NORWOOD FINANCIAL CORP
NWFLNasdaq
$31.33
↓ -1.7%Jul 17 close · end-of-day
Price
1Y↑ +32.5%
End-of-day closes; the latest point is the live 15-min-delayed price · split & dividend adjusted · chart by TradingView
Key statistics
Market Cap
$337.6M
Enterprise Value
$337.6M
P/E
11.5
P/S
40.7
P/B
1.2
EV/EBITDA
—
PEG
—
FCF Yield
7.9%
Dividend Yield
4.0%
Revenue (TTM)
$8.3M
Net Income (TTM)
$25.7M
Free Cash Flow (TTM)
$26.6M
Gross Margin
—
Operating Margin
—
Net Margin
309.9%
ROE
9.1%
ROIC
—
Debt / Equity
—
Net Cash
—
Return 1Y
+32.6%
Company profile
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. 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.
- CEO
- James O. Donnelly
- Sector
- Finance, Insurance, And Real Estate
- Industry
- Banking
- Employees
- 260
- Headquarters
- Pennsylvania
- Website
- wayne.bank
Management & directors
- Mccaffery John Martin JrEVP & CFO
- Donnelly James OPresident & CEO
- Carmody John FEVP & Chief Credit Officer
Roles derived from SEC Form 4 filings.
Earnings
NWFL Q1 2026 Earnings
Period ends 2026-03-31
MetricActualYoY
Revenue$2.3M↑ +15.0%
Diluted EPS$0.35↓ -44.4%
Actuals from SEC filings; YoY vs the year-ago quarter. Analyst estimates & surprise require a data feed (coming soon).
Financial statements
| Line item | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Revenue | $6.2M | $7.0M | $8.8M | $7.1M | $7.4M | $8.0M |
| Gross profit | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $15.1M | $24.9M | $29.2M | $16.8M | -$160,000.00 | $27.8M |
| Diluted EPS | $2.09 | $3.04 | $3.58 | $2.07 | -$0.02 | $3.01 |
| Operating cash flow | $13.8M | $29.2M | $30.7M | $29.8M | $22.8M | $34.0M |
| Free cash flow | $13.0M | $27.9M | $28.6M | $28.4M | $19.7M | $29.2M |
| Gross margin | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — |
| Net margin | 242.9% | 354.9% | 333.7% | 234.9% | -2.2% | 347.0% |
| Line item | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $1.9M | $1.9M | $1.9M | $2.0M | $1.9M | $2.0M | $2.1M | $2.3M |
| Gross profit | — | — | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — | — | — |
| Net income | $4.2M | $3.8M | -$12.7M | $5.8M | $6.2M | $8.3M | $7.4M | $3.7M |
| Diluted EPS | $0.52 | $0.48 | -$1.57 | $0.63 | $0.67 | $0.89 | $0.82 | $0.35 |
| Operating cash flow | $9.1M | $4.6M | $4.8M | $9.1M | $6.8M | $9.3M | $8.8M | $6.0M |
| Free cash flow | $8.6M | $4.1M | $3.3M | $8.2M | $5.1M | $8.3M | $7.7M | $5.5M |
| Gross margin | — | — | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — | — | — |
| Net margin | 224.1% | 205.1% | -654.1% | 291.7% | 332.0% | 408.1% | 352.9% | 163.9% |
Company news
Jul 16, 2026
Jul 15, 2026
Jul 10, 2026
Analyst estimates
Coming soonConsensus revenue & EPS estimates and price targets will appear here once a forward-estimates data feed is connected.
Insider transactions
BoughtSoldMonthly insider $ volume · trailing 12 months
| Date | Insider | Type | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| 2026-07-10 | FORTE ANDREW | Award | 52 | $31.88 | $1,657.76 | filing |
| 2026-07-10 | Gifford Jeffrey S | Award | 43 | $31.88 | $1,370.84 | filing |
| 2026-07-10 | Hungerford Meg L | Award | 43 | $31.88 | $1,370.84 | filing |
| 2026-07-10 | LAMONT KEVIN M | Award | 43 | $31.88 | $1,370.84 | filing |
| 2026-07-10 | Matergia Ralph A | Award | 43 | $31.88 | $1,370.84 | filing |
| 2026-07-10 | Nacinovich Marissa S | Award | 43 | $31.88 | $1,370.84 | filing |
| 2026-07-10 | Nolan Alexandra K | Award | 43 | $31.88 | $1,370.84 | filing |
| 2026-07-10 | Carroll Joseph W | Award | 43 | $31.88 | $1,370.84 | filing |
| 2026-07-10 | Andress Spencer J | Award | 43 | $31.88 | $1,370.84 | filing |
| 2026-07-10 | PHILLIPS KENNETH A | Award | 43 | $31.88 | $1,370.84 | filing |
| 2026-07-10 | Schmalzle Ronald R | Award | 43 | $31.88 | $1,370.84 | filing |
| 2026-07-10 | Shook James | Award | 43 | $31.88 | $1,370.84 | filing |
| 2026-06-10 | FORTE ANDREW | Award | 55 | $30.19 | $1,660.45 | filing |
| 2026-06-10 | PHILLIPS KENNETH A | Award | 45 | $30.19 | $1,358.55 | filing |
| 2026-06-10 | Shook James | Award | 45 | $30.19 | $1,358.55 | filing |
| 2026-06-10 | Nolan Alexandra K | Award | 45 | $30.19 | $1,358.55 | filing |
| 2026-06-10 | Nacinovich Marissa S | Award | 45 | $30.19 | $1,358.55 | filing |
| 2026-06-10 | Matergia Ralph A | Award | 45 | $30.19 | $1,358.55 | filing |
| 2026-06-10 | Schmalzle Ronald R | Award | 45 | $30.19 | $1,358.55 | filing |
| 2026-06-10 | LAMONT KEVIN M | Award | 45 | $30.19 | $1,358.55 | filing |
| 2026-06-10 | Hungerford Meg L | Award | 45 | $30.19 | $1,358.55 | filing |
| 2026-06-10 | Gifford Jeffrey S | Award | 45 | $30.19 | $1,358.55 | filing |
| 2026-06-10 | Carroll Joseph W | Award | 45 | $30.19 | $1,358.55 | filing |
| 2026-06-10 | Andress Spencer J | Award | 45 | $30.19 | $1,358.55 | filing |
| 2026-05-26 | Schmalzle Ronald R | Buy | 700 | $30.19 | $21,133.00 | filing |
Showing the latest 25 transactions — full history in the linked SEC filings.
Fundamentals & filings from SEC EDGAR. Prices adjusted for splits & dividends. Not investment advice.