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Upturn AI Summary - About
Norwood Financial Corp(NWFL)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for NWFL
10/26/2026: NWFL (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Norwood Financial Corp is a regional bank holding company that provides commercial and retail banking services, primarily through its subsidiary, Wayne Bank. The company has a solid reputation for its conservative lending standards and deep-rooted relationships in its Pennsylvania and New York markets, making it a reliable option for dividend-focused and value-oriented investors. Its primary growth opportunity lies in regional expansion and enhanced digital offerings, while key risks involve geographic concentration and intense competition for deposits that can impact interest margins. Investors should monitor loan portfolio quality and the company’s ability to manage costs in an evolving interest rate environment.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company offers moderate, steady growth rather than the high-growth profile typical of growth-focused investment strategies. |
| Momentum investor | Weak fit | The stock typically exhibits lower volatility and lacks the aggressive upward price movement sought by momentum traders. |
| Value investor | Strong fit | Investors seeking stable, reasonably priced financial assets often find value in community banks like NWFL. |
| Dividend investor | Strong fit | The company's commitment to returning capital through regular dividends makes it a potential candidate for income-focused portfolios. |
| Low-risk investor | Strong fit | Its conservative business model and established market niche present a relatively lower-risk profile than national money-center banks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Low | The stock's limited liquidity and regional focus contribute to a more stable, albeit less liquid, price profile. |
| Valuation risk | Medium | Valuations are closely tied to interest rate expectations, which can lead to rapid adjustments in price multiples. |
| Competition risk (regional banking competition) | Medium / high | Intense competition for deposits and lending business from larger banks and digital players puts constant pressure on margins. |
| Business quality | Strong | The bank maintains a solid reputation and conservative lending standards, providing a stable foundation for long-term operations. |
| Dividend income | Low | Dividends are generally reliable, but are subject to bank earnings performance and regulatory capital requirements. |
| Execution risk | Medium | Successfully integrating future acquisitions and managing digital transformation requires effective management execution. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -34.9% | Avg. Invested days 31 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/26/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 379.07M USD | Price to earnings Ratio 12.03 | 1Y Target Price 36.5 |
Price to earnings Ratio 12.03 | 1Y Target Price 36.5 | ||
Volume (30-day avg) 45.5K shares | Beta 0.55 | 52 Weeks Range 24.46 - 35.14 | Updated Date 10/25/2026 |
52 Weeks Range 24.46 - 35.14 | Updated Date 10/25/2026 | ||
Dividends yield (FY) 3.67% | Basic EPS (TTM) 2.89 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and retail loans minus interest paid on deposits. | This is the core profit driver, dependent on the gap between interest income and interest expenses. |
| Non-Interest Income | Trust service fees, service charges on deposit accounts, and other financial fees. | This provides diversified income beyond traditional lending, buffering against interest rate cycles. |
| Geography | Northeastern Pennsylvania and the Southern Tier of New York. | Performance is highly dependent on the economic health and employment levels in these specific regions. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-27 | When Before Market | Estimate 0.94 | Actual - |
Profitability
Profit Margin 28.93% | Operating Margin (TTM) 44.88% |
Management Effectiveness
Return on Assets (TTM) 1.09% | Return on Equity (TTM) 11.2% |
Valuation
Trailing PE 12.03 | Forward PE 10.31 | Enterprise Value 382.29M | Price to Sales(TTM) 3.8 |
Enterprise Value 382.29M | Price to Sales(TTM) 3.8 | ||
Enterprise Value to Revenue 4.29 | Enterprise Value to EBITDA - | Shares Outstanding 10.90M | Shares Floating 9.82M |
Shares Outstanding 10.90M | Shares Floating 9.82M | ||
Percent Insiders 8.16 | Percent Institutions 42.89 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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