDividendDate 2026-04-15
dividendDate 2026-08-03

Info Dump

Attribute Value
52 Week Change 0.27044535
Address1 717 Main Street
All Time High 40.58
All Time Low 6.060606
Ask 40.87
Ask Size 2
Audit Risk 7
Average Analyst Rating 2.0 - Buy
Average Daily Volume10 Day 33,280
Average Daily Volume3 Month 31,993
Average Volume 31,993
Average Volume10Days 33,280
Beta 0.534
Bid 22.73
Bid Size 2
Board Risk 7
Book Value 26.213
City Honesdale
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 8
Country United States
Crypto Tradeable 0
Currency USD
Current Price 31.8803
Custom Price Alert Confidence HIGH
Date Short Interest 1,782,777,600
Day High 31.8803
Day Low 31.16
Display Name Norwood Financial
Dividend Date 1,785,715,200
Dividend Rate 1.28
Dividend Yield 4.08
Earnings Call Timestamp End 1,784,750,400
Earnings Call Timestamp Start 1,784,750,400
Earnings Growth -0.447
Earnings Quarterly Growth -0.354
Earnings Timestamp 1,784,723,400
Earnings Timestamp End 1,784,723,400
Earnings Timestamp Start 1,784,723,400
Ebitda Margins 0.0
Enterprise To Revenue 3.515
Enterprise Value 325,621,120
Eps Current Year 3.4
Eps Forward 3.655
Eps Trailing Twelve Months 2.76
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 30.7186
Fifty Day Average Change 1.1617012
Fifty Day Average Change Percent 0.03781752
Fifty Two Week Change Percent 27.044535
Fifty Two Week High 32.86
Fifty Two Week High Change -0.9797001
Fifty Two Week High Change Percent -0.029814366
Fifty Two Week Low 23.7
Fifty Two Week Low Change 8.1803
Fifty Two Week Low Change Percent 0.3451603
Fifty Two Week Range 23.7 - 32.86
Financial Currency USD
First Trade Date Milliseconds 889,021,800,000
Five Year Avg Dividend Yield 4.21
Float Shares 9,843,342
Forward Eps 3.655
Forward P E 8.722381
Full Exchange Name NasdaqGM
Full Time Employees 275
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,782,864,000
Gross Margins 0.0
Gross Profits 92,627,000
Has Pre Post Market Data 1
Held Percent Insiders 0.080369994
Held Percent Institutions 0.42238
Implied Shares Outstanding 10,890,699
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Is Earnings Date Estimate 0
Language en-US
Last Dividend Date 1,776,211,200
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 347,198,752
Market State REGULAR
Max Age 86,400
Message Board Id finmb_381296
Most Recent Quarter 1,774,915,200
Net Income To Common 25,712,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 341,314,506
Number Of Analyst Opinions 2
Open 31.6
Operating Cashflow 30,866,000
Operating Margins 0.40562
Overall Risk 7
Payout Ratio 0.45790002
Peg Ratio 2.36
Phone 570 253 1455
Previous Close 31.38
Price Eps Current Year 9.376558
Price Hint 2
Price To Book 1.2162019
Price To Sales Trailing12 Months 3.7483537
Profit Margins 0.27759
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key buy
Recommendation Mean 2.0
Region US
Regular Market Change 0.50030136
Regular Market Change Percent 1.594332
Regular Market Day High 31.8803
Regular Market Day Low 31.16
Regular Market Day Range 31.16 - 31.8803
Regular Market Open 31.6
Regular Market Previous Close 31.38
Regular Market Price 31.8803
Regular Market Time 1,784,037,532
Regular Market Volume 6,130
Return On Assets 0.00971
Return On Equity 0.1019
Revenue Growth 0.334
Revenue Per Share 9.629
Sand P52 Week Change 0.20365608
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 7
Shares Outstanding 10,890,699
Shares Percent Shares Out 0.0128999995
Shares Short 139,988
Shares Short Previous Month Date 1,780,012,800
Shares Short Prior Month 88,898
Short Name Norwood Financial Corp.
Short Percent Of Float 0.0139999995
Short Ratio 2.65
Source Interval 15
State PA
Symbol NWFL
Target High Price 34.0
Target Low Price 34.0
Target Mean Price 34.0
Target Median Price 34.0
Total Cash 103,349,000
Total Cash Per Share 9.541
Total Debt 89,044,000
Total Revenue 92,627,000
Tradeable 0
Trailing Annual Dividend Rate 1.26
Trailing Annual Dividend Yield 0.040152963
Trailing Eps 2.76
Trailing P E 11.550834
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 29.06735
Two Hundred Day Average Change 2.8129501
Two Hundred Day Average Change Percent 0.09677353
Type Disp Equity
Volume 6,130
Website https://wayne.bank
Zip 18,431