NORWOOD FINANCIAL CORP (NWFL)
Financials · regional banking · NASDAQ
A Pennsylvania-based community bank holding company providing comprehensive financial services to individuals and businesses across Pennsylvania and New York.
What NORWOOD FINANCIAL CORP does
Norwood Financial Corp is a bank holding company that operates through its subsidiary, Wayne Bank, providing a range of personal and business banking services. The bank offers credit products, trust and wealth management services, and real estate settlement services across Northeastern Pennsylvania and parts of New York.
Recent developments
The company successfully completed the integration of Presence Bancshares in the second quarter of 2026, contributing to record net interest income and asset growth. Additionally, the company reported a $1.4 million net charge-off related to a commercial real estate borrower relationship that filed for Chapter 11 bankruptcy.
From NORWOOD FINANCIAL CORP's filing of 2026-08-07.
Themes: community banking, wealth management, commercial real estate lending, M&A integration
Fundamentals
- Price$33.53 as of 2026-10-09 close
- Market cap$366M as of 2026-08-01 (share count; price 2026-10-09)
- 1-year return+33.3% 2025-10-09 close $25.16 → 2026-10-09 close $33.53
- P/E11.61 as of 2026-10-09
- Net margin+347.0% FY2025, SEC XBRL
- ROE+11.5% FY2025, SEC XBRL
- Debt / equity0.00 as of 2026-09-03
- Revenue CAGR (3y)-3.0% SEC XBRL
- Beta0.48 as of 2026-09-03
- Last reported earnings2026-07-22 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +3.7%; at least 11 years of non-decreasing per-share dividends (SEC XBRL) — a stock split inside this window left the earlier years on a different per-share basis, so the real streak may be longer.
How NWFL compares in its sector
- price-to-earnings ratiomiddle range 513 covered Financials peers, as of 2026-10-09
- net profit margintop 10% 344 covered Financials peers, as of 2026-09-03
- return on equitymiddle range 559 covered Financials peers, as of 2026-09-03
- 3-year revenue CAGRbottom 10% 347 covered Financials peers
- indicated dividend yieldtop 25% 468 covered Financials peers, as of 2026-09-03
- free cash flow (absolute dollars, latest fiscal year)middle range 430 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, NWFL's dividend was covered by reported results (earnings payout 41%, free-cash-flow payout 39%). This describes past coverage, not a forecast.
- Earnings payout41% dividends / net income
- Free-cash-flow payout39% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How NORWOOD FINANCIAL CORP looks technically
NORWOOD FINANCIAL CORP (NWFL) is trading 7.7% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 255 trading days ago — a "golden cross", a bullish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 18, below the 25 that marks a real trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 45, neither overbought (above 70) nor oversold (below 30). It made a new 20-day low about 8 trading days ago.
Trend
7
| Distance from the 200-day | it is trading 7.7% above its 200-day average, the long-term trend line — a longer-term uptrend | +7.7% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $34.10 | $34.10 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $31.14 | $31.14 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing low 8 calendar days ago — the swings before that are what the structure reading is measured on | 8 sessions |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 255 trading days ago — a "golden cross", a bullish long-term signal | 255 sessions |
| Trend strength (14-day ADX) | there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 18, below the 25 that marks a real trend) | 18.4 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 45, neither overbought (above 70) nor oversold (below 30) | 45.2 |
|---|---|---|
| Position in its 14-day range | it is trading around the middle of its 14-day range ($32.28 to $34.56) — its "stochastic" reading is 55 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been slipping within that range over the last few sessions. | 54.8 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in negative territory (momentum leaning bearish) | 15 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $35.48 | $35.48 |
|---|---|---|
| From the 52-week high | it is 5.5% below its 52-week high (its highest price of the past year) | -5.5% |
| Above the 52-week low | it is 40.8% above its 52-week low (its lowest price of the past year) | +40.8% |
| Below the 52-week high | it is 5.5% below its highest point of the past year | 5.5% |
| Since a 20-day breakout | it made a new 20-day low about 8 trading days ago | 8 sessions |
| Since a 55-day breakout | it made a new 55-day high about 19 trading days ago | 19 sessions |
| All-time high | its highest closing price on record is $40.58 (set on 2018-09-25) | $40.58 |
| Given back of the 52-week move | over the past year its closes ranged ($24.08 to $35.25), and it has given back roughly a quarter of its rise from last year’s low — 15% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $27.99 to $28.35. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 15.4% |
| From the all-time high | it is 17.4% below its all-time high | -17.4% |
| Nearest price level | it is trading 1.6% above a support level at $32.99 — a price it turned at three times since 2026-06-29, most recently on 2026-08-20. Since 2024-10-09 it has 11 such levels below the current price and 2 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -1.6% |
| All-time low | its lowest closing price on record is $12.14 (set on 2008-07-11) | $12.14 |
| Above the all-time low | it is 176.1% above its all-time low | +176.1% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 36th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.6935 between its high and its low — about 2.1% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.6935 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $32.75 and $35.29 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $32.75 – $34.02 – $35.29 |
| Typical daily range (% of price) | its price moves about 2.1% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.1% |
| Stretch from the 200-day average | it is trading 3.5 daily ranges above its 200-day average price (7.7% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 3.5 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.90× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
1
| Since a bullish engulfing | 9 sessions ago it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | 9 sessions ago |
|---|
Price gaps
2
| Gap at the open | it opened on 2026-10-09 0.4% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +0.4% |
|---|---|---|
| Gap filled | a 2.1% gap down opened on 2026-07-22 has been "filled" 55 sessions ago — price traded back through the level the gap left behind, and it took 1 session to close | 55 sessions ago |
Price streaks
1
| Closing streak | it closed lower in its latest session, after a session that did not close lower — a single down day rather than a run | 1 session down |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 4.7 percentage points (the stock lost 2.6% while the market gained 2.1%) | -4.7% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 3.4 percentage points (the stock gained 7.0% while the market gained 3.6%) | +3.5% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 7.6 percentage points (the stock gained 6.9% while the market gained 14.5%) | -7.6% |
| vs market, 12 months | over the past 12 months this stock beat the market by 17.3 percentage points (the stock gained 33.3% while the market gained 16.0%) | +17.3% |
Signal agreement
2
| Bullish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average — these describe past price behaviour, not a forecast | 2 of 9 |
|---|---|---|
| Bearish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bearish state: MACD momentum is negative, lagging the market over 6 months — these describe past price behaviour, not a forecast | 2 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading inside the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-02 and projected forward over today's price, the zone traders read as unresolved — neither side has established a trend, and the band is where that gets settled. The band itself is moderate, spanning 4.8% of the share price. | 0.0% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 6% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $31.51 — a volume-weighted average of daily closes over 191 sessions, not a true tick-by-tick VWAP. | +6.4% |
|---|---|---|
| Vs the average paid since it last reported | the price is 1% below the average price paid since it last reported on 2026-07-22 (its 8-K), so the typical buyer over that stretch is under water. That average is $33.94 — a volume-weighted average of daily closes over 57 sessions, not a true tick-by-tick VWAP. | -1.2% |
Price levels it has turned at before
NWFL last closed at $33.53 on 2026-10-09. Since 2024-10-09 it has turned at 11 prices below its last close and 2 above; the 3 nearest below and the 2 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $32.99 | Support | 1.6% below the last close | turned there three times · 2026-06-29 to 2026-08-20 |
| $34.68 | Resistance | 3.4% above the last close | turned there twice · 2024-11-06 to 2026-08-12 |
| $32.16 | Support | 4.1% below the last close | turned there five times · 2024-11-25 to 2026-10-01 |
| $35.42 | Resistance | 5.6% above the last close | turned there three times · 2026-08-03 to 2026-09-16 |
| $31.24 | Support | 6.8% below the last close | turned there four times · 2024-12-11 to 2026-05-28 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
No Elliott-wave labelling currently fits its swings: the recent highs and lows do not satisfy the three rules a five-wave count has to obey, so there is no count to show rather than a count we are unsure about.
Read from daily closes as of 2026-10-09.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · trendless / choppy (low ADX) · lagging the market · Trading inside the Ichimoku cloud | Learn: moving average · golden cross · adx · rsi · breakout
Based on daily closing prices as of 2026-10-09. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingBuy (2.00 mean, 1=Strong Buy…5=Strong Sell) — 2 analysts
- Mean price target$36.50 range $35.00 – $38.00
Analyst estimates, as of 2026-10-04. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for NWFL
- Consensus EPS estimate$0.945 next reporting period, as of 2026-10-04
- Estimate change, 30 days-$0.01 (-1.0%) from $0.955, on 2026-08-30, 35-day window
- Readings revised upward0% of 8 comparable readings
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["exposure to changes in interest rate environment impacting net interest income","credit risks associated with commercial real estate loan portfolio concentration","risks related to successful integration of acquired banking entities"]
What changed in the latest 10-Q
AI-assisted comparison of NWFL's 10-Q filed 2026-05-08 against the prior one filed 2025-11-07.
Management's Discussion & Analysis (MD&A)
- Added:
- Added reference to PB Bankshares acquisition and its goodwill of $7.1 million (filed 2026-05-08)
- Added statement that business combination accounting is a material estimate susceptible to significant change (filed 2026-05-08)
- Added disclosure about $58.1 million increase in cash and cash equivalents related to PB Bankshares acquisition (filed 2026-05-08)
- Added disclosure about $1.4 million increase in right of use asset in Other Assets section (filed 2026-05-08)
- Added disclosure about acquired portfolio contribution to securities fair value increase of $22.4 million (filed 2026-05-08)
- Added disclosure that loans increase was due primarily to acquired portfolio (filed 2026-05-08)
- Removed:
- Removed reference to fiscal year ended December 31, 2024 in Critical Accounting Policies section; replaced with December 31, 2025 (filed 2026-05-08)
- Removed September 30, 2025 balance sheet comparisons; replaced with March 31, 2026 comparisons (filed 2026-05-08)
- Removed reference to organic growth as cause of loan increases (filed 2026-05-08)
- Removed detailed breakdown of loan increases by category (commercial real estate, commercial, consumer, construction, residential, agricultural) (filed 2026-05-08)
- Removed 'and business combination accounting' from Critical Accounting Policies material estimates list in older filing; added back in newer filing as separate item (filed 2025-11-07 vs 2026-05-08)
- Reworded:
- Changed 'December 31, 2024' to 'December 31, 2025' in Critical Accounting Policies reference to consolidated financial statements (filed 2026-05-08)
- Changed 'Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for credit losses, and the determination of goodwill impairment' to include 'business combination accounting' as third item (filed 2026-05-08)
- Changed asset comparison period from September 30, 2025 vs December 31, 2024 to March 31, 2026 vs December 31, 2025 (filed 2026-05-08)
- Changed securities comparison period from September 30, 2025 vs December 31, 2024 to March 31, 2026 vs December 31, 2025 (filed 2026-05-08)
- Changed loans comparison period from September 30, 2025 vs December 31, 2024 to March 31, 2026 vs December 31, 2025 (filed 2026-05-08)
- Changed reason for loan increase from 'organic growth' to 'acquired portfolio' (filed 2026-05-08)
- Notes:
- The newer filing text appears truncated at 'The $385.4 million increase in loans receivabl' and older filing text is truncated at 'The allowance for credit losses totaled $19.9 million as of Septem', limiting full assessment of all changes in those sections
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
1 open-market purchase and 4 open-market sales by insiders in the last 90 days, of which we have read Form 4 filings through 2026-10-05. The 5 days since 2026-10-05 have not been checked yet.
- Last 90 days · read to 2026-10-051 buy ($107105) · 4 sells ($103569) — 1 buying, 1 selling insiders
- Last 180 days · read to 2026-10-0513 buys ($204588) · 4 sells ($103569) — 6 buying, 1 selling insiders
Cluster buying: 6 different insiders reported open-market purchases (SEC code P) of NWFL within a 30-day window between 2026-04-29 and 2026-05-26. Disclosed Form 4 activity, not a prediction of performance or a buy signal.
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-09-02. Based on Form 4 filings read through 2026-10-05; anything filed since is not yet included.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about NWFL's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding NWFL as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 1,066,921
- Reported value $34,301,503
reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 5 increased, 0 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Ask about NWFL's institutional holders → See what each manager we track holds →
Short interest (FINRA)
NWFL had 165,224 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).
NWFL had 1.52% of its shares outstanding sold short as of the 2026-09-15 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 5.35 days to cover at the same settlement.
- Reported short interest (shares) 165,224
- Short interest (% of shares outstanding) 1.52%
- Prior settlement (shares) 153,518
- Reported change 7.63%
- Days to cover (reported) 5.35
Reported to FINRA as of the 2026-09-15 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Community Bank System (CBU)
- Fulton Financial (FULT)
- NBT Bancorp (NBTB)
- Peapack-Gladstone Financial (PGC)
- Dime Community Bancshares (DCOM)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does NORWOOD FINANCIAL CORP (NWFL) do?
Norwood Financial Corp is a bank holding company that operates through its subsidiary, Wayne Bank, providing a range of personal and business banking services. The bank offers credit products, trust and wealth management services, and real estate settlement services across Northeastern Pennsylvania and parts of New York.
What sector is NORWOOD FINANCIAL CORP (NWFL) in?
NORWOOD FINANCIAL CORP (NWFL) is classified in the Financials sector. Its industry is regional banking. It trades on NASDAQ.
Does NWFL pay a dividend?
Yes — NORWOOD FINANCIAL CORP (NWFL) pays a dividend, with an indicated yield of about 3.68% and at least 11 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — a stock split inside this window left the earlier years on a different per-share basis, so the real streak may be longer (market data, as of 2026-09-03). Informational only — not financial advice.
Who are NORWOOD FINANCIAL CORP's (NWFL) competitors?
Notable peers of NORWOOD FINANCIAL CORP (NWFL) include Community Bank System, Fulton Financial, NBT Bancorp, Peapack-Gladstone Financial and Dime Community Bancshares. This peer set is informational only — not financial advice.
Is NORWOOD FINANCIAL CORP (NWFL) overbought or oversold right now?
NORWOOD FINANCIAL CORP (NWFL) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 45, in the neutral middle (as of 2026-10-09). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on NWFL come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest; prices are market data, as of 2026-09-03; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.