Norwood Financial Corp.
General ticker "NWFL" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $253.6M (TTM average)
Norwood Financial Corp. follows the US Stock Market performance with the rate: 43.8%.
Estimated limits based on current volatility of 1.0%: low 33.96$, high 34.63$
Factors to consider:
- Company pays dividends (quarterly): last record date 2026-07-15, amount 0.32$ (Y3.70%)
- Total employees count: 281 (+3.7%) as of 2025
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Interest rate risk, Lending risk, Liquidity and credit risks, Real estate market risks, Municipal financing risk
- Earnings for 6 months up through Q2 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [24.68$, 33.22$]
- 2026-12-31 to 2027-12-31 estimated range: [24.64$, 33.49$]
Financial Metrics affecting the NWFL estimates:
- Positive: with PPE of 9.3 at the end of fiscal year the price was neutral
- Positive: Operating profit margin, % of 26.07 > 18.77
- Positive: 6.77 < Operating cash flow per share per price, % of 13.00
- Positive: Inventory ratio change, % of 0 <= 0
- Negative: Return on assets ratio (scaled to [-100,100]) of 1.13 <= 1.88
- Positive: Industry operating cash flow per share per price (median), % of 10.78 > 10.39
- Positive: Industry operating profit margin (median), % of 24.03 > 9.99
- Positive: Industry earnings per price (median), % of 7.57 > 4.32
- Positive: Industry inventory ratio change (median), % of 0 <= 0
Short-term NWFL quotes
Long-term NWFL plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $103.66MM | $101.43MM | $136.14MM |
| Operating Expenses | $82.52MM | $101.69MM | $100.66MM |
| Operating Income | $21.15MM | $-0.26MM | $35.49MM |
| Non-Operating Income | $0.00MM | $0.00MM | $-0.47MM |
| Interest Expense | $33.47MM | $50.39MM | $48.20MM |
| Income(Loss) | $21.15MM | $-0.26MM | $35.02MM |
| Taxes | $4.39MM | $-0.10MM | $7.26MM |
| Net Income(Loss)* | $16.76MM | $-0.16MM | $27.75MM |
| Stockholders Equity | $181.07MM | $213.51MM | $242.16MM |
| Assets | $2,201.08MM | $2,317.46MM | $2,424.84MM |
| Operating Cash Flow | $29.82MM | $22.81MM | $33.97MM |
| Capital expenditure | $1.41MM | $3.13MM | $4.72MM |
| Investing Cash Flow | $-116.57MM | $-115.20MM | $-128.95MM |
| Financing Cash Flow | $121.00MM | $98.62MM | $67.08MM |
| Earnings Per Share** | $2.08 | $-0.02 | $3.03 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.