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Norwood Financial Corp

NWFL | US

30.86

USD

0.01

0.03%

NWFL | US
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About Norwood Financial Corp

Sector

Financial Services

Industry

Banks - Regional - US

Earnings date

30/06/2024

As of date

24/04/2026

Close

30.86

Open

30.81

High

31.50

Low

30.76

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.

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NWFL | US

Risk
19.5
Sharpe
1.01
Luna's Score
58/100
Recommendation
Hold

Luna says (NWFL | US)

What's Working

Strength based on increasing price with high volume

Low 6-Month Volatility (<30%)

Good Dividend Yield (2% <= Dividend Yield <= 8%)

Low Market Beta (-0.4 to 0.8)

Low Debt to Asset (< 0.2)

Value Stock (Price to Book < 3)

Strong Operating Margin (> 25%)

What's not Working

Price Below SMA10D

Microcap (<300M USD)

High Debt to Equity (> 0.75)

Declining Revenue (< 0%)

Volatility Signals

Bearish: Increased Volatility (6-month > 1-month volatility)

Risk Meter

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10 days

22.7%

1 month

19.5%

3 months

28.3%

6 months

25.0%

Returns

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Fundamental Ratios

PE

17.58

Fwd. PE

-

Price to book

1.27

Debt to equity

1.15

Debt to assets

0.09

Ent. to EBITDA

-

Ent. to rev.

5.57

PEG

-

Other Fundamentals

EBITDA

-

MarketCap

249.51M

MarketCap(USD)

249.51M

Div. yield

4.19

Op. margin

33.86

Erngs. growth

-35.60

Rev. growth

-12.50

Ret. on equity

7.38

Short ratio

4.54

Short perc.

0.75

Market Sentiment (SMA and Price signals)

Short-term: Bullish (SMA10D > SMA1M)

Intermediate-term: Bullish (SMA1M > SMA3M)

Long-term: Bullish (SMA6M > SMA12M)

SMAs: Stock Price Trends

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Range10D

1.33

Range1M

2.91

Range3M

4.73

Volumes: Market Activity

Volume Averages

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Rel. volume

1.11

Price X volume

631.36K

Peers

Name
Ticker
Industry
Close
Marketcap
Day Return
PE Ratio
Debt to Equity
 
 
 
 
 
 
 
 
Investar Holding CorporationISTRBanks - Regional - US27.71272.36M1.09%13.35133.65%
Fidelity D & D Bancorp IncFDBCBanks - Regional - US46.03264.02M-0.24%18.8559.43%
First National CorporationFXNCBanks - Regional - US28.21252.79M0.21%16.4653.61%
Ames National CorporationATLOBanks - Regional - US28.05252.23M-0.43%18.5275.78%
Flexsteel Industries IncFLXSFurnishings Fixtures & Appliances48.2250.81M-0.17%22.7146.83%
The Lovesac CompanyLOVEFurnishings Fixtures & Appliances16.07250.03M-4.06%54.4290.24%
Franklin Financial Services CorporationFRAFBanks - Regional - US56.03247.03M-0.41%9.74222.36%
First United CorporationFUNCBanks - Regional - US38.18246.86M0.58%14.0882.17%
C&F Financial CorporationCFFIBanks - Regional - US75.52246.72M1.25%10.6054.38%
Hawthorn Bancshares IncHWBKBanks - Regional - US34.45240.69M-1.15%40.00108.29%
  • 1

Diversifiers

Name
Ticker
Industry
Close
Marketcap
Day Return
PE Ratio
Debt to Equity
 
 
 
 
 
 
 
 
CPI Card Group IncPMTSBuilding Products & Equipment18.17202.74M2.83%15.61-621.78%
Cosmos Group Holdings IncCOSGMedia - Diversified0.0662151.80M1.85%n/a-91.95%
Kewaunee Scientific CorporationKEQUBuilding Products & Equipment36.11103.70M0.00%5.1619.82%
Virco Mfg. CorporationVIRCBuilding Products & Equipment6.1199.53M1.16%9.0939.79%
ILAGILAGBuilding Products & Equipment3.970.43M6.56%n/a5.48%
Reading International IncRDIMedia - Diversified1.1632.75M1.75%n/a4054.78%
Antelope Enterprise Holdings LimitedAEHLBuilding Products & Equipment0.51657.55M-0.67%0.0316.03%
  • 1

Industry Comparison

ParameterCompanyIndustryIndicator
Enterprise to EBITDA--25.13-
Ent. to Revenue5.5773.69Cheaper
PE Ratio17.5818.44Par
Price to Book1.273,795.44Cheaper
Dividend Yield4.193.11Leader
Std. Deviation (3M)28.2932.77Par
Debt to Equity1.150.66Expensive
Debt to Assets0.090.08Expensive
Market Cap249.51M2.81BEmerging
  • 1

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