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    Norwood Financial Corp (NWFL)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $34.16
    +0.01 (+0.03%)

    Market Cap: $372.31M

    Last updated: Sep 01, 2026 at 10:00 AM ET

    Earnings

    Performance (10Y)

    Beat Rate
    43%(3/7)
    Avg Surprise
    -35.67%

    Upcoming Estimates

    Sep 30, 2026
    EPS Consensus$0.95
    Range$0.95 - $0.96
    2 analysts
    EPS Revisions
    2
    0
    7d
    2
    0
    30d
    EPS Estimate Drift
    90d ago$0.90-5.8%
    60d ago$0.92-3.7%
    30d ago$0.92-3.7%
    7d ago$0.91-4.7%
    Current$0.95
    Revenue Consensus
    $30M
    Range$30M - $30M
    1 analysts
    Dec 31, 2026
    EPS Consensus$0.68
    Range$0.48 - $0.88
    2 analysts
    Revenue Consensus
    $31M
    Range$31M - $31M
    1 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    -$0.68---
    Sep 26EST
    -$0.95---
    Jun 26
    $0.86$0.87-1.15%Miss+28.4%
    Mar 26
    $0.72$0.81-11.11%Miss+14.3%
    Dec 25
    $0.84$0.85-1.18%Miss+154.5%
    Sep 25
    $0.89$0.71+25.35%Beat+86.4%
    Jun 25
    $0.67$0.66+1.52%Beat+28.0%
    Mar 25
    $0.63$0.56+12.50%Beat+14.7%
    Dec 24
    $-1.54$-0.41-275.61%Miss-3950.0%
    Sep 24
    $0.48N/AN/ABeat-6.9%
    Jun 24
    $0.52N/AN/ABeat-35.0%
    Mar 24
    $0.55N/AN/ABeat-22.6%
    Dec 23
    $0.04N/AN/ABeat-95.4%
    Sep 23
    $0.51N/AN/ABeat-48.7%
    Jun 23
    $0.81N/AN/ABeat-4.1%
    Mar 23
    $0.71N/AN/ABeat-18.4%
    Dec 22
    $0.87N/AN/ABeat+7.4%
    Sep 22
    $1.00N/AN/ABeat+17.6%
    Jun 22
    $0.84N/AN/ABeat+20.0%
    Mar 22
    $0.87N/AN/ABeat+29.9%
    Dec 21
    $0.81N/AN/ABeat+20.9%
    Sep 21
    $0.85N/AN/ABeat+37.1%
    Jun 21
    $0.70N/AN/ABeat+191.7%
    Mar 21
    $0.67N/AN/ABeat+36.7%
    Dec 20
    $0.67N/AN/ABeat+17.5%
    Sep 20
    $0.62N/AN/ABeat+0.0%
    Jun 20
    $0.24N/AN/ABeat-57.1%
    Mar 20
    $0.49N/AN/ABeat-3.9%
    Dec 19
    $0.57N/AN/ABeat+7.5%
    Sep 19
    $0.62N/AN/ABeat+6.9%
    Jun 19
    $0.56N/AN/ABeat+0.0%
    Mar 19
    $0.51N/AN/ABeat+2.0%
    Dec 18
    $0.53N/AN/ABeat-13.1%
    Sep 18
    $0.58N/AN/ABeat+23.4%
    Jun 18
    $0.56N/AN/ABeat+27.3%
    Mar 18
    $0.50N/AN/ABeat+31.6%
    Dec 17
    $0.61N/AN/ABeat+60.5%
    Sep 17
    $0.47N/AN/ABeat+26.8%
    Jun 17
    $0.44N/AN/ABeat-
    Mar 17
    $0.38N/AN/ABeat-
    Dec 16
    $0.38N/AN/ABeat-
    Sep 16
    $0.37N/AN/ABeat-

    Dividends

    Dividend Metrics

    Yield3.72%
    Annual/Share$1.27
    Payout Ratio48.02%
    Frequency4
    Pay MonthsFeb, May, Aug, Nov

    Growth

    3Y CAGR+3.45%
    5Y CAGR+4.40%
    View NWFL's full dividend history

    Key Metrics

    Valuation
    P/E Ratio10.32EV/EBITDAN/A
    Price/FCF12.43xFCF Yield8.04%
    Profitability
    Profit Margin28.90%Operating Margin44.90%
    ROE11.20%ROIC8.12%
    Financial Health
    Debt/Equity0.23xInterest Coverage0.71x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.53Avg Volume34.06K
    52-Week High$35.4552-Week Low$23.07

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$33.95
    SMA 20$34.04
    SMA 50$32.72
    SMA 200$30.02
    EMA 10$34.00
    EMA 20$33.82
    EMA 50$32.90
    EMA 200$30.20

    MACD

    Line: 0.34Signal: 0.44Hist: -0.10

    ADX

    ADX: 9.8+DI: 22.5-DI: 18.4

    Aroon & PSAR

    Aroon Up20.0
    Aroon DownN/A
    PSAR$34.79

    Bollinger Bands

    Upper Band$34.62
    Lower Band$33.47
    %B Position338%(Upper)
    Band Width0.60

    RSI (14-Day)

    Neutral
    57.7

    Momentum Oscillators

    Stoch %K56.3
    Stoch %D50.8
    Williams %R-43.4
    ROC (10d)0.2%
    Momentum0.07
    CCI (20d)83.0
    MFI (14d)43.2

    Volatility Measures

    ATR (14d)$0.82(2.4%)
    StdDev (20d)0.29
    Hist Vol14.6%(Low)

    Volume Flow

    VWAP$34.30
    OBV1.8M
    AD Line-12.0M
    CMF (20d)0.150

    Volume Metrics

    Avg Vol (20d)33.0K
    Vol Ratio0.6x
    VWMA (20d)$34.12

    Pivot Points

    R3$34.48
    R2$34.34
    R1$34.24
    Pivot Point$34.10
    S1$34.00
    S2$33.86
    S3$33.76

    Advanced Oscillators

    TSI16.08
    Ultimate Osc53.5
    KST43.78

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 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 RevenueN/A$15.29M$12.10M$11.23M$13.08M$13.08M$14.46M$13.90M$13.09M$11.60M$16.91M$10.35M
    Gross ProfitN/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 IncomeN/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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    Frequently Asked Questions About NWFL

    What is NWFL's current dividend yield?
    Norwood Financial Corp (NWFL) has a current dividend yield of 3.72%.
    Does NWFL pay dividends?
    Yes, Norwood Financial Corp pays dividends with a current yield of 3.72%.
    What is NWFL's P/E ratio?
    Norwood Financial Corp has a price-to-earnings (P/E) ratio of 10.32.
    What is NWFL's market cap?
    Norwood Financial Corp (NWFL) has a market capitalization of $372.31M with a current stock price of $34.16.

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