Norwood Financial Corp.
NWFL
NASDAQ·Financial Services·Banks - Regional·Mkt cap $371.9M
$34.15
▲ +0.35%
P/E
11.70
Mkt Cap
$371.9M
52-Wk Range
$23.82–$35.45
52-Week Range
$23.82 - $35.45
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 26.2% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
4 reasons
- 150+ year operating history and established brand recognition in regional markets
- Extensive branch network (45 locations) providing personalized community banking service
- Diversified revenue streams reducing dependence on single product lines
- Strong local market expertise and relationships with municipal and business clients
Bear Case
1 risk
- Low volatility (beta 0.5).
Growth
Revenue decline expected
Digital banking expansion (mobile deposit, remote capture, online banking) attracting tech-savvy customers
Value
Trading at 0.8x Commercial Banking peers — a discount despite the growth profile.
Momentum
Strong
+13.0% over 3m
Quality
Excellent
Emerging growth company (73% revenue growth). Early stage with higher risk.
Dividend
Solid
3.72% yield
Smart-money signal
Who's buying NWFL right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Recent earnings results
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Oct 28, 2026
JUL 22, 2026
Reported EPS of $0.86 vs $0.87 consensus (-0.6% surprise). Revenue of $29.4M vs $28.1M expected (+4.5%).
EPS surprise · last 4Q
0 of 1 beats
Estimate
Actual
Q3 26
-0.6%
Revenue trend · last 8Q
—
—
+21%
+24%
+26%
+98%
+54%
+28%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$18.2M
$11.8M
$20.2M
$33.5M
$34.7M
$35.6M
$31.2M
$43.0M
Margins · last 8Q
Gross
63.8%
Operating
27.1%
Profit
21.7%
Wall Street consensus
1 analyst · 0% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
0%
Hold
100%
Sell
0%
Median Price Target
—
Latest: Stephens · Jul 23, 2026
vs Industry
How NWFL stacks vs Banks - Regional
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
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