NWFL - Norwood Financial Corp Stock Price, Fair Value and News

24.50USD-0.18 (-0.73%)Delayed

Market Summary

USD24.50-0.18

Delayed

-0.73%

NWFL Stock Price

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NWFL RSI Chart

NWFL Valuation

Market Cap

198.4M

Price/Earnings (Trailing)

12.88

Price/Sales (Trailing)

1.97

EV/EBITDA

1.08

Price/Free Cashflow

8.98

NWFL Price/Sales (Trailing)

NWFL Profitability

EBT Margin

19.34%

Return on Equity

8.5%

Return on Assets

0.68%

Free Cashflow Yield

11.14%

NWFL Fundamentals

NWFL Revenue

Revenue (TTM)

100.8M

Rev. Growth (Yr)

24.08%

Rev. Growth (Qtr)

3.27%

NWFL Earnings

Earnings (TTM)

15.4M

Earnings Growth (Yr)

-23.33%

Earnings Growth (Qtr)

1.2K%

Breaking Down NWFL Revenue

Last 7 days

3.7%

Last 30 days

2.1%

Last 90 days

-12.8%

Trailing 12 Months

-5.7%

How does NWFL drawdown profile look like?

NWFL Financial Health

NWFL Investor Care

Dividend Yield

4.65%

Dividend/Share (TTM)

1.14

Buy Backs (1Y)

0.19%

Diluted EPS (TTM)

1.91

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
2024	100.8M	0	0	0
2023	80.0M	85.2M	89.8M	95.5M
2022	71.1M	71.7M	73.1M	75.7M
2021	63.9M	69.6M	70.6M	71.1M
2020	47.7M	47.8M	53.0M	58.5M
2019	43.9M	45.3M	46.5M	47.3M
2018	39.6M	40.4M	41.3M	42.5M
2017	34.7M	37.0M	38.4M	39.0M
2016	27.7M	28.1M	29.7M	32.2M
2015	27.9M	27.8M	27.7M	27.8M
2014	28.2M	28.1M	27.9M	27.8M
2013	29.1M	28.7M	28.4M	28.3M
2012	29.1M	30.0M	29.7M	29.4M
2011	25.1M	25.3M	26.6M	27.8M
2010	0	26.5M	26.1M	25.7M
2009	0	0	0	26.8M

Get all data in R, Python etc through our Historical Stock Data APIs

Tracking the Latest Insider Buys and Sells of Norwood Financial Corp

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Apr 24, 2024	forte andrew	bought	5,494	23.89	230	-
Apr 24, 2024	forte andrew	bought	9,852	24.63	400	-
Apr 23, 2024	donnelly james o	bought	2,457	24.57	100	president & ceo
Feb 22, 2024	donnelly james o	bought	5,008	25.95	193	president & ceo
Dec 26, 2023	mancuso robert j	sold (taxes)	-11,476	31.53	-364	evp & coo
Dec 26, 2023	carmody john f	sold (taxes)	-11,476	31.53	-364	evp & chief credit officer
Dec 19, 2023	phillips kenneth a	gifted	-	-	-150	-
Dec 12, 2023	lamont kevin m	acquired	20,762	29.66	700	-
Dec 12, 2023	lance william s	acquired	44,490	29.66	1,500	evp & cfo
Dec 12, 2023	campfield susan	acquired	20,762	29.66	700	-

Which funds bought or sold NWFL recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 16, 2024	CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM	reduced	-38.9	-19,508	19,918	-%
May 15, 2024	Community Bank, N.A.	unchanged	-	-22,754	108,582	0.01%
May 15, 2024	Tower Research Capital LLC (TRC)	reduced	-85.69	-15,407	2,068	-%
May 15, 2024	BRIDGEWAY CAPITAL MANAGEMENT, LLC	reduced	-1.99	-186,796	798,069	0.02%
May 15, 2024	Royal Bank of Canada	reduced	-27.15	-144,000	217,000	-%
May 15, 2024	CITADEL ADVISORS LLC	new	-	379,933	379,933	-%
May 15, 2024	DEUTSCHE BANK AG\	added	13.56	-7,685	118,064	-%
May 15, 2024	MORGAN STANLEY	reduced	-16.9	-250,056	548,974	-%
May 15, 2024	Cetera Advisor Networks LLC	reduced	-4.27	-169,689	644,111	-%
May 15, 2024	BARCLAYS PLC	reduced	-49.52	-192,000	138,000	-%

Are Funds Buying or Selling NWFL?

Are funds buying NWFL calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own NWFL

No. of Funds

Unveiling Norwood Financial Corp's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Jan 26, 2024	blackrock inc.	7.0%	562,276	SC 13G

Recent SEC filings of Norwood Financial Corp

View All Filings

Date Filed	Form Type	Document
May 14, 2024	4	Insider Trading
May 09, 2024	10-Q	Quarterly Report
Apr 26, 2024	8-K	Current Report
Apr 25, 2024	4	Insider Trading
Apr 24, 2024	4	Insider Trading
Apr 24, 2024	4	Insider Trading
Apr 23, 2024	8-K	Current Report
Apr 22, 2024	8-K	Current Report
Apr 16, 2024	13F-HR	Fund Holdings Report
Apr 08, 2024	DEFA14A	DEFA14A

Norwood Financial Corp News

Latest updates

Norwood Financial Corp Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Revenue	3.3%	27.00	26.00	25.00	23.00	22.00	20.00	20.00	18.00	17.00	18.00	18.00	18.00	17.00	17.00	17.00	12.00	12.00	12.00	12.00	12.00	11.00
EBITDA Margin	-8.7%	0.80*	0.87*	1.04*	1.19*	1.29*	1.38*	1.42*	1.41*	1.39*	1.35*	1.33*	1.29*	-	-	-	-	-	-	-	-	-
Interest Expenses	-3.8%	15.00	15.00	15.00	16.00	16.00	17.00	18.00	17.00	16.00	16.00	17.00	16.00	16.00	16.00	15.00	10.00	10.00	10.00	10.00	10.00	9.00
Income Taxes	1099.0%	1.00	0.00	1.00	2.00	1.00	1.00	2.00	2.00	2.00	1.00	2.00	1.00	1.00	1.00	1.00	0.00	0.00	1.00	1.00	1.00	1.00
Earnings Before Taxes	1139.3%	6.00	0.00	5.00	8.00	7.00	9.00	10.00	9.00	9.00	8.00	9.00	7.00	7.00	7.00	6.00	2.00	4.00	4.00	5.00	4.00	4.00
EBT Margin	-12.6%	0.19*	0.22*	0.33*	0.40*	0.43*	0.48*	0.49*	0.48*	0.46*	0.43*	0.42*	0.39*	-	-	-	-	-	-	-	-	-
Net Income	1150.5%	4.00	0.00	4.00	7.00	6.00	7.00	8.00	7.00	7.00	7.00	7.00	6.00	6.00	6.00	5.00	1.00	3.00	4.00	4.00	4.00	3.00
Net Income Margin	-12.8%	0.15*	0.18*	0.26*	0.32*	0.35*	0.39*	0.39*	0.39*	0.37*	0.35*	0.34*	0.31*	-	-	-	-	-	-	-	-	-
Free Cashflow	-36.2%	4.00	6.00	7.00	6.00	10.00	5.00	8.00	6.00	9.00	6.00	8.00	7.00	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Assets	2.7%	2,260	2,201	2,180	2,142	2,104	2,047	2,019	2,066	2,078	2,069	2,054	2,026	2,010	1,852	464	464	444	1,231	1,216	1,223	1,204
Cash Equivalents	69.3%	112	66.00	54.00	33.00	29.00	32.00	41.00	110	166	207	220	205	210	112	124	83.00	38.00	15.00	21.00	18.00	20.00
Net PPE	1.2%	18.00	18.00	17.00	17.00	18.00	18.00	17.00	17.00	17.00	17.00	17.00	17.00	18.00	18.00	18.00	14.00	14.00	14.00	14.00	14.00	14.00
Goodwill	-0.1%	29.00	29.00	29.00	29.00	29.00	29.00	29.00	29.00	29.00	29.00	29.00	29.00	29.00	29.00	30.00	18.00	11.00	11.00	11.00	11.00	11.00
Liabilities	2.9%	2,079	2,020	2,015	1,968	1,928	1,880	1,860	1,893	1,891	1,863	1,851	1,825	1,815	1,657	1,652	1,212	1,100	1,093	1,081	1,091	1,077
Short Term Borrowings	-18.9%	60.00	74.00	104	112	109	93.00	72.00	70.00	64.00	61.00	78.00	84.00	73.00	63.00	69.00	55.00	41.00	62.00	53.00	48.00	38.00
Shareholder's Equity	0.1%	181	181	165	173	176	167	159	174	187	205	203	200	195	195	191	45.00	142	137	135	131	127
Retained Earnings	1.5%	137	135	137	136	131	130	125	119	115	110	106	101	97.00	94.00	90.00	88.00	88.00	87.00	85.00	82.00	80.00
Additional Paid-In Capital	0.2%	98.00	98.00	97.00	97.00	97.00	97.00	97.00	97.00	97.00	96.00	96.00	96.00	96.00	95.00	95.00	50.00	50.00	49.00	49.00	49.00	49.00
Float	-	-	-	-	216	-	-	-	181	-	-	-	195	-	-	-	148	-	-	-	207	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Cashflow From Operations	-36.7%	4,251	6,715	6,884	6,120	10,105	6,350	8,920	6,077	9,387	6,196	8,170	7,293	7,539	4,777	8,468	-3,992	4,544	3,741	5,086	5,335	4,276
Cashflow From Investing	-856.3%	-12,736	1,684	-27,698	-35,896	-54,658	-33,554	-40,660	-61,372	-72,408	-30,894	-15,621	-21,654	-62,795	-25,244	9,324	-59,497	14,060	-21,187	8,903	-18,433	-9,063
Cashflow From Financing	1419.7%	54,328	3,575	41,871	33,850	41,702	18,193	-37,049	-1,065	22,366	11,446	22,211	9,035	154,062	7,720	23,272	108,447	4,399	11,946	-11,546	11,696	6,313
Dividend Payments	4.0%	2,433	2,340	2,340	2,368	2,369	2,278	2,286	2,296	2,298	2,126	2,139	2,135	2,139	2,049	2,049	1,583	1,582	1,512	1,510	1,509	1,510
Buy Backs	-100.0%	-	23.00	-	-	-	311	952	1,239	13.00	479	767	-	194	39.00	-	69.00	-	54.00	-	-	374

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NWFL Income Statement

2024-03-31

Consolidated Statements Of Income - USD ($)	3 Months Ended
Consolidated Statements Of Income - USD ($)	Mar. 31, 2024	Mar. 31, 2023
INTEREST INCOME
Loans receivable, including fees	$ 23,681,000	$ 19,158,000
Securities	2,526,000	2,505,000
Other	731,000	48,000
Total interest income	26,938,000	21,711,000
INTEREST EXPENSE
Deposits	10,110,000	4,362,000
Short-term borrowings	336,000	779,000
Other borrowings	1,782,000	477,000
Total interest expense	12,228,000	5,618,000
NET INTEREST INCOME	14,710,000	16,093,000
PROVISION FOR (RELEASE OF) CREDIT LOSS EXPENSE	(624,000)	300,000
NET INTEREST INCOME AFTER PROVISION FOR (RELEASE OF) CREDIT LOSSES	15,334,000	15,793,000
OTHER INCOME
Other income	1,711,000	1,677,000
Net realized gains on sales of securities		2,000
Gains on sales of loans, net	6,000
Earnings and proceeds on bank owned life insurance	268,000	213,000
Other	151,000	172,000
Total other income	2,006,000	1,912,000
OTHER EXPENSES
Salaries and employee benefits	6,135,000	5,969,000
Occupancy, furniture & equipment, net	1,261,000	1,262,000
Data processing and related operations	1,022,000	768,000
Taxes, other than income	93,000	161,000
Professional fees	585,000	285,000
Federal Deposit Insurance Corporation insurance	361,000	200,000
Foreclosed real estate	21,000	29,000
Amortization of intangibles	19,000	23,000
Other	2,235,000	1,739,000
Total other expenses	11,732,000	10,436,000
INCOME BEFORE INCOME TAXES	5,608,000	7,269,000
INCOME TAX EXPENSE	1,175,000	1,487,000
Net income	$ 4,433,000	$ 5,782,000
BASIC EARNINGS PER SHARE	$ 0.55	$ 0.71
DILUTED EARNINGS PER SHARE	$ 0.55	$ 0.71
Service Charges And Fees [Member]
OTHER INCOME
Other income	$ 1,343,000	$ 1,313,000
Income From Fiduciary Activities [Member]
OTHER INCOME
Other income	$ 238,000	$ 212,000

NWFL Balance Sheet

2024-03-31

Consolidated Balance Sheets - USD ($)	Mar. 31, 2024	Dec. 31, 2023
ASSETS
Cash and due from banks	$ 19,519,000	$ 28,533,000
Interest-bearing deposits with banks	92,444,000	37,587,000
Cash and cash equivalents	111,963,000	66,120,000
Securities available for sale, at fair value (net of allowance for credit losses of $0)	398,374,000	406,259,000
Loans receivable (net of allowance for credit losses of $18,020 and $18,968)	1,603,428,000	1,584,650,000
Regulatory stock, at cost	6,545,000	7,318,000
Bank premises and equipment, net	18,057,000	17,838,000
Bank owned life insurance	45,869,000	46,439,000
Accrued interest receivable	8,135,000	8,123,000
Foreclosed real estate owned	97,000	97,000
Deferred tax assets, net	21,642,000	21,353,000
Goodwill	29,266,000	29,266,000
Other intangibles	202,000	221,000
Other assets	16,845,000	13,395,000
TOTAL ASSETS	2,260,423,000	2,201,079,000
Deposits:
Non-interest bearing demand	383,362,000	399,545,000
Interest-bearing	1,455,636,000	1,395,614,000
Total deposits	1,838,998,000	1,795,159,000
Short-term borrowings	60,055,000	74,076,000
Other borrowings	151,179,000	124,236,000
Accrued interest payable	11,737,000	10,510,000
Other liabilities	17,241,000	16,028,000
TOTAL LIABILITIES	2,079,210,000	2,020,009,000
STOCKHOLDERS' EQUITY
Preferred stock, no par value per share, authorized: 5,000,000 shares; issued: none
Common stock, $0.10 par value per share, authorized: 20,000,000 shares, issued: issued: 2024: 8,310,847 shares, 2023: 8,310,847 shares	831,000	831,000
Surplus	97,893,000	97,700,000
Retained earnings	137,285,000	135,284,000
Treasury stock at cost: 2024: 200,690 shares; 2023: 200,690 shares	(5,397,000)	(5,397,000)
Accumulated other comprehensive loss	(49,399,000)	(47,348,000)
TOTAL STOCKHOLDERS’ EQUITY	181,213,000	181,070,000
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY	$ 2,260,423,000	$ 2,201,079,000

About Norwood Financial Corp

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; personal and business credit 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 in Northeastern Pennsylvania; and in Delaware, Sullivan, Ontario, Otsego, and Yates Counties, New York, as well as automated teller machines. Norwood Financial Corp. was founded in 1870 and is headquartered in Honesdale, Pennsylvania.

CEO	Mr. James O. Donnelly
WEBSITE	https://wayne.bank
INDUSTRY	Banks Diversified
EMPLOYEES	274

Norwood Financial Corp Frequently Asked Questions

What is the ticker symbol for Norwood Financial Corp? What does NWFL stand for in stocks?

NWFL is the stock ticker symbol of Norwood Financial Corp. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Norwood Financial Corp (NWFL)?

As of Fri May 17 2024, market cap of Norwood Financial Corp is 198.41 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of NWFL stock?

You can check NWFL's fair value in chart for subscribers.

What is the fair value of NWFL stock?

You can check NWFL's fair value in chart for subscribers. The fair value of Norwood Financial Corp is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Norwood Financial Corp is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for NWFL so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Norwood Financial Corp a good stock to buy?

The fair value guage provides a quick view whether NWFL is over valued or under valued. Whether Norwood Financial Corp is cheap or expensive depends on the assumptions which impact Norwood Financial Corp's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for NWFL.

What is Norwood Financial Corp's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Fri May 17 2024, NWFL's PE ratio (Price to Earnings) is 12.88 and Price to Sales (PS) ratio is 1.97. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. NWFL PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on Norwood Financial Corp's stock?

In the past 10 years, Norwood Financial Corp has provided 0.1 (multiply by 100 for percentage) rate of return.