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Upturn AI SWOT - About
NWFL 
Norwood Financial Corp (NWFL)
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Upturn Advisory Summary
06/30/2025: 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
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $25.5
1 Year Target Price $25.5
| 1 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -29.75% | Avg. Invested days 30 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 238.74M USD | Price to earnings Ratio 429.67 | 1Y Target Price 25.5 |
Price to earnings Ratio 429.67 | 1Y Target Price 25.5 | ||
Volume (30-day avg) 3 | Beta 0.69 | 52 Weeks Range 20.96 - 33.62 | Updated Date 06/30/2025 |
52 Weeks Range 20.96 - 33.62 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 4.78% | Basic EPS (TTM) 0.06 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 2.34% | Operating Margin (TTM) 39.85% |
Management Effectiveness
Return on Assets (TTM) 0.05% | Return on Equity (TTM) 0.59% |
Valuation
Trailing PE 429.67 | Forward PE - | Enterprise Value 280538560 | Price to Sales(TTM) 4.74 |
Enterprise Value 280538560 | Price to Sales(TTM) 4.74 | ||
Enterprise Value to Revenue 6.58 | Enterprise Value to EBITDA - | Shares Outstanding 9260520 | Shares Floating 8434961 |
Shares Outstanding 9260520 | Shares Floating 8434961 | ||
Percent Insiders 8.32 | Percent Institutions 38.7 |
Analyst Ratings
Rating 2 | Target Price 25.5 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Norwood Financial Corp
Company Overview
History and Background
Norwood Financial Corp operates as the bank holding company for Wayne Bank, which was founded in 1871. It has grown through organic expansion and strategic acquisitions.
Core Business Areas
- Community Banking: Provides a range of banking products and services to individuals, businesses, and municipalities.
- Wealth Management: Offers financial planning, investment management, and trust services.
Leadership and Structure
The leadership team consists of executive officers including the CEO, CFO, and other senior management. The organizational structure includes various departments such as lending, operations, and finance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including working capital, equipment purchases, and real estate. Wayne Bank's market share for commercial loans in its primary service area is estimated around 8-10%. Competitors include regional and national banks like PNC and Citizens.
- Market Share: 0.1
- Market Share: 0.06
- Residential Mortgages: Mortgages for home purchases and refinancing. Wayne Bank's market share is approximately 5-7% within its geographic footprint. Competitors are mortgage lenders such as Rocket Mortgage and local credit unions.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Wayne Bank competes with large national banks and online banks for deposit market share.
- Market Share: 0.08
Market Dynamics
Industry Overview
The banking industry is currently facing increased competition from fintech companies, rising interest rates, and regulatory changes. Community banks are focused on providing personalized service and local expertise.
Positioning
Norwood Financial Corp is positioned as a community bank focused on serving the needs of its local communities. Its competitive advantages include strong customer relationships and local market knowledge.
Total Addressable Market (TAM)
The total addressable market for banking services in Northeast Pennsylvania and surrounding areas is estimated to be in the billions. Norwood Financial Corp is positioned to capture a larger share of this TAM through strategic growth initiatives and enhanced customer service.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Local market knowledge
- Experienced management team
- Solid capital base
Weaknesses
- Limited geographic footprint
- Lower brand recognition compared to larger banks
- Dependence on traditional banking services
Opportunities
- Expansion into new markets
- Adoption of digital banking technologies
- Increased demand for wealth management services
- Acquisition opportunities
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- FULT (Fulton Financial Corp)
- CFR (Cullen/Frost Bankers, Inc.)
- PBHC (Pathward Financial, Inc.)
Competitive Landscape
Norwood Financial Corp competes with larger regional and national banks, as well as smaller community banks and credit unions. Its advantages include strong customer relationships and local market knowledge.
Major Acquisitions
ESSA Bancorp, Inc.
- Year: 2020
- Acquisition Price (USD millions): 178
- Strategic Rationale: Expanded market presence in the Pocono region of Pennsylvania.
Growth Trajectory and Initiatives
Historical Growth: Norwood Financial Corp has achieved steady growth through organic expansion and strategic acquisitions.
Future Projections: Analysts estimate continued revenue and earnings growth in the coming years, driven by increased lending activity and wealth management fees.
Recent Initiatives: Recent initiatives include the expansion of digital banking services and the launch of new wealth management products.
Summary
Norwood Financial Corp is a stable community bank with consistent profitability and a history of dividend payments. Its strengths lie in its local market knowledge and customer relationships, but it faces competition from larger banks and fintech companies. The company's future growth depends on its ability to adapt to changing market conditions and leverage digital banking technologies. While steady, it is still a small community bank.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q)
- Analyst reports
- Company press releases
- FDIC Data
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share estimates are approximate and based on available data.
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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