Norwood Financial Corp (NWFL)
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This stock currently matches 3 of our scanner strategies — each hit links to the scanner.
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 34.10 $ — 100% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/04/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AAQS
5/10The AAQS (AlleAktien Quality Score) checks 10 quality criteria on growth, profitability, and balance-sheet strength — per the methodology developed and published by AlleAktien, calculated by us from our own fundamental data. A stock counts as a quality stock from 9 out of 10 points. Where a company has a shorter listing history, we calculate over the fiscal years available (at least five).
- Sales growth 10Y > 5% 15.4%
- Exp. sales growth 3Y > 5% -4.3%
- EBIT growth 10Y > 5% 17.1%
- Exp. EBIT growth 3Y > 5% 12.7%
- Net debt < 4x EBIT -7.1x
- EBIT positive, 10Y straight 9
- Max. EBIT decline < 50% 100.0%
- Return on equity > 15% 13.0%
- ROCE > 15% 12.3%
- Expected return > 10% 21.5%
View all AAQS quality stocks · Read the methodology at AlleAktien
Source: fundamental data
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Growth Score
8 of 10 Growth gemTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 16.7% passed
- More than 10% revenue growth is expected for the coming year 6.2% failed
- Share count grows by less than 3% a year 3.9% failed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 55.7% passed
- Gross margin at 40% or higher and without meaningful erosion 63.6% passed
- Goodwill from acquisitions does not grow faster than revenue 1.2% passed
- Net debt below twice EBITDA 250 m net cash passed
- Operating cash flow covers the profits of the last three years 42 m passed
- Return on capital at 15% or higher, or up versus two years ago 12.3% passed
- Insiders hold at least 10% or are net buyers 8.0% passed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Analysts & Price Target
The price target sits 7.0% above the current price.
- Consensus
- Sell
- Analyst Ratings
- 3
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 3.31 | 3.11 – 3.50 | 117 | 6.3% | 2 |
| 12/31/2027 | 3.85 | 3.80 – 3.90 | 125 | 16.5% | 2 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Next Reporting Date
- Expected Earnings per Share
- 0.96 $
Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
Click the chart or tab into it, then use ← and → to step through the periods.
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· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | -1.16 | -3,673.70 | 12 | -58.10 | -107.00 | 5 | 3 |
| 2025: Q1 | 0.53 | 30.20 | 32 | 12.10 | 17.80 | 9 | 8 |
| 2025: Q2 | 0.57 | 47.30 | 34 | 12.00 | 18.50 | 7 | 5 |
| 2025: Q3 | 0.77 | 116.80 | 35 | 12.70 | 24.00 | 9 | 12 |
| 2025: Q4 | 0.68 | – | 36 | 200.70 | 20.90 | 9 | 8 |
| 2026: Q1 | 0.34 | -35.40 | 31 | -3.90 | 12.00 | 6 | 6 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 37 | 9 | 7 | 1.15 | 11 | 111 | 1,111 |
| 2017 | 46 | 15 | 8 | 1.31 | 16 | 116 | 1,133 |
| 2018 | 50 | 16 | 14 | 2.17 | 17 | 122 | 1,185 |
| 2019 | 54 | 17 | 14 | 2.24 | 18 | 137 | 1,231 |
| 2020 | 66 | 18 | 15 | 2.09 | 14 | 195 | 1,852 |
| 2021 | 79 | 31 | 25 | 3.04 | 29 | 205 | 2,069 |
| 2022 | 86 | 36 | 29 | 3.58 | 31 | 167 | 2,047 |
| 2023 | 104 | 21 | 17 | 2.07 | 30 | 181 | 2,201 |
| 2024 | 101 | 0 | 0 | -0.02 | 23 | 214 | 2,317 |
| 2025 | 136 | 35 | 28 | 3.03 | 34 | 242 | 2,425 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
Norwood Financial Corp. ist die Bankholding der Wayne Bank, die in den USA verschiedene Bankprodukte und -dienstleistungen anbietet.
| Employees | 275 |
|---|---|
| Headquarters | Honesdale, PA |
| Address | 717 Main Street, 18431 Honesdale, United States |
| Phone | 570 253 1455 |
| Website | wayne.bank |
| IPO Date | 2. Mar 1998 |
| ISIN | US6695491075 |
| Stock Split | 3:2 on 09/18/2017 |
Management
| Name | Title | Birth Year |
|---|---|---|
| James O. Donnelly | President, CEO & Director | 1968 |
| John Martin McCaffery Jr. | Executive VP & CFO | 1964 |
| John F. Carmody | Executive VP & Chief Credit Officer | 1970 |
| Janak M. Amin | Executive VP & COO | 1965 |
| Kristen E. Lancia CFMP | VP & Marketing Manager | – |
| Ryan J. French | Executive VP & Director of Human Resources | – |
| Joseph W. Adams | Senior VP & Director of Wealth Management | 1963 |
| Tracie A. Young | Executive VP & Director of Risk | 1970 |
| Joseph Mahon | Senior VP & Finger Lakes Commercial Loan Team Leader | – |
| Steven R. Daniels | Executive VP & Director of Consumer Banking | – |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Insider Transactions
| Date | Person | Role | Type | Shares | Price | Value |
|---|---|---|---|---|---|---|
| 28. Jul 2026 | Shook James | Director | Buy | 3,100 | 34.55 | 107,105 |
| 10. Jul 2026 | Andress Spencer J | Director | Other | 43 | 31.88 | 1,371 |
| 10. Jul 2026 | Carroll Joseph W | Director | Other | 43 | 31.88 | 1,371 |
| 10. Jul 2026 | Forte Andrew | Director | Other | 52 | 31.88 | 1,658 |
| 10. Jul 2026 | Gifford Jeffrey S | Director | Other | 43 | 31.88 | 1,371 |
| 10. Jul 2026 | Hungerford Meg L | Director | Other | 43 | 31.88 | 1,371 |
| 10. Jul 2026 | Lamont Kevin M | Director | Other | 43 | 31.88 | 1,371 |
| 10. Jul 2026 | Matergia Ralph A | Director | Other | 43 | 31.88 | 1,371 |
| 10. Jul 2026 | Nacinovich Marissa S | Director | Other | 43 | 31.88 | 1,371 |
| 10. Jul 2026 | Nolan Alexandra K | Director | Other | 43 | 31.88 | 1,371 |
Reportable transactions by officers and major shareholders from SEC Form 4 filings. "Other" includes things like stock grants and option exercises without a buy/sell character.
View all insider transactions →Chart
Interactive price chart (TradingView).
Data as of: August 3, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.