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
8.42%
Return on Invested Capital
-23551%
3Y-9.0%
5Y+76.0%
10Y+132.0%
11.46%
Return on Equity
-15402%
3Y-34.0%
5Y+48.0%
10Y+90.0%
1.14%
Return on Assets
-16688%
3Y-20.0%
5Y+41.0%
10Y+90.0%
Norwood Financial Corp.

Norwood Financial Corp. Management Team

NWFL ยท NASDAQ
MJ

Mr. John F. Carmody

Executive Vice President & Chief Credit Officer

Compensation

$325,287

Born 1970(Age 56)
male
MJ

Mr. John Martin McCaffery Jr.

Executive Vice President & Chief Financial Officer

Born 1964(Age 62)
male
MV

Mr. Vincent G. O'Bell

Executive Vice President & Chief Lending Officer

Compensation

$331,911

Born 1962(Age 64)
male
MS

Mr. Steven R. Daniels

Executive Vice President & Director of Consumer Banking

male
MR

Mr. Ryan J. French

Executive Vice President & Director of Human Resources

male
MT

Ms. Tracie A. Young

Executive Vice President & Director of Risk

Born 1970(Age 56)
female
MJ

Mr. James O. Donnelly

President, Chief Executive Officer & Director

Compensation

$713,295

Born 1968(Age 58)
male
MJ

Mr. Joseph W. Adams

Senior Vice President & Director of Wealth Management

Compensation

$78,857

Born 1963(Age 63)
male
MJ

Mr. Joseph Mahon

Senior Vice President & Finger Lakes Commercial Loan Team Leader

male
MN

Ms. Nancy A. Hart

Senior Vice President, Controller & Director of Operations

female
nwfl

Norwood Financial Corp. Insider Positioning

NWFL ยท NASDAQ

During the last 12 months, insiders have purchased $385K worth of NWFL shares, with no selling activity reported.

3 Months

Bought

2.6K

78.40K

Sold

0

0.00

Net Activity

+78K

+$78K

3-6 Months

Bought

7.7K

218.67K

Sold

0

0.00

Net Activity

+219K

+$219K

6-9 Months

Bought

1.7K

44.57K

Sold

0

0.00

Net Activity

+45K

+$45K

9-12 Months

Bought

1.8K

43.71K

Sold

0

0.00

Net Activity

+44K

+$44K

Top Buyers

1
SJ

Shook James

Director

5.4K sharesโ€ข3 transactions

$154K

2
CJW

Carroll Joseph W

Director

4.2K sharesโ€ข4 transactions

$118K

3
MJMJ

Mccaffery John Martin Jr

Officer: Evp & Cfo

1.5K sharesโ€ข2 transactions

$41K

4
SRR

Schmalzle Ronald R

Director

1.3K sharesโ€ข2 transactions

$36K

5
FA

Forte Andrew

Director

670 sharesโ€ข2 transactions

$18K

Top Sellers

No selling activity

Insider Activity Analysis

Net Insider Sentiment

Bullish

Strong bullish signal with $385K net buying. Insiders are aggressively accumulating shares, suggesting significant confidence in future prospects.

Buy/Sell Ratio

โˆž:1

Perfect buy/sell ratio. Only buying activity with zero sellingโ€”the most bullish possible insider signal.

Recent Trend (3 Months)

$78K

Very strong recent buying momentum. Recent insider purchases significantly outpace sales, suggesting near-term optimism.

Insider Participation

High Buying

5 insider buyers vs. 0 sellers. Broad-based buying across management team suggests widespread confidence.

Insider Activity Insight

Strong confluence of bullish signals: High buy/sell ratio, multiple insiders participating, and recent buying momentum all point to significant insider confidence. This level of coordinated buying often precedes positive developments.

SEC Filings

NWFL - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
DEF 14A

DEF 14A 2026

N/A

March 25, 2026
April 28, 2026
2026
DEF 14A

DEF 14A 2025

N/A

March 18, 2025
April 22, 2025
2025
DEF 14A

DEF 14A 2024

N/A

March 15, 2024
April 23, 2024
2024
DEF 14A

DEF 14A 2023

N/A

March 24, 2023
April 25, 2023
2023
DEF 14A

DEF 14A 2022

N/A

March 25, 2022
April 26, 2022
2022
DEF 14A

DEF 14A 2021

N/A

March 26, 2021
April 27, 2021
2021
DEF 14A

DEF 14A 2019

N/A

March 22, 2019
April 23, 2019
2019
DEF 14A

DEF 14A 2018

N/A

March 23, 2018
April 24, 2018
2018
DEF 14A

DEF 14A 2017

N/A

March 24, 2017
April 25, 2017
2017
DEF 14A

DEF 14A 2016

N/A

March 23, 2016
April 26, 2016
2016
Showing 1 to 10 of 29 filings