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

23.97USD-0.28 (-1.15%)Delayed as of 30 Apr 2024, 11:15 am ET

Market Summary

USD23.97-0.28

Delayedas of 30 Apr 2024, 11:15 am

-1.15%

NWFL Stock Price

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NWFL RSI Chart

NWFL Valuation

Market Cap

196.7M

Price/Earnings (Trailing)

11.74

Price/Sales (Trailing)

2.06

EV/EBITDA

1.57

Price/Free Cashflow

6.92

NWFL Price/Sales (Trailing)

NWFL Profitability

EBT Margin

22.13%

Return on Equity

9.26%

Return on Assets

0.76%

Free Cashflow Yield

14.45%

NWFL Fundamentals

NWFL Revenue

Revenue (TTM)

95.5M

Rev. Growth (Yr)

27.9%

Rev. Growth (Qtr)

6.43%

NWFL Earnings

Earnings (TTM)

16.8M

Earnings Growth (Yr)

-95.04%

Earnings Growth (Qtr)

-91.39%

Breaking Down NWFL Revenue

52 Week Range

23.8733.45

(Low)(High)

Last 7 days

-1.4%

Last 30 days

-10.9%

Last 90 days

-13.1%

Trailing 12 Months

-9.8%

How does NWFL drawdown profile look like?

NWFL Financial Health

NWFL Investor Care

Dividend Yield

4.66%

Dividend/Share (TTM)

1.13

Buy Backs (1Y)

0.87%

Diluted EPS (TTM)

2.07

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
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?

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Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
Apr 25, 2024	Bank of New York Mellon Corp	reduced	-7.77	-238,035	764,438	-%
Apr 23, 2024	AMALGAMATED BANK	reduced	-61.34	-14,000	7,000	-%
Apr 22, 2024	MetLife Investment Management, LLC	unchanged	-	28,350	130,488	-%
Apr 22, 2024	Raymond James Financial Services Advisors, Inc.	added	5.91	-176,163	1,240,930	-%
Apr 17, 2024	PEOPLES FINANCIAL SERVICES CORP.	unchanged	-	-20,263	96,696	0.04%
Apr 17, 2024	Cedar Brook Financial Partners, LLC	sold off	-100	-213,316	-	-%
Apr 16, 2024	Norwood Financial Corp	reduced	-0.09	-2,434,520	11,554,600	16.68%
Apr 15, 2024	EAGLE WEALTH STRATEGIES LLC	unchanged	-	-103,523	670,783	0.54%
Apr 15, 2024	WEALTH ENHANCEMENT ADVISORY SERVICES, LLC	added	0.04	-44,658	213,653	-%
Apr 11, 2024	Bangor Savings Bank	added	15.34	-2,051	42,330	-%

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
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
Mar 22, 2024	8-K	Current Report
Mar 20, 2024	4	Insider Trading

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	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Revenue	6.4%	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	11.00
EBITDA Margin	-16.1%	0.87*	1.04*	1.19*	1.29*	1.38*	1.42*	1.41*	1.39*	1.35*	1.33*	1.29*	1.22*	-	-	-	-	-	-	-	-	-
Interest Expenses	1.7%	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	9.00
Income Taxes	-90.8%	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	1.00
Earnings Before Taxes	-91.3%	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	4.00
EBT Margin	-32.1%	0.22*	0.33*	0.40*	0.43*	0.48*	0.49*	0.48*	0.46*	0.43*	0.42*	0.39*	0.34*	-	-	-	-	-	-	-	-	-
Net Income	-91.4%	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	3.00
Net Income Margin	-33.1%	0.18*	0.26*	0.32*	0.35*	0.39*	0.39*	0.39*	0.37*	0.35*	0.34*	0.31*	0.27*	-	-	-	-	-	-	-	-	-
Free Cashflow	-12.9%	6.00	7.00	6.00	10.00	5.00	8.00	6.00	9.00	6.00	8.00	7.00	7.00	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Assets	1.0%	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	1,185
Cash Equivalents	22.1%	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	18.00
Net PPE	3.4%	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	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	30.00	18.00	11.00	11.00	11.00	11.00	11.00	11.00
Liabilities	0.2%	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	1,062
Short Term Borrowings	-28.7%	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	53.00
Shareholder's Equity	9.9%	181	165	173	176	167	159	174	187	205	203	200	195	195	191	45.00	142	137	135	131	127	122
Retained Earnings	-1.5%	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	78.00
Additional Paid-In Capital	0.3%	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	48.00
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	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Cashflow From Operations	-2.5%	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	3,239
Cashflow From Investing	106.1%	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	-24,040
Cashflow From Financing	-91.5%	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	21,781
Dividend Payments	0%	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	1,379
Buy Backs	-	23.00	-	-	-	311	952	1,239	13.00	479	767	-	194	39.00	-	69.00	-	54.00	-	-	374	15.00

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NWFL Income Statement

2023-12-31

Consolidated Statements Of Income - USD ($)	12 Months Ended
Consolidated Statements Of Income - USD ($)	Dec. 31, 2023	Dec. 31, 2022
INTEREST INCOME
Loans receivable, including fees	$ 85,209,000	$ 66,013,000
Securities: Taxable	8,389,000	7,262,000
Securities: Tax exempt	1,533,000	1,789,000
Interest-bearing deposits with banks	409,000	602,000
Total interest income	95,540,000	75,666,000
INTEREST EXPENSE
Deposits	26,029,000	6,471,000
Short-term borrowings	3,048,000	524,000
Other borrowings	4,396,000	274,000
Total interest expense	33,473,000	7,269,000
NET INTEREST INCOME	62,067,000	68,397,000
PROVISION FOR CREDIT LOSSES	5,548,000	900,000
Net Interest Income After Provision for Credit Losses	56,519,000	67,497,000
OTHER INCOME
Other income	7,136,000	8,761,000
Net realized (losses) gains on sales of securities	(209,000)	3,000
Net gain on sale of loans	63,000	3,000
Net gain on sale of foreclosed real estate owned	80,000	427,000
Earnings and proceeds on life insurance policies	1,012,000	1,087,000
Other	667,000	1,906,000
Total other income	8,124,000	9,932,000
OTHER EXPENSES
Salaries and employee benefits	23,565,000	22,071,000
Occupancy	3,864,000	3,701,000
Furniture and equipment	1,219,000	1,266,000
Data processing and related operations	3,342,000	2,948,000
Federal Deposit Insurance Corporation insurance assessment	985,000	612,000
Advertising	630,000	516,000
Professional fees	1,676,000	1,719,000
Postage and telephone	981,000	959,000
Taxes, other than income	566,000	1,013,000
Foreclosed real estate	129,000	73,000
Amortization of intangible assets	85,000	101,000
Other	6,455,000	6,065,000
Total Other Expenses	43,497,000	41,044,000
Income before Income Taxes	21,146,000	36,385,000
INCOME TAX EXPENSE	4,387,000	7,152,000
Net Income	$ 16,759,000	$ 29,233,000
BASIC EARNINGS PER SHARE	$ 2.08	$ 3.59
DILUTED EARNINGS PER SHARE	$ 2.07	$ 3.58
Service Charges And Fees [Member]
OTHER INCOME
Other income	$ 5,613,000	$ 5,661,000
Income From Fiduciary Activities [Member]
OTHER INCOME
Other income	$ 898,000	$ 845,000

NWFL Balance Sheet

2023-12-31

Consolidated Balance Sheets - USD ($)	Dec. 31, 2023	Dec. 31, 2022
ASSETS
Cash and due from banks	$ 28,533,000	$ 28,847,000
Interest-bearing deposits with banks	37,587,000	3,019,000
Cash and cash equivalents	66,120,000	31,866,000
Securities available for sale	406,259,000	418,927,000
Loans receivable (net of allowance for credit losses 2023: $18,968; 2022: $16,999)	1,584,650,000	1,456,946,000
Regulatory stock, at cost	7,318,000	5,418,000
Premises and equipment, net	17,838,000	17,924,000
Bank owned life insurance	46,439,000	43,364,000
Accrued interest receivable	8,123,000	6,917,000
Foreclosed real estate owned	97,000	346,000
Deferred tax assets, net	21,353,000	23,549,000
Goodwill	29,266,000	29,266,000
Other intangibles	221,000	306,000
Other assets	13,395,000	12,241,000
Total Assets	2,201,079,000	2,047,070,000
Deposits:
Non-interest bearing demand	399,545,000	434,529,000
Interest-bearing demand	253,133,000	237,891,000
Money market deposit accounts	206,928,000	273,165,000
Savings	226,444,000	278,372,000
Time	709,109,000	503,770,000
Total deposits	1,795,159,000	1,727,727,000
Short-term borrowings	74,076,000	93,215,000
Other borrowings	124,236,000	40,000,000
Accrued interest payable	10,510,000	2,653,000
Other liabilities	16,028,000	16,390,000
Total Liabilities	2,020,009,000	1,879,985,000
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: 2023: 8,310,847 shares; 2022: 8,291,401 shares	831,000	829,000
Surplus	97,700,000	96,897,000
Retained earnings	135,284,000	130,020,000
Treasury stock at cost: 2023: 200,690 shares; 2022: 124,650 shares	(5,397,000)	(3,308,000)
Accumulated other comprehensive loss	(47,348,000)	(57,353,000)
Total Stockholders' Equity	181,070,000	167,085,000
Total Liabilities and Stockholders' Equity	$ 2,201,079,000	$ 2,047,070,000

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 Mon Apr 29 2024, market cap of Norwood Financial Corp is 196.67 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 Mon Apr 29 2024, NWFL's PE ratio (Price to Earnings) is 11.74 and Price to Sales (PS) ratio is 2.06. 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 0.098 (multiply by 100 for percentage) rate of return.