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Norwood Financial Corp

NWFL | US

28.95

USD

-0.14

-0.48%

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

09/03/2026

Close

28.95

Open

29.12

High

29.30

Low

28.03

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
34.0
Sharpe
0.57
Luna's Score
48/100
Recommendation
Hold

Luna says (NWFL | US)

What's Working

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

Negative Momentum (Declining Price)

Weakness based on declining price with high volume

Price Below SMA10D

High Short-term Volatility

Microcap (<300M USD)

High Debt to Equity (> 0.75)

Declining Revenue (< 0%)

Volatility Signals

Bullish: Stable Volatility (6-month <= 1-month volatility) is positive for the stock performance.

Risk Meter

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10 days

39.4%

1 month

34.0%

3 months

29.6%

6 months

26.6%

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

234.07M

MarketCap(USD)

234.07M

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: Bearish (SMA10D < SMA1M)

Intermediate-term: Bullish (SMA1M > SMA3M)

Long-term: Bullish (SMA6M > SMA12M)

SMAs: Stock Price Trends

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Range10D

3.21

Range1M

4.13

Range3M

4.73

Volumes: Market Activity

Volume Averages

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Rel. volume

1.19

Price X volume

984.59K

Peers

Name
Ticker
Industry
Close
Marketcap
Day Return
PE Ratio
Debt to Equity
 
 
 
 
 
 
 
 
Fidelity D & D Bancorp IncFDBCBanks - Regional - US43.1247.22M-1.06%18.8559.43%
C&F Financial CorporationCFFIBanks - Regional - US75.02245.08M2.98%10.6054.38%
Flexsteel Industries IncFLXSFurnishings Fixtures & Appliances46.34241.14M-1.43%22.7146.83%
Ames National CorporationATLOBanks - Regional - US26.67239.82M0.13%18.5275.78%
National Bankshares IncNKSHBanks - Regional - US37.19236.58M0.49%19.511.01%
LCNB CorpLCNBBanks - Regional - US16.71236.48M-0.71%29.3568.69%
First National CorporationFXNCBanks - Regional - US26.24235.13M-0.38%16.4653.61%
Hawthorn Bancshares IncHWBKBanks - Regional - US33.56234.47M2.16%40.00108.29%
First United CorporationFUNCBanks - Regional - US36.24234.31M0.39%14.0882.17%
The Bank of PrincetonBPRNBanks - Regional - US33.66231.44M-0.18%10.519.40%
  • 1

Diversifiers

Name
Ticker
Industry
Close
Marketcap
Day Return
PE Ratio
Debt to Equity
 
 
 
 
 
 
 
 
CPI Card Group IncPMTSBuilding Products & Equipment15.485172.78M-0.23%15.61-621.78%
Kewaunee Scientific CorporationKEQUBuilding Products & Equipment41.64119.58M-0.50%5.1619.82%
Cosmos Group Holdings IncCOSGMedia - Diversified0.05114.65Mn/a-91.95%
Virco Mfg. CorporationVIRCBuilding Products & Equipment6.2100.99M-0.80%9.0939.79%
Reading International IncRDIBMedia - Diversified11.2488.17M-2.68%n/a4054.78%
Antelope Enterprise Holdings LimitedAEHLBuilding Products & Equipment2.2332.59M0.90%0.0316.03%
Reading International IncRDIMedia - Diversified1.0429.36M4.07%n/a4054.78%
  • 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)29.5532.77Par
Debt to Equity1.150.66Expensive
Debt to Assets0.090.08Expensive
Market Cap234.07M2.81BEmerging
  • 1

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