Norwood Financial Corp (NWFL)

Official site

FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

$33.46

-0.13 (-0.39%)

Market Cap: $366.20M

Last updated: Oct 16, 2026 at 1:55 PM ET

Earnings

Performance (10Y)

Beat Rate

43%(3/7)

Avg Surprise

-35.67%

Upcoming Estimates

Period ending Sep 30, 2026

EPS Consensus$0.94

Range$0.94 - $0.95

2 analysts

EPS Revisions

30d

EPS Estimate DriftChange to current

90d ago$0.92+2.7%

60d ago$0.96-1.6%

30d ago$0.95-1.0%

7d ago$0.95-1.0%

Current$0.94

Revenue Consensus

$30M

Range$30M - $30M

1 analysts

Period ending Dec 31, 2026

EPS Consensus$0.68

Range$0.49 - $0.86

2 analysts

Revenue Consensus

$31M

Range$31M - $31M

1 analysts

Period	Reported	Est.	Range	Surprise	B/M	Analysts	Revisions	YoY
Dec 31, 2026Dec 26EST	-	$0.68	$0.49 - $0.86	-	-	2	-	-
Sep 30, 2026Sep 26EST	-	$0.94	$0.94 - $0.95	-	-	2	2 0 30d	-
Jun 30, 2026Jun 26 Reported Jul 22, 2026Reported Jul 22	$0.86	$0.87	$0.85 - $0.88	-1.15%	Miss	2	2 0 30d	+28.4%
Mar 31, 2026Mar 26 Reported Apr 27, 2026Reported Apr 27	$0.72	$0.81	$0.80 - $0.81	-11.11%	Miss	2	0 1 30d	+14.3%
Dec 31, 2025Dec 25 Reported Jan 22, 2026Reported Jan 22	$0.84	$0.85	$0.84 - $0.85	-1.18%	Miss	2	2 0 30d	+154.5%
Sep 30, 2025Sep 25 Reported Oct 22, 2025Reported Oct 22	$0.89	$0.71	$0.68 - $0.73	+25.35%	Beat	2	No revisions (30d)	+86.4%
Jun 30, 2025Jun 25 Reported Jul 22, 2025Reported Jul 22	$0.67	$0.66	$0.62 - $0.69	+1.52%	Beat	3	1 0 30d	+28.0%
Mar 31, 2025Mar 25 Reported Apr 17, 2025Reported Apr 17	$0.63	$0.56	$0.50 - $0.62	+12.50%	Beat	3	No revisions (30d)	+14.7%
Dec 31, 2024Dec 24 Reported Mar 14, 2025Reported Mar 14	$-1.54	$-0.41	-	-275.61%	Miss	-	-	-3950.0%
Sep 30, 2024Sep 24 Reported Oct 28, 2024Reported Oct 28	$0.48	N/A	-	N/A	Beat	-	-	-6.9%
Jun 30, 2024Jun 24 Reported Jul 26, 2024Reported Jul 26	$0.52	N/A	-	N/A	Beat	-	-	-35.0%
Mar 31, 2024Mar 24 Reported Apr 22, 2024Reported Apr 22	$0.55	N/A	-	N/A	Beat	-	-	-22.6%
Dec 31, 2023Dec 23 Reported Mar 14, 2024Reported Mar 14	$0.04	N/A	-	N/A	Beat	-	-	-95.4%
Sep 30, 2023Sep 23 Reported Oct 24, 2023Reported Oct 24	$0.51	N/A	-	N/A	Beat	-	-	-48.7%
Jun 30, 2023Jun 23 Reported Jul 26, 2023Reported Jul 26	$0.81	N/A	-	N/A	Beat	-	-	-4.1%
Mar 31, 2023Mar 23 Reported Apr 21, 2023Reported Apr 21	$0.71	N/A	-	N/A	Beat	-	-	-18.4%
Dec 31, 2022Dec 22 Reported Mar 17, 2023Reported Mar 17	$0.87	N/A	-	N/A	Beat	-	-	+7.4%
Sep 30, 2022Sep 22 Reported Oct 26, 2022Reported Oct 26	$1.00	N/A	-	N/A	Beat	-	-	+17.6%
Jun 30, 2022Jun 22 Reported Jul 22, 2022Reported Jul 22	$0.84	N/A	-	N/A	Beat	-	-	+20.0%
Mar 31, 2022Mar 22 Reported Apr 18, 2022Reported Apr 18	$0.87	N/A	-	N/A	Beat	-	-	+29.9%
Dec 31, 2021Dec 21 Reported Mar 10, 2022Reported Mar 10	$0.81	N/A	-	N/A	Beat	-	-	+20.9%
Sep 30, 2021Sep 21 Reported Oct 26, 2021Reported Oct 26	$0.85	N/A	-	N/A	Beat	-	-	+37.1%
Jun 30, 2021Jun 21 Reported Jul 23, 2021Reported Jul 23	$0.70	N/A	-	N/A	Beat	-	-	+191.7%
Mar 31, 2021Mar 21 Reported Apr 23, 2021Reported Apr 23	$0.67	N/A	-	N/A	Beat	-	-	+36.7%
Dec 31, 2020Dec 20 Reported Mar 8, 2021Reported Mar 8	$0.67	N/A	-	N/A	Beat	-	-	+17.5%
Sep 30, 2020Sep 20 Reported Oct 23, 2020Reported Oct 23	$0.62	N/A	-	N/A	Beat	-	-	+0.0%
Jun 30, 2020Jun 20 Reported Jul 22, 2020Reported Jul 22	$0.24	N/A	-	N/A	Beat	-	-	-57.1%
Mar 31, 2020Mar 20 Reported Apr 23, 2020Reported Apr 23	$0.49	N/A	-	N/A	Beat	-	-	-3.9%
Dec 31, 2019Dec 19 Reported Mar 13, 2020Reported Mar 13	$0.57	N/A	-	N/A	Beat	-	-	+7.5%
Sep 30, 2019Sep 19 Reported Oct 23, 2019Reported Oct 23	$0.62	N/A	-	N/A	Beat	-	-	+6.9%
Jun 30, 2019Jun 19 Reported Jul 26, 2019Reported Jul 26	$0.56	N/A	-	N/A	Beat	-	-	+0.0%
Mar 31, 2019Mar 19 Reported Apr 19, 2019Reported Apr 19	$0.51	N/A	-	N/A	Beat	-	-	+2.0%
Dec 31, 2018Dec 18 Reported Mar 14, 2019Reported Mar 14	$0.53	N/A	-	N/A	Beat	-	-	-13.1%
Sep 30, 2018Sep 18 Reported Oct 22, 2018Reported Oct 22	$0.58	N/A	-	N/A	Beat	-	-	+23.4%
Jun 30, 2018Jun 18 Reported Jul 26, 2018Reported Jul 26	$0.56	N/A	-	N/A	Beat	-	-	+27.3%
Mar 31, 2018Mar 18 Reported Apr 20, 2018Reported Apr 20	$0.50	N/A	-	N/A	Beat	-	-	+31.6%
Dec 31, 2017Dec 17 Reported Mar 15, 2018Reported Mar 15	$0.61	N/A	-	N/A	Beat	-	-	+60.5%
Sep 30, 2017Sep 17 Reported Oct 24, 2017Reported Oct 24	$0.47	N/A	-	N/A	Beat	-	-	-
Jun 30, 2017Jun 17 Reported Jul 19, 2017Reported Jul 19	$0.44	N/A	-	N/A	Beat	-	-	-
Mar 31, 2017Mar 17 Reported Apr 19, 2017Reported Apr 19	$0.38	N/A	-	N/A	Beat	-	-	-
Dec 31, 2016Dec 16 Reported Mar 15, 2017Reported Mar 15	$0.38	N/A	-	N/A	Beat	-	-	-

Dividends

Dividend Metrics

Forward Yield3.83%

Forward Annual Dividend$1.28

Payout Ratio48.39%

FrequencyQuarterly

Pay MonthsFeb, May, Aug, Nov

Growth

3Y CAGR+3.45%

5Y CAGR+4.40%

NWFL dividend history and ex-dividend dates Run NWFL in the free DRIP calculator

Key Metrics

Valuation
P/E Ratio	10.11	EV/EBITDA	10.47x
Price/FCF	12.18x	FCF Yield	8.21%
Profitability
Profit Margin	28.90%	Operating Margin	44.90%
ROE	11.20%	ROIC	8.12%
Financial Health
Debt/Equity	0.23x	Interest Coverage	0.71x
Current Ratio	N/A	Quick Ratio	N/A
Trading Statistics
Beta	0.55	Avg Volume	36.34K
52-Week High	$35.14	52-Week Low	$23.10

Technical Indicators Dashboard

Moving Averages

SMA 10$33.75

SMA 20$33.76

SMA 50$34.07

SMA 200$30.99

EMA 10$33.70

EMA 20$33.81

EMA 50$33.66

EMA 200$31.19

MACD

Line: -0.11Signal: -0.10Hist: -0.02

ADX

ADX: 17.1+DI: 14.7-DI: 23.4

Aroon & PSAR

Aroon Up16.0

Aroon Down60.0

PSAR$32.64

Bollinger Bands

Upper Band$34.58

Lower Band$32.94

%B Position486%(Upper)

Band Width0.32

RSI (14-Day)

Neutral

44.7

Momentum Oscillators

Stoch %K62.9

Stoch %D67.5

Williams %R-45.5

ROC (10d)0.7%

Momentum0.24

CCI (20d)-69.2

MFI (14d)33.8

Volatility Measures

ATR (14d)$0.69(2.1%)

StdDev (20d)0.41

Hist Vol17.2%(Low)

Volume Flow

VWAP$33.45

OBV1.7M

AD Line-9.9M

CMF (20d)0.023

Volume Metrics

Avg Vol (20d)37.5K

Vol Ratio0.9x

VWMA (20d)$33.84

Pivot Points

R3$34.51

R2$34.25

R1$33.92

Pivot Point$33.66

S1$33.33

S2$33.07

S3$32.74

Advanced Oscillators

TSI-5.84

Ultimate Osc45.2

KST-17.61

Financial Data

Quarter	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023
Total Revenue	$29.36M	$27.27M	$23.46M	$22.96M	$21.31M	$20.21M	$-1,034,000	$18.23M	$17.13M	$16.72M	$17.42M	$17.34M
Cost of Revenue	N/A	$15.29M	$12.10M	$11.23M	$13.08M	$13.08M	$14.46M	$13.90M	$13.09M	$11.60M	$16.91M	$10.35M
Gross Profit	N/A	$15.89M	$23.45M	$23.46M	$20.36M	$19.35M	$-2,638,000	$16.88M	$16.79M	$17.34M	$11.30M	$16.46M

Operating Expenses	$15.79M	$20.99M	$13.62M	$12.93M	$12.53M	$12.06M	$13.42M	$12.03M	$11.44M	$11.73M	$10.85M	$11.28M
R&D	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
SG&A	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Operating Income	N/A	$4.82M	$9.84M	$10.53M	$7.83M	$7.29M	$-16,057,000	$4.85M	$5.34M	$5.61M	$452,000	$5.19M

Interest Income	$40.46M	$38.38M	$33.05M	$32.19M	$31.21M	$30.08M	$29.48M	$28.49M	$27.67M	$26.94M	$26.09M	$24.51M
Interest Expense	$13.62M	$13.83M	$12.10M	$11.73M	$12.14M	$12.23M	$12.86M	$12.56M	$12.75M	$12.23M	$10.79M	$9.47M
Income Before Tax	$11.63M	$4.82M	$9.37M	$10.53M	$7.83M	$7.29M	$-16,057,000	$4.85M	$5.34M	$5.61M	$453,000	$5.19M
Income Tax Expense	$2.30M	$1.09M	$1.93M	$2.20M	$1.63M	$1.51M	$-3,407,000	$1.01M	$1.13M	$1.18M	$98,000	$1.07M

Net Income	$9.33M	$3.73M	$7.44M	$8.33M	$6.21M	$5.77M	$-12,650,000	$3.84M	$4.21M	$4.43M	$355,000	$4.12M

EBITDA	$12.03M	$5.36M	$9.80M	$10.94M	$8.24M	$7.63M	$-15,402,000	$5.60M	$5.99M	$6.18M	$1.13M	$5.94M
EBIT	$11.63M	$4.82M	$9.37M	$10.53M	$7.83M	$7.29M	$-16,057,000	$4.85M	$5.34M	$5.61M	$453,000	$5.19M

* Some calculated fields are derived from available data when not provided by source

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News

After a 40-share grant, Norwood Financial (NWFL) director Phillips holds 16,012 shares directly.

Norwood Financial Corp. (NWFL) director Kenneth A. Phillips was granted 40 common shares as Director Retainer Shares under the 2024 Equity Incentive Plan on October 13, 2026...

Stock Titan•Oct 15, 2026 11:10 AM ET10/15/26•Neutral

Form 4 Norwood Financial Corp: Ronald R. Schmalzle (Director) For: 13 October

Ronald R. Schmalzle, a Director at Norwood Financial Corp (NWFL), filed a Form 4 for October 13th. The article provides this insider trading information and mentions the company's stock symbol.

Investing.com UK•Oct 15, 2026 5:02 AM ET10/15/26•Neutral

Form 4 Norwood Financial Corp: Meg L. Hungerford (Director) For: 13 October

This article reports on a Form 4 filing for Norwood Financial Corp, indicating that Meg L. Hungerford, a director...

Investing.com Nigeria•Oct 15, 2026 4:46 AM ET10/15/26•Neutral

Form 4 Norwood Financial Corp: Joseph W. Carroll (Director) For: 13 October

This article reports that Joseph W. Carroll, a Director at Norwood Financial Corp (NWFL), filed a Form 4 for actions taken on October 13. A Form 4 is a document that must be filed with the U.S. Securities and Exchange...

Investing.com Nigeria•Oct 15, 2026 3:40 AM ET10/15/26•Neutral

Form 4 Norwood Financial Corp: Ralph A. Matergia (Director) For: 13 October

This article reports on a Form 4 filing for Norwood Financial Corp (NWFL), indicating that director Ralph A. Matergia made a transaction on October 13. The brief announcement provides no further details on the nature...

Investing.com Nigeria•Oct 14, 2026 2:46 PM ET10/14/26•Neutral

NWFL Valuation and Fair Value

P/E: 10.1x
Forward P/E: 10.3x
EV/EBITDA: 10.5x
P/FCF: 12.2x
PEG: 2.4x
P/B: 1.3x

See GNG's fair value

NWFL Profitability: Margins, ROIC and FCF

Operating margin: 44.9%
Net margin: 28.9%
ROIC: 8.1%
ROE: 11.2%
FCF margin: 29.1%
FCF yield: 8.2%

NWFL Competitors

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Sector: Financial Services

NWFL Bull Case vs Bear Case

Bull case

NWFL converts 29.1% of revenue into free cash flow.
NWFL has a 28.9% net profit margin.
NWFL grew quarterly revenue 34.7% year over year.

NWFL Earnings: Beat Rate and Next Report

Beat rate: 4 of 8 quarters (50.0%)
Average surprise: -35.7%
EPS estimate (fiscal period ending Sep 30, 2026): $0.94
Estimate revisions (30 days, fiscal period ending Sep 30, 2026): 2 up, 0 down

NWFL Dividend

Forward yield: 3.8%
Payout ratio: 48.4%
3Y DPS growth: 3.5%
5Y DPS growth: 4.4%
Pay months: Feb, May, Aug, Nov

NWFL dividend history

Frequently Asked Questions About NWFL

What is NWFL's current dividend yield?

Norwood Financial Corp (NWFL) has a forward dividend yield of 3.83%.

Does NWFL pay dividends?

Yes, Norwood Financial Corp pays dividends with a forward dividend yield of 3.83%.

What is NWFL's P/E ratio?

Norwood Financial Corp has a price-to-earnings (P/E) ratio of 10.11.

What is NWFL's market cap?

Norwood Financial Corp (NWFL) has a market capitalization of $366.20M with a current stock price of $33.46.

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