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Norwood Financial Corp. operates as the bank holding company for Wayne Bank that provides various banking products and services in the United States. The company offers deposit products, including interest-bearing and non-interest-bearing transaction, statement savings, and money market accounts, as well as certificate of deposits. Its commercial loans include 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; construction financing; land and 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, 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 automated teller machines and branches in Northeastern Pennsylvania; and in New York counties of Delaware, Sullivan, Ontario, Otsego, and Yates. The company was founded in 1870 and is based in Honesdale, Pennsylvania. more
| Time Frame | NWFL | Sector | S&P500 |
|---|---|---|---|
| 1-Week Return | -2.79% | 0.89% | 0.49% |
| 1-Month Return | 9.39% | -1.97% | 1.02% |
| 3-Month Return | 13.61% | 1.14% | 3.34% |
| 6-Month Return | 22.52% | -0.86% | 7.04% |
| 1-Year Return | 19.42% | -0.08% | 11.68% |
| 3-Year Return | -9.57% | 46.32% | 71.63% |
| 5-Year Return | 26.73% | 60.91% | 75.56% |
| 10-Year Return | 71.69% | 205.99% | 257.55% |
| Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | 5YR TREND | |
|---|---|---|---|---|---|---|
| Total Revenue | 79.43M | 85.60M | 103.66M | 101.43M | 136.14M | [{"date":"2021-12-31","value":58.34,"profit":true},{"date":"2022-12-31","value":62.87,"profit":true},{"date":"2023-12-31","value":76.14,"profit":true},{"date":"2024-12-31","value":74.5,"profit":true},{"date":"2025-12-31","value":100,"profit":true}] |
| Cost of Revenue | 9.96M | 8.17M | 39.02M | 53.06M | 49.50M | [{"date":"2021-12-31","value":18.76,"profit":true},{"date":"2022-12-31","value":15.4,"profit":true},{"date":"2023-12-31","value":73.54,"profit":true},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":93.29,"profit":true}] |
| Gross Profit | 69.47M | 77.43M | 64.64M | 48.37M | 86.63M | [{"date":"2021-12-31","value":80.19,"profit":true},{"date":"2022-12-31","value":89.37,"profit":true},{"date":"2023-12-31","value":74.62,"profit":true},{"date":"2024-12-31","value":55.83,"profit":true},{"date":"2025-12-31","value":100,"profit":true}] |
| Gross Margin | 87.46% | 90.46% | 62.36% | 47.69% | 63.63% | [{"date":"2021-12-31","value":96.69,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":68.94,"profit":true},{"date":"2024-12-31","value":52.72,"profit":true},{"date":"2025-12-31","value":70.35,"profit":true}] |
| Operating Expenses | 38.61M | 41.04M | 43.50M | 48.63M | 51.14M | [{"date":"2021-12-31","value":75.51,"profit":true},{"date":"2022-12-31","value":80.26,"profit":true},{"date":"2023-12-31","value":85.06,"profit":true},{"date":"2024-12-31","value":95.09,"profit":true},{"date":"2025-12-31","value":100,"profit":true}] |
| Operating Income | 30.86M | 36.38M | 21.15M | (258.00K) | 35.49M | [{"date":"2021-12-31","value":84.82,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":58.12,"profit":true},{"date":"2024-12-31","value":-0.71,"profit":false},{"date":"2025-12-31","value":97.53,"profit":true}] |
| Total Non-Operating Income/Expense | 96.17M | 61.13M | 41.40M | 52.35M | - | [{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":63.56,"profit":true},{"date":"2023-12-31","value":43.05,"profit":true},{"date":"2024-12-31","value":54.43,"profit":true},{"date":"2025-12-31","value":"-","profit":true}] |
| Pre-Tax Income | 30.86M | 36.38M | 21.15M | (258.00K) | 35.02M | [{"date":"2021-12-31","value":84.82,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":58.12,"profit":true},{"date":"2024-12-31","value":-0.71,"profit":false},{"date":"2025-12-31","value":96.25,"profit":true}] |
| Income Taxes | 5.95M | 7.15M | 4.39M | (98.00K) | 7.26M | [{"date":"2021-12-31","value":81.83,"profit":true},{"date":"2022-12-31","value":98.44,"profit":true},{"date":"2023-12-31","value":60.39,"profit":true},{"date":"2024-12-31","value":-1.35,"profit":false},{"date":"2025-12-31","value":100,"profit":true}] |
| Income After Taxes | 24.91M | 29.23M | 16.76M | (160.00K) | - | [{"date":"2021-12-31","value":85.23,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":57.33,"profit":true},{"date":"2024-12-31","value":-0.55,"profit":false},{"date":"2025-12-31","value":"-","profit":true}] |
| Income From Continuous Operations | 24.91M | 29.23M | 23.55M | (160.00K) | - | [{"date":"2021-12-31","value":85.23,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":80.54,"profit":true},{"date":"2024-12-31","value":-0.55,"profit":false},{"date":"2025-12-31","value":"-","profit":true}] |
| Income From Discontinued Operations | - | - | - | - | - | [{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":"-","profit":true},{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-12-31","value":"-","profit":true}] |
| Net Income | 24.91M | 29.23M | 16.76M | (160.00K) | 27.75M | [{"date":"2021-12-31","value":85.23,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":57.33,"profit":true},{"date":"2024-12-31","value":-0.55,"profit":false},{"date":"2025-12-31","value":94.94,"profit":true}] |
| EPS (Diluted) | 3.03 | 3.58 | 2.07 | 0.01 | 2.99 | [{"date":"2021-12-31","value":84.64,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":57.77,"profit":true},{"date":"2024-12-31","value":0.28,"profit":true},{"date":"2025-12-31","value":83.52,"profit":true}] |
These ratios help you determine the liquidity of the company. Higher is better.
| NWFL | |
|---|---|
| Cash Ratio | 29.96 |
| Current Ratio | 155.21 |
These ratios help you understand the company's efficiency in using its assets to generate returns. Higher is better. For ROE, average long term is around 14%, less than 10% is poor.
| NWFL | |
|---|---|
| ROA (LTM) | 1.17% |
| ROE (LTM) | 12.18% |
These ratios help you understand the company's liabilities, gauging the riskiness of the investment.
| NWFL | |
|---|---|
| Debt Ratio Lower is generally better. Negative is bad. | 0.90 |
| Common Equity/Total Assets Higher is better. Lower can suggest investment is riskier. | 0.10 |
These ratios help you understand the company's valuation. Lower may indicate cheaper stocks.
| NWFL | |
|---|---|
| Trailing PE | 10.61 |
| Forward PE | NM |
| P/S (TTM) | 3.32 |
| P/B | 1.21 |
| EV/R | 4.17 |
| EV/Ebitda | NM |
| PEG | NM |
Norwood Financial Corp (NWFL) share price today is $30.825
Yes, Indians can buy shares of Norwood Financial Corp (NWFL) on Vested. To buy
Yes, you can purchase fractional shares of Norwood Financial Corp (NWFL) via the Vested app. You can start investing in Norwood Financial Corp (NWFL) with a minimum investment of $1.
You can invest in shares of Norwood Financial Corp (NWFL) via Vested in three simple steps:
The 52-week high price of Norwood Financial Corp (NWFL) is $32.23. The 52-week low price of Norwood Financial Corp (NWFL) is $20.22.
The price-to-earnings (P/E) ratio of Norwood Financial Corp (NWFL) is 10.6138
The price-to-book (P/B) ratio of Norwood Financial Corp (NWFL) is 1.21
The dividend yield of Norwood Financial Corp (NWFL) is 3.9%
The market capitalization of Norwood Financial Corp (NWFL) is $284.67M
The stock symbol (or ticker) of Norwood Financial Corp is NWFL
Consider the share price of Norwood Financial Corp as a long-term story and not a daily point list. The price represents a movement of the stock in both good and bad times when looked at over many years. This assists the investors to know whether Norwood Financial Corp has succeeded to expand steadily and overcome market declines. With this price movement observed and the way the business is progressing, it is easier to make a decision whether the stock is worth having in the long term or not.
When investing in Norwood Financial Corp shares, you are not based in India then your investment is not just based on the stock price. It is also determined by the currency movement of the dollar in relation to the rupee. When you have an appreciation of the Norwood Financial Corp stock and the dollar appreciation is also the same, you gain more in terms of rupees. When the rupee appreciated, it will lower your profits. This currency flow is a silent cause of great contribution to your ultimate returns over many years.
Rather than merely checking the share price of Norwood Financial Corp and comparing it with that of other stocks in the same sector, one can check how robust the business is. Investors tend to compare such aspects as profits, cash generation, and the stability of the revenues of the company. This means that Norwood Financial Corp stock in most cases does not react in the same manner as other companies in the sector due to its brand and services revenue.
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