Norwood Financial Corp.

Norwood Financial Corp.

NWFL
Norwood Financial Corp.US flagNASDAQ Global Market
29.43
USD
-1.11
- -
271.61MMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
5.56
5.42
5.28
5.84
6.73
7.04
7.25
8.07
9.02
9.62
8.71
6.38
9.54
9.85
Basic EPS, GAAP
1.55
1.4
1.07
1.16
1.32
2.19
2.27
2.09
3.05
3.59
2.08
-0.02
3.01
2.67
Free Cash Flow per Basic Share
2.26
1.89
1.84
1.88
2.32
2.64
2.69
1.81
3.42
3.51
3.53
2.46
3.17
2.76
Dividend per Share
0.76
0.8
0.82
0.81
0.87
0.88
0.96
1.01
1.05
1.12
1.17
1.21
1.25
1.26
Book Value per Share
11.22
11.78
11.88
11.69
11.44
12.68
13.92
13.11
13.57
16.07
16.89
15.74
15.41
14.72
Tangible Book Value per Share
14.98
16.26
16.43
17.14
16.74
17.75
20.1
22.86
21.49
16.89
18.81
23.01
23.08
25.32
Basic Weighted Avg Shares
5
5
6
6
6
6
6
7
8
8
8
8
9
10
Sales/Revenue/Turnover
30
30
29
34
42
44
45
58
74
78
70
51
88
95
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
1
1
1
1
1
1
1
1
2
2
1
1
1
2
Net Income, GAAP
8
8
6
7
8
14
14
15
25
29
17
- -
28
26
Effective Tax Rate (%)
24.22
25.39
21.64
21.92
44.42
15.76
15.5
17.89
19.26
19.66
20.75
- -
20.74
21.01
Profit Margin (%)
27.96
25.81
20.22
19.87
19.6
31.09
31.32
25.89
33.82
37.32
23.88
-0.31
31.56
27.06
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
24
22
41
32
36
52
56
42
30
40
70
60
29
88
Total Equity
92
99
101
111
116
122
137
195
205
167
181
214
242
284
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
13.2
12.19
9.07
10.06
11.82
18.19
17.1
16.59
24.25
24.19
12.56
-0.12
20.71
18.99

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
10
45
- -
LT Borrowings
62
29
88
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
9
9
11
Market Capitalization
229
259
284

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
216
324
229
Accounts Receivable, Net
9
9
11
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
10
12
10
ST Debt
10
45
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
10.04%
5.3%
13.42%
Free Cash Flow
16.67%
26.74%
48.61%
Net Income, GAAP
-1,739.55%
-3,501.59%
-17,446.88%
Sales/Revenue/Turnover
14.35%
13.48%
72.3%
Total Cash Common Dividend
9.96%
9.81%
18.21%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
17
17
18
-1
51
2025
20
21
23
23
88
2026
27
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.55
0.52
0.48
-1.54
-0.02
2025
0.63
0.67
0.89
0.81
3.01
2026
0.35
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.3
0.3
0.3
0.3
1.21
2025
0.31
0.31
0.31
0.31
1.25
2026
0.33
- -
- -
- -
- -

Company Description

APIChat
CEO
James O. Donnelly
Full Time Employees
264
Sector
Financial Services
Industry
Banks - Regional
Address
717 Main Street Honesdale PA United States of America 18431
IPO Date
Mar 4, 1998
Website
wayne.bank
Business
Norwood Financial Corp. (Nasdaq: NWFL) operates as the holding company for Wayne Bank, a community bank providing a broad range of retail and commercial banking products and services including interest-bearing and non-interest-bearing transaction accounts, statement savings accounts, money market accounts, and certificates of deposit; commercial loans such as lines of credit, revolving credit, term loans, mortgages, secured lending products, and letters of credit; municipal finance lending; construction loans for commercial projects and single-family residences; land loans; consumer loans; residential mortgage loans for principal residences and second homes; indirect dealer financing for automobiles, boats, and recreational vehicles; investment securities services; personal and business credit services; trust and investment products; cash management; remote deposit capture; mobile deposit capture; automated clearing house services; real estate settlement services; internet and mobile banking; annuity and mutual fund sales; and discount brokerage activities to consumers, businesses, nonprofit organizations, and municipalities. Wayne Bank maintains approximately 30 branches primarily in the northeastern Pennsylvania counties of Wayne, Pike, Monroe, Lackawanna, Luzerne, and Susquehanna, as well as select counties in New York including Delaware, Sullivan, Ontario, Otsego, and Yates. Founded in 1870 and headquartered in Honesdale, Pennsylvania, the company reported consolidated assets of $2.4 billion as of March 31, 2025, with recent operational enhancements including a promotion of Corissa O’Malley to Vice President and Loan Documentation Manager, strong first quarter 2025 results featuring fully diluted EPS of $0.63 and return on assets over 1.00%, and a definitive merger agreement announced July 7, 2025, to acquire PB Bankshares, Inc. (Nasdaq: PBBK), the holding company for Presence Bank, in a transaction valued at approximately $54.9 million that will expand its footprint into higher-growth markets in central and southeastern Pennsylvania, subject to regulatory approvals and shareholder vote with an expected closing in late 2025 or early 2026.

Company News

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