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Upturn AI Summary - About
Norwood Financial Corp(NWFL)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for NWFL
10/12/2026: NWFL (2-star) is currently NOT-A-BUY. Pass it for now.
Norwood Financial Corp is a long-standing regional bank holding company centered on community-based commercial and consumer lending. Its primary business strengths include a stable, loyal deposit base and a conservative underwriting approach that has fostered historical stability. The main growth story revolves around regional expansion and potential selective acquisitions within its Pennsylvania and New York footprint. Key risks include intense competition from larger banks, concentration risk in specific regional markets, and sensitivity to interest rate fluctuations. It is best suited for income-oriented value investors seeking stability, though participants should monitor deposit cost trends and regulatory developments that could impact small-cap bank profitability.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company operates in a mature industry with low growth potential. |
| Momentum investor | Weak fit | Regional bank stocks typically lack the volatility profile sought by momentum investors. |
| Value investor | Strong fit | The stock often trades at multiples consistent with regional bank book values. |
| Dividend investor | Strong fit | Consistent dividend payouts make this a suitable choice for income-focused portfolios. |
| Low-risk investor | Strong fit | The conservative community banking model generally exhibits lower beta than the broader market. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks can fluctuate based on interest rate sentiment. |
| Valuation risk | Low | Valuations are generally tied to book value and earnings stability. |
| Competition risk (regional banking) | High | Smaller banks face immense pressure from larger players with better technology. |
| Business quality | Medium | The bank relies heavily on regional economic health. |
| Dividend income | Medium | Dividends are subject to capital requirement regulations. |
| Execution risk | Medium | Successfully integrating acquisitions is key to long-term scale. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -34.84% | Avg. Invested days 34 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/12/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 365.55M USD | Price to earnings Ratio 11.6 | 1Y Target Price 36.5 |
Price to earnings Ratio 11.6 | 1Y Target Price 36.5 | ||
Volume (30-day avg) 33.5K shares | Beta 0.55 | 52 Weeks Range 23.07 - 35.48 | Updated Date 10/11/2026 |
52 Weeks Range 23.07 - 35.48 | Updated Date 10/11/2026 | ||
Dividends yield (FY) 3.75% | Basic EPS (TTM) 2.89 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans minus interest paid on deposits. | The bank makes money on the spread between what it charges borrowers and what it pays savers. |
| Non-Interest Income | Service fees, wealth management fees, and mortgage banking income. | The bank generates revenue through fees from customer services and financial management. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 11.6 | Forward PE 10.31 | Enterprise Value 372.53M | Price to Sales(TTM) 3.67 |
Enterprise Value 372.53M | Price to Sales(TTM) 3.67 | ||
Enterprise Value to Revenue 4.18 | Enterprise Value to EBITDA - | Shares Outstanding 10.90M | Shares Floating 9.82M |
Shares Outstanding 10.90M | Shares Floating 9.82M | ||
Percent Insiders 8.15 | Percent Institutions 42.91 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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