Tearsheet

Norwood Financial (NWFL)

Market Price (6/15/2026): $32.29 | Market Cap: $347.7 MilSector: Financials | Industry: Regional Banks

Norwood Financial (NWFL)

Market Price (6/15/2026): $32.29
Market Cap: $347.7 Mil
Sector: Financials
Industry: Regional Banks

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 11%, Dividend Yield is 3.5%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 6.7%, FCF Yield is 7.7%

Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -41%

Strong revenue growth
Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is 74%

Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 32%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 28%

Low stock price volatility
Vol 12M is 27%

Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments. Themes include Digital Payments, Online Banking & Lending, and Wealth Management Technology.

Trading close to highs
Dist 52W High is 0.0%, Dist 3Y High is 0.0%

Weak multi-year price returns
3Y Excs Rtn is -50%

Key risks
NWFL key risks include [1] integration challenges with its recent PB Bankshares acquisition and [2] deteriorating credit quality in its substantial commercial real estate portfolio.

0	Attractive yield Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 11%, Dividend Yield is 3.5%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 6.7%, FCF Yield is 7.7%
1	Cash is significant % of market cap Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -41%
2	Strong revenue growth Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is 74%
3	Attractive cash flow generation CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 32%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 28%
4	Low stock price volatility Vol 12M is 27%
5	Megatrend and thematic drivers Megatrends include Fintech & Digital Payments. Themes include Digital Payments, Online Banking & Lending, and Wealth Management Technology.
6	Trading close to highs Dist 52W High is 0.0%, Dist 3Y High is 0.0%
7	Weak multi-year price returns 3Y Excs Rtn is -50%
8	Key risks NWFL key risks include [1] integration challenges with its recent PB Bankshares acquisition and [2] deteriorating credit quality in its substantial commercial real estate portfolio.

Valuation & Metrics

FYE: 12/31	Forward FYE		Now	Historical (CYE & TTM)
	2027	2026	6/15/26	2025	2024	2023	2022
Share Price			$32.29	$28.05	$27.20	$32.91	$33.44
Mkt Cap ($ Mil)			347.7	264.8	223.4	264.3	270.9
+ Debt ($ Mil)			88.3	74.1	158.5	114.2	82.3
- Cash ($ Mil)			100.7	44.4	72.3	66.1	31.9
TEV ($ Mil)			335.3	338.9	381.9	378.5	353.2
Valuation Ratios
P/S	2.9	3.0	3.7	3.0	4.4	3.8	3.5
P/EBIT	11.2	11.9	-	-	-	-	-
P/E	10.3	11.1	13.5	9.5	-1,387.3	15.8	9.3
P/FCF	—	—	13.1	9.1	11.3	9.3	9.5
Sector Ratios (* = sector average)
P/S *			3.3	3.1	3.1	2.8	2.8
P/EBIT *			6.9	7.5	8.3	7.3	7.2
P/E *			11.8	11.0	11.6	10.1	9.4
P/FCF *			9.0	9.0	9.2	8.0	6.6

FYE: 12/31	Forward FYE		Now
	2027	2026	6/15/26
Share Price			$32.29
Mkt Cap ($ Mil)			347.7
+ Debt ($ Mil)			88.3
- Cash ($ Mil)			100.7
TEV ($ Mil)			335.3
Valuation Ratios
P/S	2.9	3.0	3.7
P/EBIT	11.2	11.9	-
P/E	10.3	11.1	13.5
P/FCF	—	—	13.1
Sector Ratios (* = sector average)
P/S *			3.3
P/EBIT *			6.9
P/E *			11.8
P/FCF *			9.0

FYE: 12/31	NWFL [1]	S&P 500 [2]
REVENUE GROWTH
LTM Revenue [3]	$95.0 Mil	—
FY 2026 Sales	$114.1 Mil	—
FY 2027 Sales	$121.2 Mil	—
FY 2026 Sales Growth	20.1%	—
FY 2027 Sales Growth	6.2%	7.8%
EARNINGS
LTM Net Income (GAAP) [3]	$25.7 Mil	—
FY 2026 Net Income (Non-GAAP)	$31.4 Mil	—
FY 2027 Net Income (Non-GAAP)	$33.8 Mil	—
FY 2027 Net Income Growth	7.6%	14.6%
FY 2026 EPS (Non-GAAP)	$3.42	—
FY 2027 EPS (Non-GAAP)	$3.69	—
FY 2027 EPS Growth	7.6%	—
VALUATION
FY 2026 P/S	3.0	3.3
FY 2027 P/S	2.9	—
FY 2026 P/E	11.1	20.4
FY 2027 P/E	10.3	—

[1] NWFL forward figures are analyst consensus for the next two fiscal years (fiscal year end 12/31). Net Income and EPS are non-GAAP (adjusted) consensus. P/S and P/E divide the current market cap by the consensus figure.
[2] S&P 500 figures are the SPY ETF's holdings-weighted forward aggregate. P/S and P/E reflect FY1/FY2 consensus blended to the 12-month window ending 6/30/27 (~one year forward), shown when ≥90% of index weight has estimates. Growth is the aggregate next-fiscal-year vs current-fiscal-year (FY1→FY2) change. Index-level dollar Sales, Net Income and EPS are not applicable.
[3] LTM = reported trailing-twelve-month actuals (GAAP).

	NWFL	S&P 500
REVENUE GROWTH	VERY GOOD
Rev LTM ($ Bil)	0.1
Rev Chg Q	34.9%	8.8%
Rev Chg LTM	74.2%	7.4%
Rev Chg 3Y Avg	14.3%	5.8%
PROFITABILITY	GOOD
Op Inc LTM ($ Bil)	�
CFO LTM ($ Bil)	0.0
Net Inc LTM ($ Bil)	0.0
CFO/Rev LTM	32.5%	21.3%
Net Inc Mgn	27.1%	13.0%
VALUATION	LOW
P/S	3.7	3.3
P/CFO	11.3	15.2
P/FCF	13.1	19.7
P/E	13.5	24.2

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Metric	Value	Date	Source
Number of Offices in Northeastern Pennsylvania	15	9172025	Link
Number of Offices in New York	14	9172025	Link
Allowance for Credit Losses to Total Loans	1.16%	12312024	Link
Non-performing Assets to Total Assets	0.34%	12312024	Link
Tier 1 Capital to Risk-Adjusted Assets	12.35%	12312024	Link
Total Capital to Risk-Adjusted Assets	13.45%	12312024	Link
Tangible Common Equity Ratio	8.04%	12312024	Link
Trust Assets Under Management	151,224,000	12312018	Link
Commercial Real Estate Loans as a Percentage of Total Loans	41.7%	12312024	Link
Residential Real Estate Loans as a Percentage of Total Loans	14.3%	12312024	Link
Consumer Loans as a Percentage of Total Loans	43.5%	12312024	Link

Price Chart

Upcoming
7/28/2026	Earnings Release	Rev: $28 Mil (E) EPS: $0.88 (E)

Why The Stock Moved

Qualitative Assessment

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Updated on 6/10/2026

Norwood Financial (NWFL) stock has gained about 10% since 2/28/2026 because of the following key factors:

1. Strong Fiscal Q1 2026 Earnings Beat Driven by Net Interest Income Growth and Margin Expansion.

Norwood Financial reported diluted earnings per share (EPS) of $0.72 for its fiscal Q1 2026, which ended in April 2026, significantly surpassing the consensus estimate of $0.49 by 47.06%. This robust performance was primarily fueled by a record net interest income of $24.6 million, marking a 38% increase from the prior-year quarter. Additionally, the net interest margin on a fully tax-equivalent basis expanded by 38 basis points year-over-year to 3.68%.

2. Successful Integration and Favorable Impact of the Presence Bank Acquisition.

The January 5, 2026, closing of the Presence Bank acquisition was a key driver for the strong financial results in fiscal Q1 2026. This acquisition added approximately $500 million in assets, increasing Norwood Financial's total assets to $2.9 billion. The merger's financial metrics exceeded initial projections, with tangible book value dilution at 2.24%, which was significantly better than the initially estimated 4.2%. The acquisition is also anticipated to enhance EPS by 10% by 2026.

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Stock Movement Drivers

Fundamental Drivers

The 11.7% change in NWFL stock from 2/28/2026 to 6/14/2026 was primarily driven by a 124.1% change in the company's Net Income Margin (%).

(LTM values as of)	2282026	6142026	Change
Stock Price ($)	28.76	32.14	11.7%
Change Contribution By:
Total Revenues ($ Mil)	63	95	49.7%
Net Income Margin (%)	12.1%	27.1%	124.1%
P/E Multiple	35.0	13.5	-61.5%
Shares Outstanding (Mil)	9	11	-13.5%
Cumulative Contribution			11.7%

LTM = Last Twelve Months as of date shown

Market Drivers

2/28/2026 to 6/14/2026

	Return	Correlation
NWFL	11.7%
Market (SPY)	8.4%	14.2%
Sector (XLF)	4.2%	28.0%

Fundamental Drivers

The 14.6% change in NWFL stock from 11/30/2025 to 6/14/2026 was primarily driven by a 124.1% change in the company's Net Income Margin (%).

(LTM values as of)	11302025	6142026	Change
Stock Price ($)	28.04	32.14	14.6%
Change Contribution By:
Total Revenues ($ Mil)	63	95	49.7%
Net Income Margin (%)	12.1%	27.1%	124.1%
P/E Multiple	34.1	13.5	-60.5%
Shares Outstanding (Mil)	9	11	-13.5%
Cumulative Contribution			14.6%

LTM = Last Twelve Months as of date shown

Market Drivers

11/30/2025 to 6/14/2026

	Return	Correlation
NWFL	14.6%
Market (SPY)	9.2%	16.6%
Sector (XLF)	0.9%	35.1%

Fundamental Drivers

The 29.5% change in NWFL stock from 5/31/2025 to 6/14/2026 was primarily driven by a 1151.8% change in the company's Net Income Margin (%).

(LTM values as of)	5312025	6142026	Change
Stock Price ($)	24.83	32.14	29.5%
Change Contribution By:
Total Revenues ($ Mil)	55	95	74.2%
Net Income Margin (%)	2.2%	27.1%	1151.8%
P/E Multiple	194.1	13.5	-93.1%
Shares Outstanding (Mil)	9	11	-14.4%
Cumulative Contribution			29.5%

LTM = Last Twelve Months as of date shown

Market Drivers

5/31/2025 to 6/14/2026

	Return	Correlation
NWFL	29.5%
Market (SPY)	27.3%	23.8%
Sector (XLF)	6.3%	41.9%

Fundamental Drivers

The 52.8% change in NWFL stock from 5/31/2023 to 6/14/2026 was primarily driven by a 119.5% change in the company's P/E Multiple.

(LTM values as of)	5312023	6142026	Change
Stock Price ($)	21.03	32.14	52.8%
Change Contribution By:
Total Revenues ($ Mil)	77	95	23.5%
Net Income Margin (%)	36.3%	27.1%	-25.4%
P/E Multiple	6.1	13.5	119.5%
Shares Outstanding (Mil)	8	11	-24.5%
Cumulative Contribution			52.8%

LTM = Last Twelve Months as of date shown

Market Drivers

5/31/2023 to 6/14/2026

	Return	Correlation
NWFL	52.8%
Market (SPY)	84.5%	27.4%
Sector (XLF)	76.3%	38.6%

Return vs. Risk

Price Returns Compared

	2021	2022	2023	2024	2025	2026	Total [1]
Returns
NWFL Return	3%	34%	2%	-14%	8%	16%	55%
Peers Return	28%	14%	-4%	10%	6%	26%	106%
S&P 500 Return	27%	-19%	24%	23%	16%	8%	97%
Monthly Win Rates [3]
NWFL Win Rate	50%	67%	50%	58%	42%	83%
Peers Win Rate	52%	42%	50%	48%	52%	80%
S&P 500 Win Rate	75%	42%	67%	75%	67%	50%
Max Drawdowns [4]
NWFL Max Drawdown	-15%	-19%	-30%	-27%	-19%	-13%
Peers Max Drawdown	-13%	-18%	-38%	-25%	-22%	-14%
S&P 500 Max Drawdown	-5%	-25%	-10%	-8%	-19%	-9%

[1] Cumulative total returns since the beginning of 2021
[2] Peers: PFIS, CZFS, TMP, CHMG, STBA.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 6/12/2026 (YTD)

Event	NWFL	S&P 500
2025 US Tariff Shock
% Loss	-15.5%	-18.8%
% Gain to Breakeven	18.4%	23.1%
Time to Breakeven	21 days	79 days
Summer-Fall 2023 Five Percent Yield Shock
% Loss	-18.7%	-9.5%
% Gain to Breakeven	22.9%	10.5%
Time to Breakeven	42 days	24 days
2023 SVB Regional Banking Crisis
% Loss	-29.0%	-6.7%
% Gain to Breakeven	40.8%	7.1%
Time to Breakeven	199 days	31 days
2020 COVID-19 Crash
% Loss	-34.4%	-33.7%
% Gain to Breakeven	52.4%	50.9%
Time to Breakeven	932 days	140 days
Q4 2018 Fed Policy Error / Growth Scare
% Loss	-21.9%	-19.2%
% Gain to Breakeven	28.0%	23.8%
Time to Breakeven	367 days	105 days
2011 US Debt Ceiling Crisis & European Contagion
% Loss	-10.6%	-17.9%
% Gain to Breakeven	11.9%	21.8%
Time to Breakeven	56 days	123 days

Compare to PFIS, CZFS, TMP, CHMG, STBA

In The Past

Norwood Financial's stock fell -15.5% during the 2025 US Tariff Shock. Such a loss loss requires a 18.4% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

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Event	NWFL	S&P 500
2023 SVB Regional Banking Crisis
% Loss	-29.0%	-6.7%
% Gain to Breakeven	40.8%	7.1%
Time to Breakeven	199 days	31 days
2020 COVID-19 Crash
% Loss	-34.4%	-33.7%
% Gain to Breakeven	52.4%	50.9%
Time to Breakeven	932 days	140 days
Q4 2018 Fed Policy Error / Growth Scare
% Loss	-21.9%	-19.2%
% Gain to Breakeven	28.0%	23.8%
Time to Breakeven	367 days	105 days
2008-2009 Global Financial Crisis
% Loss	-21.4%	-53.4%
% Gain to Breakeven	27.2%	114.4%
Time to Breakeven	41 days	1085 days

Compare to PFIS, CZFS, TMP, CHMG, STBA

In The Past

Norwood Financial's stock fell -15.5% during the 2025 US Tariff Shock. Such a loss loss requires a 18.4% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

About Norwood Financial (NWFL)

Business Description Analogies Products Customers Suppliers Management Key Risks Emerging Threats Market Size Revenue Drivers Capital Allocation

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; 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 fourteen offices in Northeastern Pennsylvania; and sixteen offices in Delaware, Sullivan, Ontario, Otsego, and Yates Counties, New York, as well as thirty-one automated teller machines. Norwood Financial Corp. was founded in 1870 and is headquartered in Honesdale, Pennsylvania.

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KeyBank for rural Pennsylvania and New York.

Citizens Financial for specific communities in Northeastern Pennsylvania and New York.

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Deposit Accounts: Offers a variety of interest-bearing and non-interest-bearing checking, savings, money market, and certificate of deposit accounts.
Loan Services: Provides diverse lending options including commercial, municipal, construction, land, consumer, mortgage, and indirect dealer financing.
Investment & Wealth Management Services: Delivers investment securities, trust and investment products, annuity and mutual fund sales, and discount brokerage services.
Digital & Business Banking Services: Features cash management, direct deposit, various mobile and online banking functionalities, and automated clearing house activities.
Insurance Services: Operates an insurance agency business.

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Norwood Financial (NWFL) serves a diverse customer base, primarily providing banking products and services directly to various entities. Its major customer categories include:

Consumers: Individuals who utilize deposit accounts, various consumer and mortgage loans, investment services, and digital banking platforms.
Businesses: Commercial entities that leverage commercial loans (lines of credit, term loans, mortgages), construction loans, land loans, and cash management services.
Nonprofit Organizations and Municipalities: These entities utilize deposit services, municipal finance lending, and other banking solutions tailored to their operational needs.

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James O. Donnelly - President and Chief Executive Officer

James O. Donnelly was appointed President and Chief Executive Officer of Norwood Financial Corp and Wayne Bank in May 2022. He possesses over 30 years of banking experience, having previously served as Executive Vice President and Chief Commercial Officer at Bangor Savings Bank. His career in banking began in 1991 at KeyBank, and he also held a position at Machias Savings Bank. Beyond his banking career, Mr. Donnelly has a background in public service, having served in the 115th to 118th Maine Legislatures, where he was noted as the youngest member elected to the 115th Legislature and the youngest legislative leader in the country as House minority leader in the 118th Legislature. He holds an M.B.A. from Post University and a B.A. from the University of Maine at Presque Isle.

John M. McCaffery - Executive Vice President and Chief Financial Officer

John M. McCaffery was appointed Executive Vice President and Chief Financial Officer for Norwood Financial Corp and Wayne Bank, effective June 24, 2024. He brings over three decades of leadership and finance expertise from various financial institutions. His prior roles include Senior Vice President and Treasurer at Metropolitan Commercial Bank, and Executive Vice President and Chief Financial Officer for Newtek Bank, N.A. and Bridge Bancorp. Following the merger of Bridge Bancorp and Dime Community Bancorp, Mr. McCaffery became Senior Executive Vice President and Chief Risk Officer. His experience encompasses capital raising, M&A transactions and integrations, growth and restructuring, and regulatory compliance. Mr. McCaffery earned a Bachelor of Business Administration in Banking & Finance from Hofstra University.

Janak Amin - Executive Vice President and Chief Operating Officer

Janak Amin serves as the Executive Vice President and Chief Operating Officer of Norwood Financial Corp and Wayne Bank.

Vincent G. O'Bell - Executive Vice President and Chief Lending Officer

Vincent G. O'Bell is the Executive Vice President and Chief Lending Officer for Norwood Financial Corp and Wayne Bank.

John F. Carmody - Executive Vice President and Chief Credit Officer

John F. Carmody holds the position of Executive Vice President and Chief Credit Officer at Norwood Financial Corp and Wayne Bank.

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Key Risks to Norwood Financial (NWFL):

Interest Rate Risk: As a financial institution, Norwood Financial is significantly exposed to fluctuations in interest rates. Changes in interest rates directly impact the company's net interest income and overall profitability. For example, a 200-basis point increase in rates could decrease net interest income by 5.1% in the first year. Higher interest expenses due to rising rates have already affected profitability.
Credit Risk: The company faces ongoing credit risk, particularly within its commercial real estate and consumer loan portfolios. Deterioration in credit quality in these areas could lead to increased loan loss provisions and negatively impact earnings. The acquisition of PB BancShares introduced a loan portfolio heavily weighted toward commercial real estate, which presents integration and concentration risks.
Market Competition: Norwood Financial operates in a highly competitive banking environment, facing competition from other insured financial institutions, online banks, and various investment products. This intense competition could hinder the company's ability to attract and retain customers and maintain market share.

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Digital-First Banks and Neobanks: These entities, operating without physical branches, offer superior digital experiences, competitive rates, and often lower fees, directly threatening Norwood Financial's deposit acquisition and retention across transaction, savings, and money market accounts.
Online Lending Platforms: Specialized fintech companies and established online lenders for consumer, mortgage, and small business loans (including indirect dealer financing) offer streamlined application processes, faster approvals, and potentially more competitive rates, eroding Norwood Financial's market share in its various lending segments.
Big Tech Companies Entering Financial Services: Large technology companies leveraging their massive user bases, data analytics, and strong brands to offer payment solutions, credit cards, and potentially savings and lending products (either directly or through partnerships) pose a significant threat by controlling the customer interface and siphoning off financial activity.
Robo-advisors and Digital Investment Platforms: These platforms offer automated, low-cost, and accessible investment management, directly competing with Norwood Financial's traditional trust, investment products, annuity, mutual fund sales, and discount brokerage activities.

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Expected Drivers of Future Revenue Growth for Norwood Financial (NWFL)

Strategic Acquisitions and Market Expansion: Norwood Financial's acquisition of Presence Bank, completed in January 2026, expanded its geographic footprint and increased its asset base by 20%. The company has also identified mergers and acquisitions as a strategic priority for 2026, indicating potential for further expansion into new markets or through additional acquisitions in the next 2-3 years.
Strong Loan and Deposit Growth: The company demonstrated strong organic growth in 2025, with loans increasing by 8.2% and total deposits growing by 11.8% year-over-year. This momentum in loan and deposit growth is expected to continue contributing to a more robust balance sheet and higher quality earnings, thereby driving revenue growth in the coming years.
Net Interest Income and Margin Expansion: Norwood Financial experienced a significant increase in net interest income and an expansion of its net interest margin in 2025. This improvement was largely due to a strategic repositioning of its bond portfolio to higher-yielding investments in late 2024, as well as increasing asset yields and decreasing liability costs. This positive trend in net interest income and margin is anticipated to continue supporting revenue growth.
Enhanced Operational Efficiency and Technology Adoption: The integration of advanced AI tools is a strategic initiative aimed at enhancing operational efficiency. By improving efficiency, the company can potentially reduce costs and optimize service delivery, which can indirectly contribute to revenue growth by freeing up resources for growth initiatives and improving customer satisfaction.

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Share Repurchases

Norwood Financial Corp. authorized a stock repurchase program on March 30, 2021, allowing for the repurchase of up to 5% of its outstanding common stock, or approximately 400,000 shares.
Significant share repurchases include $2.91 million on June 30, 2023.
Other repurchases were noted across 2021, 2022, 2024 and 2025 in varying quarterly amounts.

Share Issuance

In 2024, Norwood Financial completed a common stock offering of 1.15 million shares, generating approximately $28 million in net proceeds.

Outbound Investments

Norwood Financial Corp. completed the acquisition of PB Bankshares, Inc. and its wholly-owned subsidiary, Presence Bank, around January 5, 2026.
The PB Bankshares acquisition was valued at approximately $55 million to $58 million, increasing Norwood Financial's total assets by roughly 20%.
Management repositioned approximately $175 million of securities in late 2024, which involved realizing a $20 million loss but reinvesting around $155 million at a 5.17% yield.

Interactive Breakdown

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Better Bets vs. Norwood Financial (NWFL)

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Latest Trefis Analyses

	Title	Date
0	DASHBOARDS
1	Would You Still Hold Norwood Financial Stock If It Fell 30%?	10/17/2025

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0	ARTICLES

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VELO	Velo3D	0.5	60.9%	85.6%
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CBRL	Cracker Barrel Old Country Store	1.0	39.2%	86.6%
ICHR	Ichor	3.0	38.0%	371.0%
NUVL	Nuvalent	9.7	35.5%	22.5%
CNTN	Canton Strategic	0.6	34.3%	2.0%
PAYO	Payoneer Global	2.3	33.9%	20.1%
ELVN	Enliven Therapeutics	2.9	32.9%	199.5%
GLXY	Galaxy Digital	6.4	32.7%	49.2%
UCTT	Ultra Clean	4.9	32.7%	329.9%

Top Losers

Ticker	Company	Mkt Cap (B)	1W Rtn	YTD Rtn
PCT	PureCycle Technologies	1.6	-29.0%	3.4%
SMCI	Super Micro Computer	18.3	-26.8%	4.1%
SWMR	Swarmer	0.7	-25.6%	45.8%
WOLF	Wolfspeed	1.7	-21.6%	147.8%
NRGV	Energy Vault	0.7	-21.4%	-6.7%
MRLN	Merlin	0.5	-20.8%	-71.0%
SAIL	SailPoint	8.2	-19.8%	-27.7%
PRIM	Primoris Services	5.3	-19.0%	-20.5%
ADBE	Adobe	83.6	-18.9%	-41.7%
TMCR	Metals Royalty	0.5	-18.6%	-33.3%

Top Gainers

Ticker	Company	Mkt Cap (B)	1M Rtn	YTD Rtn
NVRI	Enviri	1.8	295.5%	329.9%
APPS	Digital Turbine	1.1	136.9%	95.2%
HYLN	Hyliion	1.3	106.1%	302.2%
AMC	AMC Entertainment	1.3	75.9%	50.0%
REPL	Replimune	0.8	67.5%	-8.6%
ALAB	Astera Labs	62.7	63.8%	120.7%
UMAC	Unusual Machines	0.9	63.2%	91.8%
GENI	Genius Sports	1.8	62.7%	-37.8%
DELL	Dell Technologies	261.1	62.2%	215.6%
CBRL	Cracker Barrel Old Country Store	1.0	61.3%	86.6%

Top Losers

Ticker	Company	Mkt Cap (B)	1M Rtn	YTD Rtn
ADCT	ADC Therapeutics	0.2	-69.8%	-70.3%
VRRM	Verra Mobility	0.7	-65.2%	-79.2%
BTGO	BitGo	0.5	-58.2%	-73.1%
FULC	Fulcrum Therapeutics	0.3	-52.4%	-69.5%
LWLG	Lightwave Logic	1.4	-47.4%	196.0%
MRAM	Everspin Technologies	0.6	-41.1%	163.0%
HYMC	Hycroft Mining	2.3	-41.0%	8.4%
OMER	Omeros	0.6	-39.3%	-49.1%
JBIO	Jade Biosciences	0.9	-38.8%	-0.6%
PLAB	Photronics	1.8	-38.7%	-0.7%

Peer Comparisons

Peers to compare with:

Financials

	NWFL	PFIS	CZFS	TMP	CHMG	STBA	Median
Name	Norwood .	Peoples .	Citizens.	Tompkins.	Chemung .	S&T Banc.
Mkt Price	32.14	63.52	69.65	92.02	72.50	47.85	66.59
Mkt Cap	0.3	0.6	0.3	1.3	0.3	1.8	0.5
Rev LTM	95	192	116	256	98	410	154
Op Inc LTM	-	-	-	-	-	-	-
FCF LTM	27	41	43	82	46	143	44
FCF 3Y Avg	24	35	33	84	33	155	34
CFO LTM	31	54	44	90	47	147	50
CFO 3Y Avg	27	42	35	91	35	159	38

Growth & Margins

	NWFL	PFIS	CZFS	TMP	CHMG	STBA	Median
Name	Norwood .	Peoples .	Citizens.	Tompkins.	Chemung .	S&T Banc.
Rev Chg LTM	74.2%	22.6%	13.1%	-15.8%	0.0%	7.6%	10.3%
Rev Chg 3Y Avg	14.3%	24.7%	11.6%	-1.0%	0.2%	1.6%	6.6%
Rev Chg Q	34.9%	10.3%	12.8%	2.4%	16.3%	8.9%	11.5%
QoQ Delta Rev Chg LTM	8.0%	2.5%	3.0%	0.8%	4.4%	2.1%	2.7%
Op Inc Chg LTM	-	-	-	-	-	-	-
Op Inc Chg 3Y Avg	-	-	-	-	-	-	-
Op Mgn LTM	-	-	-	-	-	-	-
Op Mgn 3Y Avg	-	-	-	-	-	-	-
QoQ Delta Op Mgn LTM	-	-	-	-	-	-	-
CFO/Rev LTM	32.5%	27.8%	37.7%	35.2%	48.3%	35.9%	35.5%
CFO/Rev 3Y Avg	39.3%	28.9%	32.8%	35.9%	35.7%	40.0%	35.8%
FCF/Rev LTM	28.0%	21.4%	37.0%	32.1%	46.8%	34.9%	33.5%
FCF/Rev 3Y Avg	34.8%	24.4%	31.1%	33.2%	33.8%	39.0%	33.5%

Valuation

	NWFL	PFIS	CZFS	TMP	CHMG	STBA	Median
Name	Norwood .	Peoples .	Citizens.	Tompkins.	Chemung .	S&T Banc.
Mkt Cap	0.3	0.6	0.3	1.3	0.3	1.8	0.5
P/S	3.6	3.3	2.9	5.1	3.5	4.3	3.6
P/Op Inc	-	-	-	-	-	-	-
P/EBIT	-	-	-	-	-	-	-
P/E	13.5	10.8	8.5	7.8	18.9	13.0	11.9
P/CFO	11.2	11.9	7.7	14.6	7.3	12.0	11.5
Total Yield	10.9%	11.2%	14.6%	15.6%	7.2%	10.7%	11.1%
Dividend Yield	3.5%	2.0%	2.9%	2.8%	1.9%	3.0%	2.8%
FCF Yield 3Y Avg	9.8%	8.3%	12.1%	9.6%	14.3%	11.3%	10.5%
D/E	0.3	0.6	0.6	0.3	0.4	0.1	0.4
Net D/E	-0.4	0.2	0.2	-0.5	-0.5	-0.7	-0.5

Returns

	NWFL	PFIS	CZFS	TMP	CHMG	STBA	Median
Name	Norwood .	Peoples .	Citizens.	Tompkins.	Chemung .	S&T Banc.
1M Rtn	11.8%	13.9%	11.2%	12.1%	10.7%	10.5%	11.5%
3M Rtn	14.7%	22.9%	19.0%	25.3%	35.3%	20.0%	21.5%
6M Rtn	9.6%	23.3%	15.6%	26.1%	27.4%	15.3%	19.5%
12M Rtn	32.7%	39.4%	30.0%	56.6%	57.8%	35.9%	37.7%
3Y Rtn	25.9%	64.4%	-10.4%	72.7%	99.1%	80.7%	68.5%
1M Excs Rtn	9.8%	11.8%	11.6%	11.3%	9.4%	10.6%	10.9%
3M Excs Rtn	2.7%	10.8%	6.9%	13.3%	23.2%	8.0%	9.4%
6M Excs Rtn	3.1%	17.5%	7.9%	17.5%	23.1%	8.2%	12.9%
12M Excs Rtn	7.2%	12.6%	-2.7%	28.5%	31.6%	8.8%	10.7%
3Y Excs Rtn	-50.2%	-7.2%	-88.7%	-3.7%	24.9%	-0.4%	-5.4%

FDIC Bank Data

Bank Capital

null

Bank Deposits

null

Bank Assets

null

Bank Loans

null

FDA Approved Drugs Data

Expand for Morenull

Financials

Annual
Quarterly

$ Mil \| FY: 12/31	LTM	2025	2024	2023	2022	2021	2020
Period End	3/31/2026	12/31/2025	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020
Filing Date	5/8/2026	3/13/2026	3/14/2025	3/14/2024	3/17/2023	3/11/2022	3/9/2021
Key Financials
Total Revenue	95	88	51	70	78	74	58
Net Income	26	28	-0	17	29	25	15
EPS	2.72	3.01	-0.02	2.08	3.59	3.05	2.09
Growth Rates
Total Revenue Growth	74.2%	72.3%	-27.3%	-10.4%	6.3%	26.5%	28.4%
Net Income Growth	2080.7%	17446.9%	-101.0%	-42.7%	17.3%	65.2%	6.1%
Margins
Net Income Margin	27.1%	31.6%	-0.3%	23.9%	37.3%	33.8%	25.9%
Cash & Debt
Total Cash	229	324	470	472	451	613	338
Total Debt	88	74	159	114	82	30	42
Net Debt / (Cash)	-140	-250	-312	-358	-369	-583	-296
Cash Flows & CapEx
Net Cash from Operations	31	34	23	30	31	29	14
Total CapEx	-4	-5	-3	-1	-2	-1	-1
Free Cash from Operations	27	29	20	28	29	28	13
Returns to Shareholders
Dividends	12	11	10	9	9	9	7
Share Repurchases	0	0	1	3	3	1	0

$ Mil \| FY: 12/31	2026Q1	2025Q4	2025Q3	2025Q2	2025Q1	2024Q4	2024Q3	2024Q2	2024Q1	2023Q4	2023Q3	2023Q2
Period End	3/31/2026	12/31/2025	9/30/2025	6/30/2025	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023
Filing Date	5/8/2026	3/13/2026	11/7/2025	8/8/2025	5/9/2025	3/14/2025	11/7/2024	8/8/2024	5/9/2024	3/14/2024	11/14/2023	8/11/2023
Key Financials Quarterly
Total Revenue	27	23	23	21	20	-1	18	17	17	17	17	17
Net Income	4	7	8	6	6	-13	4	4	4	0	4	7
EPS	0.35	0.81	0.89	0.67	0.63	-1.54	0.48	0.52	0.55	0.04	0.51	0.81
Key Financials TTM
Total Revenue TTM	95	88	63	59	55	51	69	69	69	70	72	75
Net Income TTM	26	28	8	3	1	-0	13	13	15	17	24	28
Growth Rates Quarterly
Total Revenue Growth	34.9%	2368.5%	26.0%	24.4%	20.9%	-105.9%	5.1%	-1.7%	-7.2%	-9.1%	-14.8%	-10.1%
Net Income Growth	-35.4%	158.8%	116.8%	47.3%	30.2%	-3673.7%	-6.7%	-35.2%	-23.3%	-95.0%	-49.2%	-5.1%
Margins Quarterly
Net Income Margin	13.7%	31.7%	36.3%	29.1%	28.6%	-	21.1%	24.6%	26.5%	2.0%	23.7%	37.3%
Cash & Debt
Total Cash	229	324	216	351	379	470	480	467	510	472	435	437
Total Debt	88	74	72	112	119	159	137	150	211	114	241	212
Net Debt / (Cash)	-140	-250	-144	-239	-260	-312	-342	-317	-299	-358	-193	-225
Cash Flows Quarterly
FCF from Operations	6	9	9	7	9	5	5	9	4	7	7	6
Cash Flows TTM
FCF from Operations TTM	31	34	30	25	28	23	25	27	24	30	29	31
Returns to Shareholders Quarterly
Dividends	4	3	3	3	3	2	2	2	2	2	2	2
Share Repurchases	-0	0	-0	-0	0	0	0	1	-0	0	-0	3
Return on Invested Capital (ROIC) Quarterly
ROIC	-	-	-	-	-	-	-	-	-	-	-	-
Return on Invested Capital (ROIC) TTM
ROIC TTM	-	-	-	-	-	-	-	-	-	-	-	-

Segment Financials

Revenue by Segment

$ Mil	2025	2024	2023	2022	2021
Community Banking	88	51	70
Single Segment				78	74
Total	88	51	70	78	74

Price Behavior

Price Behavior

Market Price	$32.14
Market Cap ($ Bil)	0.3
First Trading Date	03/04/1998
Distance from 52W High	0.0%
	50 Days	200 Days
DMA Price	$30.33	$28.17
DMA Trend	up	up
Distance from DMA	6.0%	14.1%
	3M	1YR
Volatility	28.9%	26.5%
Downside Capture	2.67	39.46
Upside Capture	49.43	62.16
Correlation (SPY)	11.8%	23.1%

NWFL Betas & Captures as of 5/31/2026

	1M	2M	3M	6M	1Y	3Y
Beta	0.84	0.82	0.39	0.46	0.59	0.70
Up Beta	0.70	0.85	0.34	0.47	0.83	0.67
Down Beta	2.62	2.15	0.36	0.39	0.35	0.69
Up Capture	54%	40%	40%	45%	51%	41%
Bmk +ve Days	13	28	36	67	141	432
Stock +ve Days	12	25	35	64	124	367
Down Capture	40%	100%	42%	48%	63%	89%
Bmk -ve Days	7	13	27	57	109	318
Stock -ve Days	8	15	27	59	124	381

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively

Based On 1-Year Data

	Annualized Return	Annualized Volatility	Sharpe Ratio	Correlation with NWFL
NWFL	30.7%	26.5%	0.98	-
Sector ETF (XLF)	6.2%	14.7%	0.20	41.6%
Equity (SPY)	24.9%	12.3%	1.52	23.0%
Gold (GLD)	25.5%	27.4%	0.81	-10.5%
Commodities (DBC)	30.1%	19.0%	1.25	-23.7%
Real Estate (VNQ)	13.5%	13.5%	0.69	35.3%
Bitcoin (BTCUSD)	-41.7%	42.2%	-1.16	10.6%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Based On 5-Year Data

	Annualized Return	Annualized Volatility	Sharpe Ratio	Correlation with NWFL
NWFL	9.7%	32.6%	0.34	-
Sector ETF (XLF)	8.8%	18.6%	0.35	32.4%
Equity (SPY)	13.5%	17.1%	0.61	23.0%
Gold (GLD)	16.8%	18.2%	0.75	-1.6%
Commodities (DBC)	8.4%	19.4%	0.33	3.8%
Real Estate (VNQ)	2.8%	18.8%	0.05	28.6%
Bitcoin (BTCUSD)	13.6%	54.4%	0.44	8.6%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Based On 10-Year Data

	Annualized Return	Annualized Volatility	Sharpe Ratio	Correlation with NWFL
NWFL	14.3%	40.5%	0.45	-
Sector ETF (XLF)	12.9%	22.2%	0.53	40.4%
Equity (SPY)	15.3%	17.9%	0.73	31.4%
Gold (GLD)	12.5%	16.1%	0.64	-4.3%
Commodities (DBC)	6.7%	18.0%	0.29	11.5%
Real Estate (VNQ)	5.7%	20.7%	0.24	31.8%
Bitcoin (BTCUSD)	60.3%	66.8%	1.00	9.5%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Short Interest

Short Interest: As Of Date	5292026
Short Interest: Shares Quantity	0.1 Mil
Short Interest: % Change Since 5152026	4.7%
Average Daily Volume	0.0 Mil
Days-to-Cover Short Interest	5.1 days
Basic Shares Quantity	10.8 Mil
Short % of Basic Shares	0.8%

Returns Analyses

	Title
0	Would You Still Hold Norwood Financial Stock If It Fell 30%?

Earnings Returns History

Updated 6/2/2026

Expand for More

	Forward Returns
Earnings Date	1D Returns	5D Returns	21D Returns
4/27/2026	-5.3%	0.0%	-0.5%
1/22/2026	-2.0%	-3.3%	6.4%
10/22/2025	6.8%	8.5%	9.0%
7/23/2025	1.2%	-0.1%	2.2%
4/17/2025	2.5%	10.0%	17.0%
1/28/2025	-1.2%	1.4%	-2.6%
10/28/2024	1.0%	9.5%	15.5%
7/26/2024	0.0%	-5.4%	-8.5%
...
SUMMARY STATS
# Positive	14	14	16
# Negative	10	10	8
Median Positive	1.4%	3.3%	5.8%
Median Negative	-1.7%	-3.1%	-7.8%
Max Positive	6.8%	10.0%	17.0%
Max Negative	-5.3%	-9.4%	-10.4%

	Forward Returns
4/27/2026	-5.3%	0.0%	-0.5%
1/22/2026	-2.0%	-3.3%	6.4%
10/22/2025	6.8%	8.5%	9.0%
7/23/2025	1.2%	-0.1%	2.2%
4/17/2025	2.5%	10.0%	17.0%
1/28/2025	-1.2%	1.4%	-2.6%
10/28/2024	1.0%	9.5%	15.5%
7/26/2024	0.0%	-5.4%	-8.5%
4/22/2024	1.3%	0.3%	2.0%
1/29/2024	-5.0%	-2.2%	-10.4%
10/24/2023	-3.9%	-3.5%	6.6%
7/26/2023	0.7%	9.3%	-10.4%
4/21/2023	-0.6%	-0.5%	-7.1%
1/27/2023	-0.4%	-0.2%	-0.5%
10/26/2022	1.4%	5.7%	14.8%
7/22/2022	3.9%	3.3%	6.1%
4/18/2022	-1.4%	1.7%	-9.7%
1/28/2022	0.6%	3.2%	2.6%
10/26/2021	2.2%	5.0%	5.5%
7/23/2021	1.5%	2.1%	2.4%
4/23/2021	1.6%	3.2%	0.9%
1/27/2021	-2.5%	-3.0%	2.0%
10/23/2020	0.6%	-6.1%	8.8%
7/22/2020	-1.4%	-9.4%	1.1%
SUMMARY STATS
# Positive	14	14	16
# Negative	10	10	8
Median Positive	1.4%	3.3%	5.8%
Median Negative	-1.7%	-3.1%	-7.8%
Max Positive	6.8%	10.0%	17.0%
Max Negative	-5.3%	-9.4%	-10.4%

SEC Filings

Expand for More

Report Date	Filing Date	Filing
03/31/2026	05/08/2026	10-Q
12/31/2025	03/13/2026	10-K
09/30/2025	11/07/2025	10-Q
06/30/2025	08/08/2025	10-Q
03/31/2025	05/09/2025	10-Q
12/31/2024	03/14/2025	10-K
09/30/2024	11/07/2024	10-Q
06/30/2024	08/08/2024	10-Q
03/31/2024	05/09/2024	10-Q
12/31/2023	03/14/2024	10-K
09/30/2023	11/14/2023	10-Q
06/30/2023	08/11/2023	10-Q
03/31/2023	05/12/2023	10-Q
12/31/2022	03/17/2023	10-K
09/30/2022	11/10/2022	10-Q
06/30/2022	08/12/2022	10-Q

Recent Forward Guidance

Updated 6/1/2026

Latest: Q1 2026 Earnings Reported 4/27/2026

null

Prior: Q4 2025 Earnings Reported 1/22/2026

null

Insider Activity

Updated 6/11/2026

Expand for More

#	Owner	Holding	Action	Filing Date	Price	Shares	Transacted Value	Value of Held Shares	Form
1	Schmalzle, Ronald R	IRA	Buy	5272026	30.19	700	21,133	820,202	Form
2	Forte, Andrew	IRA	Buy	5132026	29.58	270	7,987	225,518	Form
3	Carroll, Joseph W	Direct	Buy	5062026	29.45	100	2,945	1,228,005	Form
4	Carroll, Joseph W	IRA	Buy	5062026	29.45	196	5,772	32,395	Form
5	Carroll, Joseph W	Sposue IRA	Buy	5062026	29.45	376	11,073	32,394	Form

NWFL Trade Sentinel

Stock Conviction

null

CONVICTION RATIONALE

null

STOCK ARCHETYPE

null

Looking for high-conviction positions with a better risk/reward profile? See what's currently in the Trefis High Quality Portfolio.

INVESTMENT THESIS

null

Mechanism: null

Supporting Evidence:

PRIMARY RISK

null

Mechanism: null

Supporting Evidence:

Key KPI Watchlist

KPI	Threshold	Rationale

Core Investment Debate

BULL VIEW

CORE TENSION

PREVAILING SENTIMENT

BEAR VIEW

Next 6 months: Risks and Catalysts

Timeline	Event & Metric To Watch

Key Events in Last 6 Months

Date	Event	Stock Impact

Risk Management

Position Sizing

Diversification Alternatives

How Is The Market Pricing NWFL?

What will confirm the thesis

What will damage the thesis

Noise: Real but irrelevant to thesis

Repricing Catalyst

What NWFL Makes & Who Pays

TTM figures based on

NWFL Evolution: Price Return by Era

① Structure

② Volume / Momentum

③ Catalyst

Combined Score

0 / 12

1 Price Structure & Trend · ▾

2 Momentum ▾

3 Relative Strength vs. SPY ▾

4 Institutional Footprint & Volume ▾

5 Volatility ▾

6 Key Price Levels Range · Vol ▾

7 Earnings Reaction History ▾

8 How the Verdict Is Derived Three Pillars ▾

Pillar	Score
① Structure	0
② Vol / Mom	0
③ Catalyst	0

ℹ Bull Pillars: 0 · Bear Pillars: 0 · Combined Score: 0 →

Industry Resources

Financials Resources

Federal Reserve Economic Data

Regional Banks Resources

Bank Director

Independent Banker

S&P Global Market Intelligence

External Quote Links

0	Y Finance	Barrons
1	TradingView	Morningstar
2	SeekingAlpha	ValueLine
3	Motley Fool	Robinhood
4	CNBC	Etrade
5	MarketWatch	Unusual Whales
6	YCharts	Perplexity Finance
7	FinViz

Prefer one of these to Trefis? Tell us why.

Core Cache Last Updated: 6/14/2026

Norwood Financial (NWFL)

Market Price (6/15/2026): $32.29 | Market Cap: $347.7 MilSector: Financials | Industry: Regional Banks

Norwood Financial (NWFL)

Market Price (6/15/2026): $32.29Market Cap: $347.7 MilSector: FinancialsIndustry: Regional Banks

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

Valuation & Metrics

Price Chart

Why The Stock Moved

Qualitative Assessment

Stock Movement Drivers

Fundamental Drivers

Market Drivers

Fundamental Drivers

Market Drivers

Fundamental Drivers

Market Drivers

Fundamental Drivers

Market Drivers

Return vs. Risk

Price Returns Compared

How Low Can It Go

In The Past

Preserve Wealth

Asset Allocation

In The Past

Preserve Wealth

Asset Allocation

About Norwood Financial (NWFL)

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Market Price (6/15/2026): $32.29
Market Cap: $347.7 Mil
Sector: Financials
Industry: Regional Banks