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NASDAQ · Banks - Regional · USD

Norwood Financial Corp. (NWFL) Stock Analysis

Norwood Financial Corp. (NWFL) is a Banks - Regional stock listed on NASDAQ and quoted in US Dollar.

Last Updated: October 21, 2026

NWFL

$33.70

−$0.21 (−0.62%)

Oct 21, 2026 · Market close

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Price History

Hover for the daily close. The dotted line marks the period open.

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NWFL Key Statistics

As of Oct 21, 2026
Trading
Open
$33.90
Previous Close
$33.91
Day's Range
33.45–33.91
52-Week Range
24.72–35.48
Volume
47.85K
BetaHow much the share price moves relative to the wider market. 1.0 moves in line with it; above 1.0 swings more, below 1.0 less.
0.55
Valuation
Market Cap
$367.40M
P/E Ratio
11.66
Forward P/EShare price divided by forecast earnings for the year ahead, rather than the year just past.
8.70
PEG RatioThe P/E ratio divided by the expected earnings growth rate. It puts a high P/E in the context of how fast profits are growing.
2.36
P/S ratioMarket value divided by annual revenue. Useful for companies that are not yet profitable, where a P/E cannot be calculated.
3.69
EPS (ttm)Profit attributable to each share over the last twelve months.
2.89
Financials (FY)
Revenue (FY)
$87.94M+72.30%
Net Income (FY)
$27.76M
Profit marginThe share of revenue left as profit after all costs and taxes.
28.93%
Shares OutstandingThe total number of shares held by all investors. Market value is this figure multiplied by the share price.
10.90M
1-Year Return
+40.70%
Dividend and dates
Dividend
$1.28+3.78%
Ex-Dividend Date
October 15, 2026
Earnings Date
October 27, 2026
Avg Volume
38.30K

Only metrics the company reports are shown. Data provided by Yahoo Finance via yfinance. Updated daily.

Key facts

As of October 21, 2026, NWFL closed at $33.70, +40.70% over 1 year.

Norwood Financial Corp. (NWFL) has a market capitalization of $367.40M.

In fiscal 2025, NWFL reported revenue of $87.94M.

NWFL Stock Return by Calendar Year

Norwood Financial Corp. (NWFL) 10-year return: what $10,000 became

1 year
$10,000 $14,070
+40.70%
5 years
$10,000 $15,952
+59.52%
10 years
$10,000 $25,143
+151.43%

If you had invested $10,000 in Norwood Financial Corp. (NWFL) 10 years ago, at the close on October 21, 2016, it would have been worth $25,143 at the close on October 21, 2026: +151.43% in total, +9.66% a year, with dividends reinvested. A historical calculation from closing prices adjusted for splits and dividends, before fees and taxes.

Calendar-year returns computed from daily closing prices. Partial years are shown muted and marked with an asterisk.

YearReturn
2026 (partial year)+24.05%
2025+8.39%
2024−13.59%
2023+2.42%
2022+34.10%
2021+3.36%
2020−30.30%
2019+21.46%
2018+2.67%
2017+54.40%
2016 (partial year)+17.17%

As of October 21, 2026.

NWFL Revenue and Earnings by Fiscal Year

FY ends December
Fiscal yearRevenueNet incomeNet margin
2025$87.94M$27.76M31.6%
2024$51.04M−$160.00K−0.3%
2023$70.19M$16.76M23.9%
2022$78.33M$29.23M37.3%
Fiscal yearRevenueGross profitOperating incomeNet incomeNet margin
2025$87.94M——$27.76M31.6%
2024$51.04M——−$160.00K−0.3%
2023$70.19M——$16.76M23.9%
2022$78.33M——$29.23M37.3%

Annual figures as reported, in the company's reporting currency. As of December 31, 2025.

NWFL Dividend History

$1.24+3.3% vs 2024

Dividends per share, 2025 · 4 payments

YearDividends per sharePaymentsChange
2026*$0.963—
2025$1.244+3.3%
2024$1.204+3.4%
2023$1.164+3.6%
YearDividends per sharePaymentsChange
2026 (partial year)$0.963—
2025$1.244+3.3%
2024$1.204+3.4%
2023$1.164+3.6%
2022$1.124+7.7%
2021$1.044+4.0%
2020$1.004+4.2%
2019$0.964+9.1%
2018$0.884+2.3%
2017$0.864—

Most recent payment: $0.32 per share, ex-dividend July 15, 2026. Per-share amounts summed by calendar year from ex-dividend dates. Partial years are shown muted and marked with an asterisk.

NWFL Valuation vs Banks - Regional Median

Median of 326 stocks
MetricNWFLBanks - Regional medianvs median
P/E11.6612.033% below
P/S ratio3.693.583% above
Profit margin28.93%29.44%0.5 pts below

Medians across 326 Banks - Regional stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of October 21, 2026.

Recent News

News provided by third-party sources. Not financial advice.

Analysis

Data-derived

Company Overview

Norwood Financial Corp. (NWFL) carries a market capitalisation of $367.40M. It is classified in the Banks - Regional industry, within the Financial Services sector. The company reports 275 employees.

The most recent close on file for NWFL is $33.70, dated October 21, 2026. That is −$0.21 (−0.62%) against the previous close. Over the past 52 weeks the price has ranged from $24.72 to $35.48. The latest close sits 36.33% above that 52-week low.

Financial Health

Fiscal 2025 revenue came to $87.94M. Against the prior fiscal year total of $51.04M, that is a change of +72.30%. Net income for the same year was $27.76M. Profit margin runs at 28.93%. That is 0.5 percentage points below the Banks - Regional median of 29.44%. Earnings per share on a trailing basis come to 2.89.

Across the 4 fiscal years on file, revenue moves from $78.33M in 2022 to $87.94M in 2025. Of those 4 years, 3 report positive net income.

Valuation Assessment

NWFL trades at a trailing price-to-earnings ratio of 11.66. That is 3.08% below the Banks - Regional median of 12.03. On forward earnings the ratio is 8.7. The PEG ratio, which sets the P/E against expected earnings growth, reads 2.36. Measured against sales, the shares trade at 3.69 times revenue. On price-to-sales that is 2.99% above the Banks - Regional median of 3.58. The medians here are taken across 326 Banks - Regional companies that report the metric.

The trailing one-year total return is +40.70%. Measured over 10 years, that is +9.66% a year compounded. Beta against the wider market is reported at 0.55. Daily returns over the trailing 10 years annualize to a volatility of 37.22%.

Growth & Income

NWFL pays a dividend yielding 3.78%. That is 1.1 percentage points above the Banks - Regional median yield of 2.68%. At the indicated rate that is $1.28 a share a year. The ex-dividend date on file is October 15, 2026. Dividends are recorded for 10 calendar years; 2026 shows 3 payments totalling $0.96 a share. The year before, 2025, totalled $1.24 a share.

2026 is still running; the total return is +24.05% year to date. Across the complete calendar years on file, 2017 returned +54.40% and 2020 returned −30.30%. Of the 9 complete calendar years on file, 7 finished higher.

Peer Comparison

Norwood Financial Corp. (NWFL) operates in the Banks - Regional industry. Here is how it compares to its closest peers by market capitalization:

Company Ticker Market Cap P/E Ratio
Norwood Financial Corp. NWFL $367.40M 11.7
Mizuho Financial Group, Inc. MFG $120.84B 13.7
HDFC Bank Limited HDB $116.51B 14.6
Itaú Unibanco Holding S.A. ITUB $106.91B 12.4

The Banks - Regional industry average P/E ratio is 12.0x. Norwood Financial Corp. trades at a P/E of 11.7.

Every figure above is read from this page's own data on each daily rebuild. Informational only, not financial advice. As of October 21, 2026.

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About Norwood Financial Corp.

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.

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