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Norwood Financial Corp. NWFL
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 24.94
3.52 %
$ 231 M
Market Cap
-1191.0
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one NWFL stock under the worst case scenario is HIDDEN Compared to the current market price of 24.9 USD, Norwood Financial Corp. is HIDDEN

NWFL Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one NWFL stock under the base case scenario is HIDDEN Compared to the current market price of 24.9 USD, Norwood Financial Corp. is HIDDEN

NWFL Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one NWFL stock under the best case scenario is HIDDEN Compared to the current market price of 24.9 USD, Norwood Financial Corp. is HIDDEN

NWFL Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart NWFL

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1M 4%
6M -11%
1Y 3%
3Y 0%
5Y 36%
All
$32.0$32.0$30.0$30.0$28.0$28.0$26.0$26.0$24.0$24.0$22.0$22.0$20.0$20.0Nov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 Apr
FINANCIALS
113 M REVENUE
74.16%
Growth Rates
1Year 74.16%
3Years 15.20%
5Years 19.93%
7Years 15.20%
10Years 14.27%
109 M OPERATING INCOME
417.72%
Growth Rates
1Year 417.72%
3Years 52.51%
5Years 45.44%
7Years 27.72%
10Years 23.31%
-160 K NET INCOME
-0.95%
Growth Rates
1Year -0.95%
3Years -0.21%
5Years -0.22%
7Years -0.28%
10Years -0.21%
22.8 M OPERATING CASH FLOW
-23.53%
Growth Rates
1Year -23.53%
3Years -7.90%
5Years 4.34%
7Years 5.15%
10Years 8.03%
-115 M INVESTING CASH FLOW
1.17%
Growth Rates
1Year 1.17%
3Years 4.18%
5Years -23.70%
7Years -22.03%
10Years -38.28%
98.6 M FINANCING CASH FLOW
-18.50%
Growth Rates
1Year -18.50%
3Years -20.57%
5Years 39.89%
7Years 35.00%
10Years 27.34%
-1.03 M REVENUE
-6.13%
Growth Rates
1Year 74.16%
3Years 15.20%
5Years 19.93%
7Years 15.20%
10Years 14.27%
0 OPERATING INCOME
0.00%
Growth Rates
1Year 417.72%
3Years 52.51%
5Years 45.44%
7Years 27.72%
10Years 23.31%
-12.7 M NET INCOME
-329.02%
Growth Rates
1Year -0.95%
3Years -0.21%
5Years -0.22%
7Years -0.28%
10Years -0.21%
4.81 M OPERATING CASH FLOW
3.47%
Growth Rates
1Year -23.53%
3Years -7.90%
5Years 4.34%
7Years 5.15%
10Years 8.03%
-62.5 M INVESTING CASH FLOW
-214.31%
Growth Rates
1Year 1.17%
3Years 4.18%
5Years -23.70%
7Years -22.03%
10Years -38.28%
47.2 M FINANCING CASH FLOW
64.23%
Growth Rates
1Year -18.50%
3Years -20.57%
5Years 39.89%
7Years 35.00%
10Years 27.34%
Balance Sheet Norwood Financial Corp.
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Current Assets 2.13 B
Cash & Short-Term Investments 425 M
Receivables 1.7 B
Other Current Assets 0
Non-Current Assets 66.8 M
Long-Term Investments 0
PP&E 19.7 M
Other Non-Current Assets 47.1 M
19.39 %77.57 %Total Assets$2.2b
Current Liabilities 126 M
Accounts Payable 12.6 M
Short-Term Debt 113 M
Other Current Liabilities 0
Non-Current Liabilities 1.99 B
Long-Term Debt 0
Other Non-Current Liabilities 1.99 B
5.34 %94.06 %Total Liabilities$2.1b
EFFICIENCY
Earnings Waterfall Norwood Financial Corp.
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Revenue 113 M
Cost Of Revenue 0
Gross Profit 113 M
Operating Expenses 3.1 M
Operating Income 109 M
Other Expenses 110 M
Net Income -160 K
120m120m100m100m80m80m60m60m40m40m20m20m00(20m)(20m)113m0113m(3m)109m(110m)(160k)RevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
Averages
1Year 100.00%
3Years 100.00%
5Years 100.00%
7Years 100.00%
10Years 100.00%
97.24% OPERATING MARGIN
97.24%
Averages
1Year 97.24%
3Years 61.90%
5Years 51.82%
7Years 49.43%
10Years 46.64%
-0.14% NET MARGIN
-0.14%
Averages
1Year -0.14%
3Years 21.03%
5Years 24.56%
7Years 26.46%
10Years 24.49%
-0.07% ROE
-0.07%
Averages
1Year -0.07%
3Years 8.89%
5Years 9.31%
7Years 9.72%
10Years 8.70%
-0.01% ROA
-0.01%
Averages
1Year -0.01%
3Years 0.73%
5Years 0.84%
7Years 0.93%
10Years 0.86%
3.11% ROIC
3.11%
Averages
1Year 3.11%
3Years 3.20%
5Years 2.88%
7Years 2.71%
10Years 2.19%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Norwood Financial Corp.
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30m30m25m25m20m20m15m15m10m10m5m5m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income -160 K
Depreciation & Amortization 1.38 M
Capital Expenditures 0
Stock-Based Compensation 346 K
Change in Working Capital 0
Others 21.4 M
Free Cash Flow 22.8 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Norwood Financial Corp.
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NWFL has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
1.11% DIVIDEND YIELD
0.31 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.400001.400001.200001.200001.000001.000000.800000.800000.600000.600000.400000.400000.200000.200000.000000.000000.20.206670.213330.220.240.250.260.280.290.30.310.206670.206670.213330.220.240.250.260.280.290.30.310.206670.206670.213330.220.240.250.260.280.290.30.206670.820.206670.830.220.860.220.880.240.960.251.000.261.040.281.120.291.160.31.200.622015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 14
6. Ownership
Insider Ownership Norwood Financial Corp.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
531 K USD 1
0-3 MONTHS
322 K USD 3
3-6 MONTHS
251 K USD 2
6-9 MONTHS
24.2 K USD 1
9-12 MONTHS
7. News
Norwood Financial Corp. (NWFL) Q1 Earnings Beat Estimates Norwood Financial Corp. (NWFL) came out with quarterly earnings of $0.63 per share, beating the Zacks Consensus Estimate of $0.59 per share. This compares to earnings of $0.55 per share a year ago. zacks.com - 2 weeks ago
Norwood Financial Corp announces First Quarter 2025 Results Quarterly Highlights: Fully diluted EPS of $0.63, a 14.5% increase over the same period in 2024 Return on assets rises to over 1.00%. Net interest margin increased 30 basis points vs. globenewswire.com - 2 weeks ago
Susan Campfield to Retire as Director of Norwood Financial Corp and Wayne Bank HONESDALE, Pa., Feb. 18, 2025 (GLOBE NEWSWIRE) -- Susan Campfield has announced her retirement from the Board of Directors of Norwood Financial Corp (Nasdaq Global Market-NWFL) and its subsidiary, Wayne Bank, effective February 18, 2025. globenewswire.com - 2 months ago
Norwood Financial Corp announces Fourth Quarter and Full Year 2024 Results Quarterly Highlights: Net interest margin increased 5 basis points vs. the prior quarter and 11 basis points over the prior year. globenewswire.com - 3 months ago
11 Upcoming Dividend Increases, Including A Dividend King Hormel Foods extends its 52-year dividend streak with a 2.6% increase; the group averages a 5.9% increase, median 5.8%. My strategy focuses on buying, holding, and adding to companies with consistent dividend growth and outperforming benchmarks. I use data from the "U.S. Dividend Champions" spreadsheet and NASDAQ to identify companies with at least five years of dividend growth. seekingalpha.com - 3 months ago
Norwood Financial Corp Corrects Dividend Payment Date for Q4 Cash Dividend HONESDALE, Pa., Dec. 19, 2024 (GLOBE NEWSWIRE) -- Norwood Financial Corp (NASDAQ Global Market - NWFL) announced today that the dividend payment date for the fourth quarter cash dividend is February 3, 2025, not February 1, 2025, as was announced yesterday. globenewswire.com - 4 months ago
Norwood Financial Corp Announces Cash Dividend HONESDALE, Pa., Dec. 18, 2024 (GLOBE NEWSWIRE) -- James O. globenewswire.com - 4 months ago
Norwood Financial Corp Announces Pricing of Common Stock Offering HONESDALE, Pa., Dec. 17, 2024 (GLOBE NEWSWIRE) -- Norwood Financial Corp (NASDAQ: NWFL) (“Norwood” or the “Company”) today announced the pricing of a public offering of 1,000,000 shares of its common stock, $0.10 par value (the “Common Stock”), at a public offering price of $26.00 per share, for aggregate gross proceeds of approximately $26 million. globenewswire.com - 4 months ago
Norwood Financial Corp Announces Launch of Common Stock Offering HONESDALE, Pa., Dec. 17, 2024 (GLOBE NEWSWIRE) -- Norwood Financial Corp (NASDAQ: NWFL) (“Norwood” or the “Company”), parent company of Wayne Bank, announced today that it has launched an underwritten public offering of shares of its common stock. globenewswire.com - 4 months ago
Norwood Financial Corp Announces Third Quarter 2024 Results Quarterly Highlights: Net interest margin increased 19 basis points vs. the prior quarter and 7 basis points over the prior year. globenewswire.com - 6 months ago
Norwood Financial Corp Announces Cash Dividend HONESDALE, Pa., Oct. 08, 2024 (GLOBE NEWSWIRE) -- James O. Donnelly, President and Chief Executive Officer of Norwood Financial Corp (NASDAQ Global Market - NWFL) and its subsidiary Wayne Bank, announced that the Board of Directors has declared a $0.30 per share cash dividend, which is payable November 1, 2024, to shareholders of record as of October 18, 2024. The $0.30 per share equals the per share dividend declared in the second quarter of 2024 and represents a 3.5% increase over the cash dividend declared in the third quarter of 2023. globenewswire.com - 6 months ago
Norwood Financial Corp Announces Second Quarter Earnings HONESDALE, Pa., July 26, 2024 (GLOBE NEWSWIRE) -- James O. Donnelly, President and Chief Executive Officer of Norwood Financial Corp (Nasdaq Global Market-NWFL) and its subsidiary, Wayne Bank, announced earnings for the three months ended June 30, 2024 of $4,213,000, which was $2,290,000 lower than the same three-month period of last year. The decrease includes a $717,000 decrease in net interest income, a $424,000 increase in total other income, a $506,000 increase in total other expense, and a $2,097,000 increase in the provision for credit losses. Earnings per share (fully diluted) were $0.52 in the three months ended June 30, 2024, compared to $0.81 in the same period of last year. The annualized return on average assets for the three months ended June 30, 2024, was 0.75%, while the annualized return on average tangible equity was 11.26%. globenewswire.com - 9 months ago
8. Profile Summary

Norwood Financial Corp. NWFL

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 231 M
Dividend Yield 1.11%
Description 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.
Contact 717 Main Street, Honesdale, PA, 18431 https://wayne.bank
IPO Date March 4, 1998
Employees 264
Officers Ms. Tracie A. Young Executive Vice President & Director of Risk Mr. John Martin McCaffery Jr. Executive Vice President & Chief Financial Officer Mr. Joseph W. Adams Senior Vice President & Director of Wealth Management Mr. Vincent G. O'Bell Executive Vice President & Chief Lending Officer Mr. Joseph Mahon Senior Vice President & Finger Lakes Commercial Loan Team Leader Mr. James O. Donnelly President, Chief Executive Officer & Director Mr. John F. Carmody Executive Vice President & Chief Credit Officer Mr. Ryan J. French Executive Vice President & Director of Human Resources Mr. Steven R. Daniels Executive Vice President & Director of Consumer Banking Ms. Nancy A. Hart Senior Vice President, Controller & Director of Operations