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NWFL Overview

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Intellectia

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High
30.640
Open
30.640
VWAP
30.35
Vol
20.21K
Mkt Cap
329.23M
Low
30.170
Amount
613.46K
EV/EBITDA(TTM)
9.65
Total Shares
10.89M
EV
392.01M
EV/OCF(TTM)
2.22
P/S(TTM)
3.32
Norwood Financial Corp. is a holding company for Wayne Bank (the Bank). The Bank offers a variety of personal and business credit services, trust and investment products and real estate settlement services to consumers, businesses, nonprofit organizations, and municipalities in each of the communities that it serves. The Bank operates over 33 offices, which primarily serve the northeastern Pennsylvania counties of Wayne, Pike, Monroe, Lackawanna and Luzerne, Chester, Lancaster Counties, and Susquehanna County, in addition to the New York counties of Delaware, Sullivan, Ontario, Otsego and Yates. In addition, the Bank operates automated teller machines at 30 branch facilities plus one machine at an off-site location. The Bank operates a Wealth Management/Trust Department, which provides estate planning, investment management and financial planning to customers.
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Events Timeline

(ET)
2026-01-22
12:10:00
Major Averages Rise Amid Trump Comments
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2026-01-22
08:30:00
Norwood CEO Optimistic About 2026 Outlook
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2026-01-05 (ET)
2026-01-05
08:40:00
Norwood Financial Completes Acquisition of PB Bankshares
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2025-12-12 (ET)
2025-12-12
08:20:00
Norwood Financial Receives Final Regulatory Approvals for PB Bankshares Acquisition
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2025-10-22 (ET)
2025-10-22
08:20:31
Norwood Financial announces Q3 earnings per share of 94 cents, up from 48 cents a year ago.
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2025-09-17 (ET)
2025-09-17
08:17:23
Norwood Financial Chairman Critelli to Retire, Successor Named as Forte
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2025-07-07 (ET)
2025-07-07
16:23:51
Norwood Financial to acquire PB Bankshares in cash, stock transaction
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2025-04-17 (ET)
2025-04-17
08:17:08
Norwood Financial reports Q1 adjusted EPS 38c, consensus 56c
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News

NASDAQ.COM
2.0
04-27NASDAQ.COM
Norwood Financial (NWFL) Q1 2026 Earnings Transcript
seekingalpha
9.5
04-27seekingalpha
Norwood Financial Corp. Q1 2026 Earnings Call Highlights
  • Significant Performance Growth: Norwood Financial Corp. reported a record net interest income of $24.6 million for Q1 2026, reflecting a 38% year-over-year increase, indicating substantial asset and loan portfolio expansion following the Presence Bank acquisition, thereby enhancing profitability.
  • Successful Integration Progress: Management noted the completion of core system integration, unifying IT and HR systems, which is expected to improve operational efficiency and accelerate future business growth, particularly with the integration of the commercial credit system scheduled for July.
  • Rising Expense Pressure: The quarter saw approximately $5 million in merger-related expenses, a significant increase from $520,000 in Q4 2025, primarily driven by rising technology-related costs, with management anticipating this trend to continue impacting future operating expenses.
  • Optimistic Outlook: While no specific EPS or revenue guidance was provided, management projected total margin accretion of about $2.2 million for 2026, reflecting confidence in future profitability, especially in terms of interest rate and expense management.
seekingalpha
9.5
04-27seekingalpha
Norwood Financial Reports Strong Q1 Earnings Growth
  • Significant Earnings Growth: Norwood Financial (NWFL) reported a Q1 GAAP EPS of $0.35, reflecting a year-over-year increase that demonstrates the company's ongoing profitability improvement, thereby boosting investor confidence.
  • Substantial Revenue Increase: The company achieved revenues of $27.27 million in Q1, marking a 35% year-over-year growth, primarily driven by increased loan demand and an improved interest rate environment, which is expected to further enhance future financial performance.
  • Robust Book Value: Tangible Book Value per share stands at $22.43, indicating a healthy balance sheet that strengthens the company's competitive position in the market and provides a solid return foundation for shareholders.
  • Rising Investor Interest: As Norwood Financial's financial performance continues to improve, market interest in the company is also rising, with analyst ratings and enhanced investor confidence potentially driving further stock price appreciation.
NASDAQ.COM
9.5
04-27NASDAQ.COM
Norwood Financial Reports Decline in Q1 Profit
  • Profit Decline: Norwood Financial Corp. reported a first-quarter profit of $3.73 million, or $0.35 per share, which is a significant drop from last year's $5.77 million and $0.63 per share, indicating pressure on the company's profitability.
  • Adjusted Earnings Performance: Excluding items, Norwood's adjusted earnings stood at $7.81 million, or $0.72 per share, which, despite the decline compared to last year, still reflects a degree of profitability.
  • Revenue Growth: The company experienced a 27.6% year-over-year increase in revenue, reaching $38.38 million compared to $30.08 million last year, highlighting the company's growth potential in revenue generation.
  • Market Reaction: Despite the revenue growth, the profit decline may raise investor concerns regarding the company's future profitability, potentially impacting its stock performance and market confidence.
moomoo
9.5
04-27moomoo
Norwood Financial Corp Reports Q1 Adjusted EPS of $0.72
  • Company Overview: Norwood Financial Corp is a financial institution that has reported its Q1 adjusted EPS as $0.72.
  • Financial Performance: The earnings per share (EPS) reflects the company's financial performance for the first quarter of the fiscal year.
Newsfilter
9.5
04-08Newsfilter
Norwood Financial Corp to Release Q1 2026 Financial Results
  • Earnings Release Schedule: Norwood Financial Corp and its subsidiary Wayne Bank will release their Q1 2026 financial results before market opens on April 27, 2026, providing investors with insights into the latest financial health and operational performance.
  • Webcast Details: On the same day, the company will host a webcast and conference call at 10:30 a.m. ET to discuss the financial results, allowing investors to register via a provided link to stay updated on the company's developments.
  • Investor Relations Support: A slide presentation will be available for download during the meeting on Wayne Bank's Investor Relations website, enhancing transparency and supporting investor decision-making processes.
  • Company Background: Norwood Financial Corp operates 33 community offices through Wayne Bank across Pennsylvania and New York, managing total assets of $2.9 billion, demonstrating its robust position in the regional financial services market.

Valuation Metrics

The current forward P/E ratio for Norwood Financial Corp (NWFL.O) is 10.31, compared to its 5-year average forward P/E of 2.67. For a more detailed relative valuation and DCF analysis to assess Norwood Financial Corp's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average PE
2.67
Current PE
10.31
Overvalued PE
6.93
Undervalued PE
-1.59

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
0.71
Current EV/EBITDA
6.35
Overvalued EV/EBITDA
3.12
Undervalued EV/EBITDA
-1.71

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average PS
0.72
Current PS
2.77
Overvalued PS
1.86
Undervalued PS
-0.43

Financials

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Frequently Asked Questions

What is Norwood Financial Corp (NWFL) stock price today?

The current price of NWFL is 30.23 USD — it has decreased -1.6

What is Norwood Financial Corp (NWFL)'s business?

Norwood Financial Corp. is a holding company for Wayne Bank (the Bank). The Bank offers a variety of personal and business credit services, trust and investment products and real estate settlement services to consumers, businesses, nonprofit organizations, and municipalities in each of the communities that it serves. The Bank operates over 33 offices, which primarily serve the northeastern Pennsylvania counties of Wayne, Pike, Monroe, Lackawanna and Luzerne, Chester, Lancaster Counties, and Susquehanna County, in addition to the New York counties of Delaware, Sullivan, Ontario, Otsego and Yates. In addition, the Bank operates automated teller machines at 30 branch facilities plus one machine at an off-site location. The Bank operates a Wealth Management/Trust Department, which provides estate planning, investment management and financial planning to customers.

What is the price predicton of NWFL Stock?

Wall Street analysts forecast NWFL stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for NWFL is USD with a low forecast of USD and a high forecast of USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

What is Norwood Financial Corp (NWFL)'s revenue for the last quarter?

Norwood Financial Corp revenue for the last quarter amounts to 25.19M USD, increased 35.01

What is Norwood Financial Corp (NWFL)'s earnings per share (EPS) for the last quarter?

Norwood Financial Corp. EPS for the last quarter amounts to 0.35 USD, decreased -44.44

How many employees does Norwood Financial Corp (NWFL). have?

Norwood Financial Corp (NWFL) has 275 emplpoyees as of May 31 2026.

What is Norwood Financial Corp (NWFL) market cap?

Today NWFL has the market capitalization of 329.23M USD.