Norwood Financial Corp.

Norwood Financial Corp.

NWFLยทNASDAQ

$29.36

-3.9%
Financial ServicesBanks - Regional

Norwood 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.

At a Glance

Live Snapshot
Market Cap$271.01M
EPS3.0300
P/E Ratio9.69
Earnings Date07/28/2026
1.09%
Dividend Yield
-3%
3Y+10.0%
5Y+11.0%
10Y-2.0%
78.61%
Dividend Payout Ratio
104%
3Y+92.0%
5Y+104.0%
10Y+29.0%
3Y+26.0%
5Y+40.0%
10Y+150.0%
Norwood Financial Corp.

Norwood Financial Corp. Dividend History

NWFL ยท NASDAQ
10Y CAGR +0%
Latest $0
Annual $0
Stable dividend payments
Last Period: +0%

NWFL Dividend Payment History

NWFL ยท NASDAQ

Total Payments

50

Latest Dividend

$0.3200

Annual Amount

$1.5700

Frequency

Quarterly

DeclarationEx-DatePayment DateDividendAdjustedFrequencyGrowth
Mar 17, 2026
Apr 15, 2026May 1, 2026
$0.3200
$0.3200
Quarterly0.00%
Dec 16, 2025
Jan 15, 2026Feb 2, 2026
$0.3200
$0.3200
Quarterly+3.23%
Sep 16, 2025
Oct 15, 2025Nov 3, 2025
$0.3100
$0.3100
Quarterly0.00%
Jun 18, 2025
Jul 15, 2025Aug 1, 2025
$0.3100
$0.3100
Quarterly0.00%
Mar 31, 2025
Apr 15, 2025May 1, 2025
$0.3100
$0.3100
Quarterly0.00%
Dec 18, 2024
Jan 15, 2025Feb 3, 2025
$0.3100
$0.3100
Quarterly+3.33%
Sep 17, 2024
Oct 18, 2024Nov 1, 2024
$0.3000
$0.3000
Quarterly0.00%
Jun 26, 2024
Jul 15, 2024Aug 1, 2024
$0.3000
$0.3000
Quarterly0.00%
Mar 22, 2024
Apr 15, 2024May 1, 2024
$0.3000
$0.3000
Quarterly0.00%
Dec 14, 2023
Jan 12, 2024Feb 1, 2024
$0.3000
$0.3000
Quarterly+3.45%
Sep 18, 2023
Oct 13, 2023Nov 1, 2023
$0.2900
$0.2900
Quarterly0.00%
Jun 16, 2023
Jul 14, 2023Aug 1, 2023
$0.2900
$0.2900
Quarterly0.00%
Mar 16, 2023
Apr 14, 2023May 1, 2023
$0.2900
$0.2900
Quarterly0.00%
Dec 16, 2022
Jan 13, 2023Feb 1, 2023
$0.2900
$0.2900
Quarterly+3.57%
Sep 16, 2022
Oct 14, 2022Nov 1, 2022
$0.2800
$0.2800
Quarterly0.00%
Jun 17, 2022
Jul 15, 2022Aug 1, 2022
$0.2800
$0.2800
Quarterly0.00%
Mar 11, 2022
Apr 14, 2022May 2, 2022
$0.2800
$0.2800
Quarterly0.00%
Dec 17, 2021
Jan 14, 2022Feb 1, 2022
$0.2800
$0.2800
Quarterly+7.69%
Sep 17, 2021
Oct 15, 2021Nov 1, 2021
$0.2600
$0.2600
Quarterly0.00%
Jun 11, 2021
Jul 15, 2021Aug 2, 2021
$0.2600
$0.2600
Quarterly0.00%
Mar 11, 2021
Apr 15, 2021May 3, 2021
$0.2600
$0.2600
Quarterly0.00%
Dec 10, 2020
Jan 15, 2021Feb 1, 2021
$0.2600
$0.2600
Quarterly+4.00%
Sep 10, 2020
Oct 15, 2020Nov 2, 2020
$0.2500
$0.2500
Quarterly0.00%
Jun 9, 2020
Jul 17, 2020Aug 3, 2020
$0.2500
$0.2500
Quarterly0.00%
Mar 13, 2020
Apr 15, 2020May 1, 2020
$0.2500
$0.2500
Quarterly0.00%
Dec 13, 2019
Jan 15, 2020Feb 3, 2020
$0.2500
$0.2500
Quarterly+4.17%
Sep 10, 2019
Oct 15, 2019Nov 1, 2019
$0.2400
$0.2400
Quarterly0.00%
Jun 11, 2019
Jul 15, 2019Aug 1, 2019
$0.2400
$0.2400
Quarterly0.00%
Mar 12, 2019
Apr 15, 2019May 1, 2019
$0.2400
$0.2400
Quarterly0.00%
Dec 11, 2018
Jan 15, 2019Feb 1, 2019
$0.2400
$0.2400
Quarterly+9.09%
Sep 11, 2018
Oct 15, 2018Nov 1, 2018
$0.2200
$0.2200
Quarterly0.00%
Jun 14, 2018
Jul 13, 2018Aug 1, 2018
$0.2200
$0.2200
Quarterly0.00%
Mar 13, 2018
Apr 13, 2018May 1, 2018
$0.2200
$0.2200
Quarterly0.00%
Dec 12, 2017
Jan 12, 2018Feb 1, 2018
$0.2200
$0.2200
Quarterly0.00%
Sep 13, 2017
Oct 13, 2017Nov 1, 2017
$0.2200
$0.2200
Quarterly+3.29%
Jun 15, 2017
Jul 14, 2017Aug 1, 2017
$0.4800
$0.2130
Quarterly0.00%
Mar 30, 2017
Apr 13, 2017May 1, 2017
$0.4800
$0.2130
Quarterly0.00%
Dec 19, 2016
Jan 13, 2017Feb 1, 2017
$0.4800
$0.2130
Quarterly+2.90%
Sep 16, 2016
Oct 14, 2016Nov 1, 2016
$0.4650
$0.2070
Quarterly0.00%
Jun 20, 2016
Jul 15, 2016Aug 1, 2016
$0.4650
$0.2070
Quarterly0.00%
Mar 9, 2016
Apr 15, 2016May 2, 2016
$0.4650
$0.2070
Quarterly0.00%
Dec 14, 2015
Jan 15, 2016Feb 1, 2016
$0.4650
$0.2070
Quarterly0.00%
Sep 14, 2015
Oct 15, 2015Nov 2, 2015
$0.4650
$0.2070
Quarterly0.00%
Jun 12, 2015
Jul 15, 2015Aug 3, 2015
$0.4650
$0.2070
Quarterly0.00%
Mar 16, 2015
Apr 15, 2015May 1, 2015
$0.4650
$0.2070
Quarterly+3.50%
Dec 15, 2014
Jan 15, 2015Feb 2, 2015
$0.4500
$0.2000
Quarterly0.00%
Sep 15, 2014
Oct 15, 2014Nov 3, 2014
$0.4500
$0.2000
Quarterly0.00%
Jun 13, 2014
Jul 23, 2014Aug 1, 2014
$0.4500
$0.2000
Quarterly0.00%
Mar 17, 2014
Apr 15, 2014May 1, 2014
$0.4500
$0.2000
Quarterly0.00%
Dec 13, 2013
Jan 15, 2014Feb 3, 2014
$0.4500
$0.2000
Quarterly-
nwfl

Norwood Financial Corp. Payout Ratio Analysis

NWFL ยท NASDAQ
Dividends Paid
-11.49M
2025
Net Income
27.75M
2025
Payout Ratio
41.40%
2025

Dividend Sustainability Analysis

Payout Ratio
41.40%

Conservative payout with excellent safety margin. Company retains significant earnings for growth, acquisitions, or building cash reserves. Dividend is highly sustainable.

FCF Payout Ratio
39.7%

Excellent FCF coverage. Dividend is well-supported by actual cash generation with ample room for increases and business reinvestment.

Dividend Growth
-18.2%

Significant dividend reduction signals serious challenges. Company prioritizing financial stability over shareholder returns. High risk of further cuts.

Sustainability
Good

Sustainable dividend with adequate coverage. Some areas for improvement but overall appears safe for dividend investors.

Key Insight

Recent dividend cut signals distress: Management forced to reduce payout, indicating financial pressure. Evaluate whether business challenges are temporary or structural before reinvesting.