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NWFL 
Norwood Financial Corp (NWFL)
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Upturn Advisory Summary
12/29/2025: 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 -28.27% | Avg. Invested days 32 | 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 12/29/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 265.33M USD | Price to earnings Ratio 44.06 | 1Y Target Price 28 |
Price to earnings Ratio 44.06 | 1Y Target Price 28 | ||
Volume (30-day avg) 3 | Beta 0.59 | 52 Weeks Range 20.45 - 30.59 | Updated Date 12/29/2025 |
52 Weeks Range 20.45 - 30.59 | Updated Date 12/29/2025 | ||
Dividends yield (FY) 4.37% | Basic EPS (TTM) 0.65 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
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 44.06 | Forward PE - | Enterprise Value 258806576 | Price to Sales(TTM) 4.38 |
Enterprise Value 258806576 | Price to Sales(TTM) 4.38 | ||
Enterprise Value to Revenue 5.28 | Enterprise Value to EBITDA - | Shares Outstanding 9264200 | Shares Floating 8384409 |
Shares Outstanding 9264200 | Shares Floating 8384409 | ||
Percent Insiders 8.19 | Percent Institutions 41.53 |
Upturn AI SWOT
Norwood Financial Corp
Company Overview
History and Background
Norwood Financial Corp. (NWFL) is a bank holding company headquartered in Norwood, New Jersey. It was founded in 1927 as Norwood National Bank. Over its history, it has focused on serving the financial needs of individuals, families, and businesses in its local community. A significant milestone was its transition to a holding company structure, allowing for greater flexibility and potential for expansion. The company has maintained a consistent focus on community banking principles.
Core Business Areas
- Community Banking: Provides a range of deposit products (checking, savings, money market accounts, certificates of deposit) and lending services (commercial loans, residential mortgages, home equity lines of credit, consumer loans) to individuals and businesses primarily in its geographic service area. This is the primary revenue driver for the company.
- Wealth Management Services: Offers financial planning, investment management, and trust services through its wealth management division, aiming to provide comprehensive financial solutions to its clients.
Leadership and Structure
Norwood Financial Corp. operates under a traditional corporate structure with a Board of Directors overseeing management. Key leadership positions typically include a Chief Executive Officer (CEO), Chief Financial Officer (CFO), and heads of various operational divisions such as lending and wealth management. Specific names and detailed organizational charts are best found in their latest annual reports or investor relations materials.
Top Products and Market Share
Key Offerings
- Checking and Savings Accounts: Standard deposit accounts offering liquidity and interest. Competitors include large national banks, other regional banks, and credit unions. Market share data specific to this product for NWFL is not publicly disclosed but is integral to its core banking operations.
- Commercial Loans: Financing for businesses, including term loans, lines of credit, and real estate financing. Competitors include other community banks, regional banks, and specialized commercial lenders. Specific market share data is not readily available but is a critical segment for growth.
- Residential Mortgages: Home purchase and refinance loans. Competitors are national mortgage lenders, other local banks, and credit unions. NWFL aims to capture local market share through personalized service.
Market Dynamics
Industry Overview
The community banking sector in the US operates within a highly regulated and competitive environment. Key trends include digital transformation, increasing demand for personalized services, rising interest rates affecting lending and deposit costs, and consolidation within the industry. Community banks often differentiate themselves through strong local relationships and tailored customer service.
Positioning
Norwood Financial Corp. positions itself as a trusted community bank, emphasizing personalized service, local decision-making, and a deep understanding of its customer base. Its competitive advantage lies in its long-standing presence and relationships within its service area, allowing it to cater to the specific needs of local individuals and businesses, often with more flexibility than larger institutions.
Total Addressable Market (TAM)
The TAM for community banking is substantial, encompassing all individuals and businesses seeking financial services. For Norwood Financial Corp, its immediate TAM is defined by its geographic footprint. It is well-positioned within its local market to capture a significant share of this localized TAM, though the overall US banking TAM is dominated by larger national and international institutions.
Upturn SWOT Analysis
Strengths
- Strong local presence and brand recognition within its service area.
- Personalized customer service and relationship-based banking approach.
- Experienced management team with deep knowledge of the local market.
- Stable and loyal customer base.
- Diversified revenue streams from both traditional lending and wealth management.
Weaknesses
- Limited geographic reach compared to larger regional or national banks.
- Potentially slower adoption of cutting-edge digital banking technologies compared to larger competitors.
- Susceptibility to local economic downturns.
- Smaller scale can limit purchasing power for technology and marketing.
Opportunities
- Expansion into adjacent geographic markets through organic growth or acquisitions.
- Leveraging technology to enhance digital offerings and customer experience.
- Growing demand for specialized wealth management and financial advisory services.
- Potential for strategic partnerships with fintech companies.
- Capitalizing on dissatisfaction with larger banks' impersonal service.
Threats
- Increased competition from larger banks, credit unions, and fintech companies.
- Changes in interest rate environments impacting net interest margins.
- Cybersecurity risks and data breaches.
- Regulatory changes and compliance costs.
- Economic recessions or local market disruptions.
Competitors and Market Share
Key Competitors
- OceanFirst Financial Corp. (OCFC)
- Investors Bancorp, Inc. (ISBC) (Acquired by First Horizon)
- Provident Financial Services, Inc. (PFS) (Merged with Lakeland Bancorp)
Competitive Landscape
Norwood Financial Corp. competes in a fragmented market with larger regional banks and a multitude of other community banks. Its advantages lie in its deep local ties and personalized service, which larger institutions may struggle to replicate. However, it faces challenges in terms of scale, technological investment, and breadth of product offerings compared to its larger rivals.
Growth Trajectory and Initiatives
Historical Growth: Norwood Financial Corp. has likely experienced steady, albeit moderate, historical growth, primarily driven by organic expansion of its loan portfolio and deposit base within its established markets. Growth may have been punctuated by economic cycles.
Future Projections: Future growth projections for Norwood Financial Corp. would be influenced by its strategic initiatives, the broader economic environment, and the competitive landscape. Analyst estimates, if available, would provide insights into expected revenue and earnings growth. Focus areas could include continued loan growth, expansion of wealth management services, and potential technology investments.
Recent Initiatives: Recent initiatives might involve enhancing digital banking capabilities, introducing new loan products tailored to current market demands, or expanding branch services. Strategic partnerships or targeted marketing campaigns to attract new customer segments are also possible initiatives.
Summary
Norwood Financial Corp. is a well-established community bank with a strong local presence and a loyal customer base, supported by personalized service. Its core banking and wealth management services provide a stable foundation. While it faces challenges from larger competitors and evolving digital demands, opportunities exist in targeted growth and enhancing digital offerings. Continued focus on its core strengths while strategically adapting to market changes will be key to its sustained success.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company's official SEC filings (10-K, 10-Q)
- Financial data providers (e.g., Yahoo Finance, Google Finance, Bloomberg - for general market data and historical trends)
- Industry analysis reports (general trends)
Disclaimers:
This analysis is based on publicly available information and general industry knowledge. Financial data and market share figures are estimates and may vary depending on the source and reporting period. This information is for informational purposes only and should not be considered investment advice. Investors should conduct their own 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://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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