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Upturn AI SWOT - About
NWFL 
Norwood Financial Corp (NWFL)
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Upturn Advisory Summary
09/12/2025: 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 -31.18% | Avg. Invested days 29 | 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 09/12/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 245.34M USD | Price to earnings Ratio 126.14 | 1Y Target Price 26.5 |
Price to earnings Ratio 126.14 | 1Y Target Price 26.5 | ||
Volume (30-day avg) 3 | Beta 0.71 | 52 Weeks Range 20.70 - 33.22 | Updated Date 09/14/2025 |
52 Weeks Range 20.70 - 33.22 | Updated Date 09/14/2025 | ||
Dividends yield (FY) 4.58% | 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 126.14 | Forward PE - | Enterprise Value 302762496 | Price to Sales(TTM) 4.55 |
Enterprise Value 302762496 | Price to Sales(TTM) 4.55 | ||
Enterprise Value to Revenue 6.08 | 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 1903. Through organic growth and strategic acquisitions, it has evolved into a financial services provider offering banking and wealth management services in Northeastern Pennsylvania.
Core Business Areas
- Community Banking: Offers a range of deposit accounts, loans (commercial, residential, consumer), and other banking services to individuals and businesses.
- Wealth Management: Provides financial planning, investment management, and trust services.
Leadership and Structure
The leadership team includes the CEO, CFO, and other key executives. The organizational structure consists of various departments focused on different aspects of banking and wealth management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for working capital, equipment, or real estate. Market share data is not publicly available. Competitors: Large national banks, regional banks, credit unions.
- Residential Mortgages: Loans to individuals for purchasing or refinancing homes. Market share data is not publicly available. Competitors: National mortgage lenders, regional banks, credit unions.
- Deposit Accounts: Checking, savings, and money market accounts. Market share data is not publicly available. Competitors: Other banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes, interest rate fluctuations, and economic conditions.
Positioning
Norwood Financial Corp is a community bank focused on serving the needs of individuals and businesses in its local market. Its competitive advantage lies in its personalized service and local expertise.
Total Addressable Market (TAM)
TAM includes all banking and wealth management services in Northeastern Pennsylvania. Norwood Financial Corp's position within the TAM is based on its market share within its operational footprint and its niche in that area
Upturn SWOT Analysis
Strengths
- Strong local presence
- Customer relationships
- Experienced management team
- Solid asset quality
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger banks
- Reliance on net interest income
- Funding pressures in rising rate environments
Opportunities
- Expansion into new markets
- Acquisitions of smaller banks
- Growth in wealth management business
- Adoption of new technologies
Threats
- Increased competition from larger banks
- Regulatory changes
- Economic downturns
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- FULT
- HFWA
- PBHC
Competitive Landscape
Norwood Financial Corp competes with larger regional and national banks, as well as other community banks. Its advantages include its local focus and customer service, while its disadvantages include its smaller scale and limited geographic diversification.
Growth Trajectory and Initiatives
Historical Growth: Data is not readily available within public datasets
Future Projections: Data is not readily available within public datasets
Recent Initiatives: Data is not readily available within public datasets
Summary
Norwood Financial Corp is a community bank with a solid local presence but faces competition from larger institutions. Strengths lie in customer relationships, while weaknesses include limited geographic diversification. Opportunities include expansion and growth in wealth management, but threats involve regulatory changes and economic downturns.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings, Company Website, Market Research Reports
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Market share data is estimated based on available information and may not be precise.
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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