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Upturn AI SWOT - About
NWFL 
Norwood Financial Corp (NWFL)
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Upturn Advisory Summary
08/28/2025: 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 $26.5
1 Year Target Price $26.5
| 1 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -29.93% | 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 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 250.62M USD | Price to earnings Ratio 128.86 | 1Y Target Price 26.5 |
Price to earnings Ratio 128.86 | 1Y Target Price 26.5 | ||
Volume (30-day avg) 3 | Beta 0.69 | 52 Weeks Range 20.70 - 33.22 | Updated Date 08/29/2025 |
52 Weeks Range 20.70 - 33.22 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 4.56% | Basic EPS (TTM) 0.21 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 5.88% | Operating Margin (TTM) 40.95% |
Management Effectiveness
Return on Assets (TTM) 0.14% | Return on Equity (TTM) 1.56% |
Valuation
Trailing PE 128.86 | Forward PE - | Enterprise Value 308011840 | Price to Sales(TTM) 4.64 |
Enterprise Value 308011840 | Price to Sales(TTM) 4.64 | ||
Enterprise Value to Revenue 6.16 | Enterprise Value to EBITDA - | Shares Outstanding 9261580 | Shares Floating 8416579 |
Shares Outstanding 9261580 | Shares Floating 8416579 | ||
Percent Insiders 8.33 | Percent Institutions 37.98 |
Upturn AI SWOT
Norwood Financial Corp
Company Overview
History and Background
Norwood Financial Corp. was founded in 1884. It operates as the holding company for Wayne Bank. The bank has grown through acquisitions and organic growth, focusing on community banking in Northeastern Pennsylvania and the Southern Tier of New York.
Core Business Areas
- Community Banking: Provides a range of banking services, including deposit accounts, loans (commercial, residential, and consumer), and wealth management services to individuals, businesses, and municipalities.
- Wealth Management: Offers financial planning, investment management, trust, and brokerage services.
Leadership and Structure
The company is led by a board of directors and an executive management team. Lewis J. Critelli serves as the President and CEO. The organizational structure is typical of a community bank holding company.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including equipment financing, working capital, and real estate. Market share data is not publicly available. Competitors include larger regional and national banks.
- Residential Mortgages: Mortgage loans for home purchases and refinances. Market share data is not publicly available. Competitors include national mortgage lenders and other regional banks.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share data is not publicly available. Competitors include other local banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes and interest rate fluctuations. Community banks face competition from larger institutions and fintech companies.
Positioning
Norwood Financial Corp. is positioned as a community bank focused on personalized service and local market expertise. Its competitive advantages lie in its established relationships and local knowledge.
Total Addressable Market (TAM)
The TAM for banking services in Northeastern Pennsylvania and the Southern Tier of New York is estimated to be in the billions. Norwood Financial Corp.'s market share is a small percentage of this total market. Market share is about 1-2%.
Upturn SWOT Analysis
Strengths
- Strong local presence and customer relationships
- Experienced management team
- Solid asset quality
- Consistent profitability
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger banks
- Reliance on traditional banking model
- Limited technology adoption
Opportunities
- Expansion into new markets within the region
- Increased adoption of digital banking services
- Growing demand for wealth management services
- Strategic acquisitions of smaller institutions
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- FULT
- WTFC
- CNBKA
Competitive Landscape
Norwood Financial Corp faces significant competition from larger regional and national banks, as well as other community banks in its market area. Its advantages include its local presence and customer relationships, while its disadvantages include its smaller scale and limited resources.
Growth Trajectory and Initiatives
Historical Growth: Historical growth requires up-to-date financial data.
Future Projections: Future projections require up-to-date financial data.
Recent Initiatives: Recent initiatives require up-to-date financial data.
Summary
Norwood Financial Corp is a community bank that has a focused geographic area and an established reputation. Its strengths lie in the local market knowledge and strong customer relationships, resulting in consistent profits. It needs to be careful about the increasing competition from larger banks as well as innovative Fintech companies, which it may address by increasing tech investment and looking for acquisition opportunities.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website, publicly available financial reports, industry reports, and analyst estimates (where applicable and available)
Disclaimers:
This analysis is based on available information and is not financial advice. Market conditions and company performance can change.
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://wayne.bank |
Full time employees 264 | Website https://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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