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NWFLNorwood Financial Corp.
$31.60$292M
Overview & Verdict
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NWFL logoNorwood Financial Corp.(NWFL)Earnings, Financials & Key Ratios

NWFL•NASDAQ•Banking & Credit
$31.60
10.4× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutNorwood 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 various loans, such as 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; 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; trust and investment products; and cash management, direct deposit, remote deposit capture, mobile deposit capture, mobile payment, 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 fourteen offices in Northeastern Pennsylvania; and sixteen offices in Delaware, Sullivan, Ontario, Otsego, and Yates Counties, New York, as well as thirty-one automated teller machines. Norwood Financial Corp. was founded in 1870 and is headquartered in Honesdale, Pennsylvania.Show more
  • Net Interest Income$78M+25.9%
  • Total Revenue$136M+34.2%
  • Net Income$28M+17446.3%
  • Return on Equity12.18%+15120.7%
  • Net Interest Margin3.23%+20.4%
  • Efficiency Ratio37.56%-21.6%
  • ROA1.17%+16585.9%
  • Equity / Assets9.99%+8.4%
  • Book Value per Share26.43-1.0%

NWFL Price & Volume

Norwood Financial Corp. (NWFL) stock price & volume — 10-year historical chart

Loading chart...

Aggressive Asset Growth Faces Margin Compression Headwinds

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Accelerating
Profitability:Moderate
Financial:Healthy
Cash Flow:Stable
Primary Risk:Indirect leisure loan volatility

Key Thesis Takeaways

  • Norwood Financial Corp.
  • is currently executing an aggressive balance sheet expansion strategy, evidenced by total assets growing to $2.9 billion in 2026Q1.
  • While the bank has successfully improved its efficiency ratio to 35.5%, investors should remain cautious regarding the persistent 0.8% net interest margin and the potential credit volatility stemming from its specialized indirect leisure loan portfolio.
  • Future performance will likely depend on management's ability to scale revenue while maintaining disciplined provisioning against these specific credit risks.

Verdict Logic

while the bank shows accelerating revenue growth of 37.5%, the 1.23 P/B valuation and ongoing credit provisioning risks warrant a wait-and-see approach until margins expand beyond the current 0.8% level.

NWFL Growth Metrics

Norwood Financial Corp. (NWFL) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years15.41%
5 Years15.5%
3 Years16.73%
TTM-

Profit CAGR

10 Years16.73%
5 Years12.98%
3 Years-1.72%
TTM2080.75%

EPS CAGR

10 Years10.97%
5 Years7.71%
3 Years-5.41%
TTM3011.11%

Return on Capital

10 Years9.1%
5 Years9.93%
3 Years6.85%
Last Year11.83%

NWFL Recent Earnings

Norwood Financial Corp. (NWFL) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 3/12 qtrs (43%)●Beat Revenue 2/12 qtrs (29%)
Q2 2026Latest
Apr 27, 2026
Metric
Actual
Est
EPS
$0.72-11.1%
$0.81
Rev
$27M-0.7%
$28M
Q2 2026
Mar 13, 2026
Metric
Actual
Est
EPS
$0.81
—
Rev
$36M
—
Q1 2026
Jan 26, 2026
Metric
Actual
Est
EPS
$0.38-55.3%
$0.85
Rev
$36M+51.3%
$24M
Q1 2026
Jan 22, 2026
Metric
Actual
Est
EPS
$0.84-1.2%
$0.85
Rev
$24M+0.0%
$24M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 27, 2026
$0.72vs $0.81-11.1%
$27Mvs $28M-0.7%
Q2 2026Mar 13, 2026
$0.81
$36M
Q1 2026Jan 26, 2026
$0.38vs $0.85-55.3%
$36Mvs $24M+51.3%
Q1 2026Jan 22, 2026
$0.84vs $0.85-1.2%
$24Mvs $24M+0.0%
Based on last 12 quarters of dataView full earnings history →

Latest NWFL News

Recent stock market news and headlines for Norwood Financial Corp. (NWFL)

Globe News Wire·Jun 30, 2026
Norwood Financial Corp Announces Timing of Second Quarter 2026 Earnings Release and Conference Call

HONESDALE, Pa. , June 30, 2026 (GLOBE NEWSWIRE) -- Norwood Financial Corp (Nasdaq Global Market-NWFL) and its subsidiary, Wayne Bank, will release its second quarter 2026 financial results before market opens on Wednesday, July 22nd, 2026. On the same day, the Company will host a webcast and conference call at 10:00 a.

GlobeNewsWire·Jun 30, 2026
Norwood Financial Corp Announces Timing of Second Quarter 2026 Earnings Release and Conference Call

HONESDALE, Pa., June 30, 2026 (GLOBE NEWSWIRE) -- Norwood Financial Corp (Nasdaq Global Market-NWFL) and its subsidiary, Wayne Bank, will release its second quarter 2026 financial results before market opens on Wednesday, July 22nd, 2026.

Zacks Investment Research·Jun 24, 2026
Why Norwood Financial Corp. (NWFL) is a Top Dividend Stock for Your Portfolio

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Norwood Financial (NWFL) have what it takes?

GlobeNewsWire·Jun 18, 2026
Norwood Financial Corp Announces Cash Dividend

HONESDALE, Pa., June 18, 2026 (GLOBE NEWSWIRE) -- Norwood Financial Corp (NASDAQ Global Market - NWFL) and its subsidiary Wayne Bank, announced that the Board of Directors has declared a $0.32 per share cash dividend, which is payable on August 3, 2026, to shareholders of record as of July 15, 2026.

Peers Comparison

Key metrics vs top competitors for Norwood Financial Corp. (NWFL)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
NWFL logoNWFLNorwood Financial Corp.Current
$31.60$291.69M10.4334.22%20.39%12.18%3.97%
CZWI logoCZWICitizens Community Bancorp, Inc.
$23.29$224.61M15.95-9.41%16.49%8%—
NBTB logoNBTBNBT Bancorp Inc.
$49.63$2.58B14.9010.36%19.66%9.83%—
FXNC logoFXNCFirst National Corporation
$29.30$264.9M14.9527.11%18.05%11.51%—
FUNC logoFUNCFirst United Corporation
$43.96$283.4M11.666.6%20.89%12.7%—
ACNB logoACNBACNB Corporation
$59.24$604.96M16.4628.89%25.81%12.38%—

Compare NWFL vs Peers

Norwood Financial Corp. (NWFL) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs CZWI

Most directly comparable listed peer for NWFL.

Scale Benchmark

vs ICE

Larger-name benchmark to compare NWFL against a more recognizable public peer.

Peer Set

Compare Top 5

vs CZWI, NBTB, FXNC, FUNC

NWFL SEC Filings & Documents

Norwood Financial Corp. (NWFL) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Jun 18, 2026·SEC

Material company update

Jun 18, 2026·SEC

Material company update

May 4, 2026·SEC

10-K Annual Reports

2
FY 2026

Mar 13, 2026·SEC

FY 2025

Mar 14, 2025·SEC

10-Q Quarterly Reports

6
FY 2026

May 8, 2026·SEC

FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 8, 2025·SEC

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NWFL Frequently Asked Questions

Norwood Financial Corp. (NWFL) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Norwood Financial Corp. growing?

Norwood Financial Corp. (NWFL) grew revenue by 34.2% over the past year. This is strong growth.

Is NWFL profitable?

Yes, Norwood Financial Corp. (NWFL) is profitable, generating $25.7M in net income for fiscal year 2025 (20.4% net margin).

Dividend & Returns
Does NWFL pay dividends?

Yes, Norwood Financial Corp. (NWFL) pays a dividend with a yield of 3.97%. This makes it attractive for income-focused investors.

What is NWFL's return on equity?

Norwood Financial Corp. (NWFL) has a return on equity (ROE) of 12.2%. This is reasonable for most industries.

Industry Metrics
What is Norwood Financial Corp.'s net interest margin?

Norwood Financial Corp. (NWFL) has a net interest margin (NIM) of 3.2%. This indicates healthy earnings from lending activities.

What is Norwood Financial Corp.'s efficiency ratio?

Norwood Financial Corp. (NWFL) has an efficiency ratio of 37.6%. This is excellent, indicating strong cost control.

What if you invested $1,000 in NWFL back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →