Norwood Financial Corp Stock Analysis

NWFL Stock  USD 25.00  0.23  0.93%   
Norwood Financial Corp is undervalued with Real Value of 28.24 and Target Price of 31.0. The main objective of Norwood Financial stock analysis is to determine its intrinsic value, which is an estimate of what Norwood Financial Corp is worth, separate from its market price. There are two main types of Norwood Financial's stock analysis: fundamental analysis and technical analysis.
The Norwood Financial stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA.
  
Check out Correlation Analysis to better understand how to build diversified portfolios, which includes a position in Norwood Financial Corp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census.

Norwood Stock Analysis Notes

About 27.0% of the company shares are owned by institutional investors. The company has price-to-book ratio of 1.08. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. Norwood Financial Corp last dividend was issued on the 15th of January 2025. The entity had 3:2 split on the 18th of September 2017. Norwood Financial Corp. operates as the bank holding company for Wayne Bank that provides various banking products and services. Norwood Financial Corp. was founded in 1870 and is headquartered in Honesdale, Pennsylvania. Norwood Financial operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 263 people. To find out more about Norwood Financial Corp contact James Donnelly at 570 253 1455 or learn more at https://wayne.bank.

Norwood Financial Corp Investment Alerts

Norwood Financial generated a negative expected return over the last 90 days
The company reported the previous year's revenue of 112.58 M. Net Loss for the year was (160 K) with profit before overhead, payroll, taxes, and interest of 77.43 M.
On 3rd of February 2025 Norwood Financial paid $ 0.31 per share dividend to its current shareholders
Latest headline from news.google.com: NORWOOD FINANCIAL CORP SEC 10-K Report - TradingView

Norwood Financial Corp Upcoming and Recent Events

26th of January 2024
Upcoming Quarterly Report
View
31st of December 2023
Next Fiscal Quarter End
View

Norwood Largest EPS Surprises

Earnings surprises can significantly impact Norwood Financial's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
2006-04-25
2006-03-310.320.28-0.0412 
View All Earnings Estimates

Norwood Financial Environmental, Social, and Governance (ESG) Scores

Norwood Financial's ESG score is a quantitative measure that evaluates Norwood Financial's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of Norwood Financial's operations that may have significant financial implications and affect Norwood Financial's stock price as well as guide investors towards more socially responsible investments.

Norwood Stock Institutional Investors

Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
Shares
Jacobs Asset Management, Llc2024-12-31
61.4 K
Raymond James Finl Svs Advisors, Inc.2024-09-30
48.3 K
Emerald Mutual Fund Advisers Trust2024-12-31
47.5 K
Renaissance Technologies Corp2024-12-31
42.9 K
Code Waechter Llc2024-12-31
27.9 K
Jpmorgan Chase & Co2024-12-31
26.3 K
Morgan Stanley - Brokerage Accounts2024-12-31
25.9 K
Commonwealth Equity Services Inc2024-12-31
25.1 K
Eagle Wealth Strategies Llc2024-12-31
23.5 K
Wellington Management Company Llp2024-12-31
618.1 K
Blackrock Inc2024-12-31
590.5 K
Note, although Norwood Financial's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

Norwood Market Capitalization

The company currently falls under 'Small-Cap' category with a current market capitalization of 243.66 M.

Norwood Profitablity

The company has Profit Margin (PM) of 0.21 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.31 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.31.
Last ReportedProjected for Next Year
Return On Capital Employed 0.05  0.04 

Management Efficiency

Return On Tangible Assets is expected to rise to -0.0001 this year. The value of Return On Capital Employed is expected to slide to 0.04. At this time, Norwood Financial's Fixed Asset Turnover is quite stable compared to the past year. Norwood Financial's management efficiency ratios could be used to measure how well Norwood Financial manages its routine affairs as well as how well it operates its assets and liabilities.
Last ReportedProjected for Next Year
Book Value Per Share 26.54  27.86 
Tangible Book Value Per Share 22.88  24.02 
Enterprise Value Over EBITDA 15.94  14.84 
Price Book Value Ratio 1.03  1.63 
Enterprise Value Multiple 15.94  14.84 
Price Fair Value 1.03  1.63 
Enterprise Value304.4 M319.7 M
The strategic decisions made by Norwood Financial management significantly impact its financial stability and market performance. Evaluating these factors helps determine whether the stock is a worthwhile investment.
Dividend Yield
0.047
Operating Margin
0.3089
Profit Margin
0.2062
Forward Dividend Yield
0.047
Beta
0.608

Technical Drivers

As of the 23rd of March, Norwood Financial secures the Standard Deviation of 2.77, mean deviation of 1.61, and Risk Adjusted Performance of (0.07). In connection with fundamental indicators, the technical analysis model lets you check existing technical drivers of Norwood Financial Corp, as well as the relationship between them. Please verify Norwood Financial Corp risk adjusted performance, variance, as well as the relationship between the Variance and potential upside to decide if Norwood Financial Corp is priced some-what accurately, providing market reflects its recent price of 25.0 per share. Given that Norwood Financial Corp has information ratio of (0.07), we recommend you to check Norwood Financial's last-minute market performance to make sure the company can sustain itself at a future point.

Norwood Financial Corp Price Movement Analysis

Execute Study
The output start index for this execution was fourteen with a total number of output elements of fourty-seven. The Bollinger Bands is very popular indicator that was developed by John Bollinger. It consist of three lines. Norwood Financial middle band is a simple moving average of its typical price. The upper and lower bands are (N) standard deviations above and below the middle band. The bands widen and narrow when the volatility of the price is higher or lower, respectively. The upper and lower bands can also be interpreted as price targets for Norwood Financial Corp. When the price bounces off of the lower band and crosses the middle band, then the upper band becomes the price target.

Norwood Financial Corp Insider Trading Activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Norwood Financial insiders, such as employees or executives, is commonly permitted as long as it does not rely on Norwood Financial's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Norwood Financial insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
 
John McCaffery over a week ago
Acquisition by John McCaffery of 250 shares of Norwood Financial at 27.0 subject to Rule 16b-3
 
Gifford Jeffrey S over three weeks ago
Disposition of tradable shares by Gifford Jeffrey S of Norwood Financial at 25.05 subject to Rule 16b-3
 
Schmalzle Ronald R over a month ago
Acquisition by Schmalzle Ronald R of 2800 shares of Norwood Financial at 26.491 subject to Rule 16b-3
 
Schmalzle Ronald R over a month ago
Acquisition by Schmalzle Ronald R of tradable shares of Norwood Financial at 26.0 subject to Rule 16b-3
 
Schmalzle Ronald R over a month ago
Acquisition by Schmalzle Ronald R of 3129 shares of Norwood Financial at 26.0 subject to Rule 16b-3
 
Schmalzle Ronald R over a month ago
Acquisition by Schmalzle Ronald R of 2000 shares of Norwood Financial at 26.0 subject to Rule 16b-3
 
Phillips Kenneth A over two months ago
Acquisition by Phillips Kenneth A of 122 shares of Norwood Financial at 26.44 subject to Rule 16b-3
 
William Lance over two months ago
Acquisition by William Lance of 1500 shares of Norwood Financial at 29.66 subject to Rule 16b-3
 
John Carmody over three months ago
Disposition of 2 shares by John Carmody of Norwood Financial at 30.61 subject to Rule 16b-3
 
Schmalzle Ronald R over three months ago
Insider Trading
 
Gifford Jeffrey S over three months ago
Acquisition by Gifford Jeffrey S of 700 shares of Norwood Financial at 33.53 subject to Rule 16b-3
 
Schmalzle Ronald R over six months ago
Acquisition by Schmalzle Ronald R of 7400 shares of Norwood Financial at 27.0 subject to Rule 16b-3

Norwood Financial Outstanding Bonds

Norwood Financial issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Norwood Financial Corp uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Norwood bonds can be classified according to their maturity, which is the date when Norwood Financial Corp has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

Norwood Financial Predictive Daily Indicators

Norwood Financial intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Norwood Financial stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

Norwood Financial Corporate Filings

18th of March 2025
Other Reports
ViewVerify
10K
14th of March 2025
Annual report required by the U.S. Securities and Exchange Commission (SEC) of a company financial performance
ViewVerify
F4
20th of February 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
8K
18th of February 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
13th of February 2025
Other Reports
ViewVerify
10th of February 2025
Other Reports
ViewVerify
F4
7th of February 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
6th of February 2025
Other Reports
ViewVerify

Norwood Financial Forecast Models

Norwood Financial's time-series forecasting models are one of many Norwood Financial's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Norwood Financial's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

About Norwood Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how Norwood Financial prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Norwood shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as Norwood Financial. By using and applying Norwood Stock analysis, traders can create a robust methodology for identifying Norwood entry and exit points for their positions.
Last ReportedProjected for Next Year
Operating Profit Margin 0.97  1.01 

Current Norwood Analysis - Recommendations

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. Norwood analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. Norwood analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target PriceAdvice# of Analysts
31.0Strong Buy1Odds
Norwood Financial Corp current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most Norwood analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand Norwood stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of Norwood Financial Corp, talking to its executives and customers, or listening to Norwood conference calls.
Norwood Analyst Advice Details

Norwood Stock Analysis Indicators

Norwood Financial Corp stock analysis indicators help investors evaluate how Norwood Financial stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading Norwood Financial shares will generate the highest return on investment. By understating and applying Norwood Financial stock analysis, traders can identify Norwood Financial position entry and exit signals to maximize returns.
Begin Period Cash Flow66.1 M
Long Term Debt59.9 M
Common Stock Shares Outstanding8.1 M
Total Stockholder Equity213.5 M
Tax Provision-98 K
Quarterly Earnings Growth Y O Y-0.063
Property Plant And Equipment Net19.7 M
Cash And Short Term Investments425.4 M
Cash27.6 M
Accounts Payable12.6 M
Net Debt85.5 M
50 Day M A29.4398
Total Current Liabilities125.7 M
Other Operating Expenses3.1 M
Non Current Assets Total66.8 M
Non Currrent Assets Other17.7 M
Stock Based Compensation346 K
When determining whether Norwood Financial Corp is a strong investment it is important to analyze Norwood Financial's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Norwood Financial's future performance. For an informed investment choice regarding Norwood Stock, refer to the following important reports:
Check out Correlation Analysis to better understand how to build diversified portfolios, which includes a position in Norwood Financial Corp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census.
You can also try the Options Analysis module to analyze and evaluate options and option chains as a potential hedge for your portfolios.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Norwood Financial. If investors know Norwood will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Norwood Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.06)
Dividend Share
1.2
Earnings Share
1.59
Revenue Per Share
7.741
Quarterly Revenue Growth
0.025
The market value of Norwood Financial Corp is measured differently than its book value, which is the value of Norwood that is recorded on the company's balance sheet. Investors also form their own opinion of Norwood Financial's value that differs from its market value or its book value, called intrinsic value, which is Norwood Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Norwood Financial's market value can be influenced by many factors that don't directly affect Norwood Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Norwood Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Norwood Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Norwood Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.