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Upturn AI SWOT - About
NWFL 
Norwood Financial Corp (NWFL)
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Upturn Advisory Summary
11/05/2025: NWFL (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $28
1 Year Target Price $28
| 1 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -33.05% | Avg. Invested days 28 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/05/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 246.73M USD | Price to earnings Ratio 40.98 | 1Y Target Price 28 |
Price to earnings Ratio 40.98 | 1Y Target Price 28 | ||
Volume (30-day avg) 3 | Beta 0.6 | 52 Weeks Range 20.45 - 30.91 | Updated Date 11/8/2025 |
52 Weeks Range 20.45 - 30.91 | Updated Date 11/8/2025 | ||
Dividends yield (FY) 4.64% | Basic EPS (TTM) 0.65 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-28 | When - | Estimate 0.69 | Actual 0.89 |
Profitability
Profit Margin 12.66% | Operating Margin (TTM) 46.5% |
Management Effectiveness
Return on Assets (TTM) 0.33% | Return on Equity (TTM) 3.56% |
Valuation
Trailing PE 40.98 | Forward PE - | Enterprise Value 242699872 | Price to Sales(TTM) 4.08 |
Enterprise Value 242699872 | Price to Sales(TTM) 4.08 | ||
Enterprise Value to Revenue 5.87 | Enterprise Value to EBITDA - | Shares Outstanding 9261575 | Shares Floating 8409804 |
Shares Outstanding 9261575 | Shares Floating 8409804 | ||
Percent Insiders 8.2 | Percent Institutions 39.84 |
Upturn AI SWOT
Norwood Financial Corp
Company Overview
History and Background
Norwood Financial Corp was founded in 1903 and operates as the bank holding company for Wayne Bank. It has grown through organic expansion and strategic acquisitions, focusing on community banking in northeastern Pennsylvania and southern New York.
Core Business Areas
- Commercial Lending: Provides a range of loan products to businesses, including commercial real estate, term loans, and lines of credit.
- Retail Banking: Offers deposit accounts, mortgages, personal loans, and other retail banking services to individuals and families.
- Wealth Management: Provides investment advisory services and trust services to individuals and institutions.
Leadership and Structure
Lewis J. Critelli serves as the President and CEO. The company operates with a traditional bank holding company structure, with a board of directors overseeing management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. Market share data is not publicly available at a granular level for specific loan types. Competitors include regional and national banks like PNC, M&T Bank, and local credit unions. Revenue from this loan type is a significant contributor, but specific figures are not publicly disclosed.
- Residential Mortgages: Loans for purchasing or refinancing homes. Market share is regional, with Wayne Bank competing with national lenders. Revenue from residential mortgages contributes significantly. Competitors include national lenders such as Wells Fargo and Chase. Local credit unions are also significant competitors.
- Deposit Accounts: Checking, savings, and money market accounts. Market share is primarily regional. Competitors include national banks. Revenue is generated through fees and interest rate differentials.
Market Dynamics
Industry Overview
The banking industry is currently navigating a challenging environment with rising interest rates, increased regulatory scrutiny, and technological disruption. Community banks face competition from larger institutions and fintech companies.
Positioning
Norwood Financial Corp positions itself as a community-focused bank, emphasizing personalized service and local expertise. Its competitive advantages include strong customer relationships and knowledge of the local market.
Total Addressable Market (TAM)
The TAM for community banking in northeastern Pennsylvania and southern New York is estimated to be in the billions of dollars. Norwood Financial Corp is positioned to capture a portion of this market through its established presence and customer relationships.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Local market expertise
- Experienced management team
- Stable deposit base
Weaknesses
- Limited geographic footprint
- Dependence on net interest income
- Smaller scale compared to larger banks
- Vulnerability to regional economic downturns
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Acquisition of smaller community banks
- Growth in wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Increased regulatory burden
Competitors and Market Share
Key Competitors
- PNC (PNC)
- M&T Bank (MTB)
- Fulton Financial (FULT)
Competitive Landscape
Norwood Financial Corp competes with larger regional and national banks. Its advantages include local market expertise and personalized service. Its disadvantages include smaller scale and limited geographic footprint.
Major Acquisitions
Elk Lake Corp
- Year: 2017
- Acquisition Price (USD millions): 26.6
- Strategic Rationale: Expand market presence in Northeastern Pennsylvania and improve deposit gathering.
Growth Trajectory and Initiatives
Historical Growth: Norwood Financial Corp has experienced moderate growth in recent years, driven by organic expansion and acquisitions.
Future Projections: Analysts project continued growth in revenue and earnings over the next few years, driven by loan growth and fee income.
Recent Initiatives: Recent initiatives include investments in digital banking technology and expansion into new markets.
Summary
Norwood Financial Corp is a stable community bank with a solid track record and strong customer relationships. The company has experienced moderate growth and pays consistent dividends. However, it faces increasing competition from larger banks and fintech companies and needs to continue to adapt to the changing financial landscape. Geographic footprint remains limited. Future focus should be on technology and strategic partnerships.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Data may be outdated and incomplete. Conduct thorough due diligence before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Norwood Financial Corp
Exchange NASDAQ | Headquaters Honesdale, PA, United States | ||
IPO Launch date 1998-03-02 | President, CEO & Director Mr. James O. Donnelly | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 264 | Website https://ir.wayne.bank |
Full time employees 264 | Website https://ir.wayne.bank | ||
Norwood Financial Corp. operates as the bank holding company for Wayne Bank that provides various banking products and services in the United States. The company offers deposit products, including interest-bearing and non-interest-bearing transaction, statement savings, and money market accounts, as well as certificate of deposits. Its commercial loans include 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; construction financing; land and 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; personal and business credit services; trust and investment products; and cash management, direct deposit, remote deposit capture, mobile deposit capture, 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 automated teller machines and branches in Northeastern Pennsylvania; and in New York counties of Delaware, Sullivan, Ontario, Otsego, and Yates. The company was founded in 1870 and is based in Honesdale, Pennsylvania.
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