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Norwood Financial Corp

Norwood Financial Corp

NWFL · NASDAQ · Financial Services / Banks - Regional

35.96USD-0.03 (-0.08%)

Price History

Full chart

Market Stats

Previous Close35.99
Open36.11
Day Range35.60 – 36.20
52-Week Range23.07 – 35.48
Volume76.10K
Market Cap369.58M
P/E (TTM)11.57
Forward P/E10.31
EPS2.93
Dividend Yield3.79%
Beta0.53
50-Day Avg33.91
200-Day Avg30.99

About

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 offers annuity and insurance products; and engages in mutual fund sale, advisory services, 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.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. James O. Donnelly
  • Employees275
  • Headquarters717 Main Street, Honesdale, PA, United States, 18431, USA
  • Websitehttps://wayne.bank

Leadership

  • Mr. James O. DonnellyPresident, CEO & Director · b. 1968
  • Mr. John Martin McCaffery Jr.Executive VP & CFO · b. 1964
  • Mr. John F. CarmodyExecutive VP & Chief Credit Officer · b. 1970
  • Mr. Janak M. AminExecutive VP & COO · b. 1965
  • Kristen E. Lancia CFMPVP & Marketing Manager
  • Mr. Ryan J. FrenchExecutive VP & Director of Human Resources
  • Mr. Joseph W. AdamsSenior VP & Director of Wealth Management · b. 1963
  • Ms. Tracie A. YoungExecutive VP & Director of Risk · b. 1970
  • Mr. Joseph MahonSenior VP & Finger Lakes Commercial Loan Team Leader
  • Mr. Steven R. DanielsExecutive VP & Director of Consumer Banking

Financials

Income Statement

Currency: USD1995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue8.54M11.65M21.80M21.90M23.20M26.43M26.57M24.57M22.84M22.55M25.32M29.53M32.78M32.18M32.23M29.75M32.51M34.62M33.87M32.88M32.48M37.42M45.90M49.56M54.06M66.23M79.43M85.60M103.66M101.43M136.14M
Growth (%)-+36.42%+87.08%+0.46%+5.94%+13.94%+0.50%-7.52%-7.04%-1.25%+12.26%+16.65%+10.99%-1.82%+0.14%-7.68%+9.26%+6.51%-2.15%-2.94%-1.22%+15.23%+22.65%+7.98%+9.08%+22.52%+19.92%+7.76%+21.11%-2.16%+34.22%
Cost of Revenue7.51M9.82M10.20M9.20M9.60M11.36M10.90M8.24M6.68M5.45M6.86M9.99M12.30M10.43M9.41M7.02M6.76M7.10M6.00M4.89M7.84M5.70M6.28M7.38M9.93M13.43M9.96M8.17M39.02M53.06M49.50M
Gross Profit1.03M1.83M11.60M12.70M13.60M15.08M15.66M16.32M16.16M17.10M18.46M19.55M20.48M21.75M22.82M22.73M25.75M27.52M27.88M27.99M24.64M31.72M39.62M42.18M44.13M52.81M69.47M77.43M64.64M48.37M86.63M
Gross Margin12.02%15.71%53.21%57.99%58.62%57.03%58.95%66.45%70.74%75.84%72.92%66.19%62.48%67.59%70.80%76.39%79.21%79.49%82.29%85.13%75.87%84.76%86.32%85.11%81.64%79.73%87.46%90.46%62.36%47.69%63.63%
Operating Expense-1.43M-509.00K7.80M8.10M8.60M9.71M9.86M10.35M9.81M10.09M10.62M10.96M11.34M12.24M13.47M12.75M15.81M16.08M16.70M17.73M17.10M23.12M24.87M25.98M27.31M34.44M38.61M41.04M43.50M48.63M51.15M
Operating Income2.45M2.34M3.80M4.60M5.00M5.36M5.80M5.98M6.35M7.01M7.84M8.59M9.14M9.51M9.35M9.97M9.94M11.44M11.17M10.26M7.54M8.60M14.75M16.20M16.82M18.37M30.86M36.38M21.15M-258.00K35.49M
Operating Margin28.73%20.08%17.43%21.00%21.55%20.29%21.84%24.32%27.79%31.10%30.96%29.08%27.88%29.56%29.00%33.53%30.56%33.04%32.98%31.22%23.22%22.97%32.13%32.70%31.12%27.73%38.85%42.51%20.40%-0.25%26.07%
EBITDA3.09M3.06M4.80M5.50M5.90M6.15M6.59M7.00M7.54M7.61M8.86M9.45M9.87M10.14M9.94M10.49M10.57M12.16M11.90M10.96M8.20M9.44M15.82M17.23M17.93M19.80M32.46M37.96M22.61M1.12M36.56M
EBITDA Margin36.22%26.23%22.02%25.11%25.43%23.28%24.82%28.51%33.02%33.74%34.98%31.98%30.11%31.51%30.85%35.25%32.53%35.13%35.14%33.32%25.24%25.23%34.47%34.76%33.16%29.90%40.87%44.34%21.81%1.10%26.85%
Net Income1.80M1.87M2.70M3.20M3.50M3.86M4.20M4.35M4.65M5.01M5.50M5.91M6.51M6.68M7.06M7.31M7.36M8.40M8.46M7.66M5.91M6.71M8.20M13.65M14.21M15.08M24.91M29.23M16.76M-160.00K27.75M
Net Income Margin21.09%16.06%12.39%14.61%15.09%14.60%15.82%17.72%20.37%22.22%21.71%20.01%19.86%20.75%21.92%24.58%22.63%24.27%24.99%23.29%18.19%17.93%17.86%27.54%26.29%22.77%31.37%34.15%16.17%-0.16%20.39%
R&D----------------00000000-------
R&D as % of Total Revenue----------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense6.90M8.12M8.80M8.50M9.10M10.88M10.21M7.61M6.02M4.99M6.50M9.77M11.98M9.69M7.73M6.02M5.18M4.65M3.60M3.21M3.26M3.65M4.08M5.66M8.68M7.98M5.76M7.27M33.47M50.39M48.20M
Interest Expense % of Total Revenue80.72%69.67%40.37%38.81%39.22%41.15%38.43%30.99%26.37%22.14%25.70%33.07%36.56%30.12%23.97%20.24%15.94%13.43%10.62%9.76%10.03%9.76%8.89%11.41%16.05%12.05%7.25%8.49%32.29%49.68%35.41%

Balance Sheet

Currency: USD1995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets217.26M260.08M263.30M279.00M314.80M326.73M346.03M367.47M387.48M411.63M433.56M454.36M480.61M504.30M529.70M537.00M668.81M672.30M711.23M711.63M750.50M1.11B1.13B1.18B1.23B1.85B2.07B2.05B2.20B2.32B2.42B
Total Liabilities194.48M238.57M238.70M251.30M288.10M295.36M310.91M327.34M344.65M365.94M385.45M402.13M424.79M445.61M465.23M469.31M580.75M579.88M619.37M612.59M649.51M1.00B1.02B1.06B1.09B1.66B1.86B1.88B2.02B2.10B2.18B
Total Equity22.78M21.52M24.60M27.70M26.70M31.37M35.12M40.13M42.83M45.69M48.11M52.23M55.82M58.69M64.47M67.70M88.06M92.42M91.86M99.04M101.00M111.08M115.74M122.28M137.43M194.78M205.26M167.09M181.07M213.51M242.16M
Cash6.45M15.11M10.90M12.60M8.80M9.14M9.76M9.81M9.17M7.61M9.82M9.52M9.06M6.48M14.36M13.63M21.42M12.29M7.86M12.38M10.01M17.17M16.70M18.35M15.41M111.69M206.68M31.87M66.12M72.34M44.44M
Total Debt4.61M5.67M7.00M9.80M38.60M35.86M31.64M32.02M35.86M45.98M41.56M35.74M49.69M81.13M68.80M71.31M71.26M51.18M73.67M47.90M94.36M64.81M78.47M105.33M118.69M105.76M90.82M173.22M168.31M194.86M74.13M
Net Debt-1.83M-9.44M-3.90M-2.80M29.80M26.72M21.89M22.21M26.68M38.38M31.75M26.22M40.62M74.65M54.45M57.68M49.84M38.89M65.81M35.52M84.35M47.64M61.78M86.98M103.28M-5.93M-115.86M141.35M102.19M122.52M29.70M

Cash Flow

Currency: USD1995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow7.82M4.11M6.50M6.90M5.30M6.03M4.85M5.20M6.50M7.06M6.96M12.77M3.71M7.15M6.00M8.58M10.79M11.36M12.69M10.53M10.50M11.38M16.05M17.30M18.44M13.80M29.20M30.73M29.82M22.81M33.97M
Investing Cash Flow-26.18M-16.84M-8.80M-14.50M-44.00M-10.92M-15.94M-22.45M-30.89M-16.04M-32.88M-21.75M-25.78M-27.19M-12.61M-10.94M31.07M-17.25M-52.66M4.69M-46.24M3.54M-28.59M-54.84M-39.78M-61.36M-130.96M-207.99M-116.57M-115.20M-128.95M
Financing Cash Flow17.89M21.39M-1.90M9.20M36.90M5.79M16.73M16.16M17.32M20.47M15.07M8.68M21.62M17.46M17.48M1.63M-37.06M-3.24M35.53M-10.71M33.38M-7.75M12.06M39.19M18.41M143.84M196.75M2.44M121.00M98.62M67.08M
Capital Expenditure586.97K1.36M200.00K400.00K300.00K351.00K445.00K572.00K0445.00K446.00K1.07M287.00K325.00K248.00K179.00K175.00K417.00K393.00K193.00K290.00K511.00K1.63M873.00K1.62M749.00K1.26M2.15M1.41M3.13M4.72M
Free Cash Flow7.24M2.75M6.30M6.50M5.00M5.68M4.41M4.63M6.50M6.61M6.51M11.71M3.42M6.83M5.76M8.40M10.62M10.94M12.30M10.34M10.21M10.87M14.42M16.43M16.82M13.05M27.94M28.58M28.41M19.68M29.25M
Dividends Paid677.24K716.00K700.00K800.00K900.00K1.13M1.34M1.49M1.66M1.79M1.92M2.29M2.56M2.74M2.97M3.09M3.51M3.93M4.16M4.37M4.53M4.71M5.39M5.51M6.04M7.26M8.54M9.16M9.42M9.72M11.49M
FCF to OCF92.50%66.87%96.92%94.20%94.34%94.18%90.83%89.00%100.00%93.70%93.59%91.65%92.26%95.46%95.87%97.91%98.38%96.33%96.90%98.17%97.24%95.51%89.83%94.95%91.20%94.57%95.69%92.99%95.27%86.29%86.10%
Dividend Paid to FCF9.36%26.03%11.11%12.31%18.00%19.87%30.42%32.27%25.57%27.14%29.41%19.56%74.78%40.14%51.55%36.81%33.09%35.93%33.79%42.27%44.35%43.39%37.36%33.54%35.93%55.66%30.56%32.04%33.14%49.39%39.28%

Earnings

Report DateMar 31, 1999Sep 30, 2001Mar 31, 2002Jun 30, 2002Sep 30, 2002Mar 31, 2003Jun 30, 2003Sep 30, 2003Jan 26, 2004Apr 26, 2004Jul 23, 2004Nov 12, 2004Feb 2, 2005May 13, 2005Aug 12, 2005Nov 10, 2005Jan 23, 2006Apr 25, 2006Jul 25, 2006Oct 19, 2006Jan 23, 2007May 30, 2007Aug 29, 2007Nov 28, 2007Mar 14, 2008May 12, 2008Jul 23, 2008Nov 7, 2008Jan 26, 2009Apr 23, 2009Jul 21, 2009Oct 21, 2009Mar 12, 2010May 10, 2010Aug 6, 2010Dec 31, 2010Mar 31, 2011Jun 30, 2011Sep 30, 2011Dec 31, 2011Mar 31, 2012Jun 30, 2012Sep 30, 2012Dec 31, 2012Mar 31, 2013Jun 30, 2013Sep 30, 2013Dec 31, 2013Mar 31, 2014Jun 30, 2014Sep 30, 2014Dec 31, 2014Mar 31, 2015Jun 30, 2015Sep 30, 2015Dec 31, 2015Mar 31, 2016Jun 30, 2016Sep 30, 2016Dec 31, 2016Mar 31, 2017Apr 21, 2017Jul 26, 2017Oct 24, 2017Jan 25, 2018Apr 20, 2018Jul 26, 2018Oct 23, 2018Jan 24, 2019Apr 19, 2019Jul 26, 2019Oct 23, 2019Jan 23, 2020Apr 17, 2020Jul 22, 2020Oct 23, 2020Jan 27, 2021Apr 23, 2021Jul 23, 2021Oct 26, 2021Jan 28, 2022Apr 18, 2022Jul 22, 2022Oct 26, 2022Jan 27, 2023Apr 21, 2023Jul 26, 2023Oct 24, 2023Jan 29, 2024Apr 22, 2024Jul 26, 2024Oct 28, 2024Jan 27, 2025Apr 17, 2025Jul 22, 2025Oct 22, 2025Jan 22, 2026Apr 27, 2026Jul 22, 2026Oct 27, 2026
EPS Estimate--------0.250.240.250.240.300.290.270.290.310.310.300.320.32------------------------------------------------------------------------0.410.560.660.710.850.810.870.94
EPS Actual0.180.250.230.230.260.240.250.260.270.220.240.260.290.270.260.280.310.270.320.320.330.310.330.390.360.390.380.350.350.380.380.390.390.390.400.390.360.300.410.370.400.420.410.320.420.340.390.400.360.370.390.280.370.350.320.020.340.340.100.370.380.380.440.470.610.500.560.580.530.510.560.620.570.490.240.620.670.670.700.850.810.870.841.000.870.710.810.510.040.550.520.48-1.540.630.670.890.840.720.86-
Surprise--------8.00%-8.33%-4.00%8.33%-3.33%-6.90%-3.70%-3.45%0.00%-12.90%6.67%0.00%3.13%------------------------------------------------------------------------275.61%12.50%1.52%25.35%-1.18%-11.11%-1.15%-
Timing---------Pre-marketPre-market--Pre-marketPre-market--Pre-market-After-hoursAfter-hours-----Pre-marketAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hours------------------------------------After-hours--After-hours--------Pre-marketPre-marketAfter-hoursPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-market

Key Statistics & Ratios

Market Cap369.58M
Enterprise Value372.85M
Trailing P/E11.57
Forward P/E10.31
PEG Ratio2.36
Price / Sales3.71
Price / Book1.25
EPS2.93
Book Value26.73
Revenue (TTM)99.69M
Gross Profit (TTM)99.69M
Profit Margin28.93%
Operating Margin44.88%
Return on Equity11.20%
Return on Assets1.09%
Shares Outstanding10.90M
Shares Float9.84M
Beta0.53
Dividend Yield3.79%
Dividend Rate1.28
Payout Ratio38.67%

Analyst Ratings

Buy
Based on 3 analystsTarget 36.50
  • Strong Buy
    1
  • Hold
    2

Ownership Breakdown

Institutions
42.39%
Insiders
8.09%
Retail / Other
49.52%

Top Institutional Holders

  • BlackRock Inc
    660.68K6.07%
  • Wellington Management Company LLP
    567.50K5.21%
  • Vanguard Capital Management, LLC
    428.06K3.93%
  • UBS Group AG
    239.67K2.20%
  • Geode Capital Management, LLC
    237.41K2.18%
  • Manufacturers Life Insurance Co
    175.06K1.61%
  • Bulldog Investors, LLC
    170.00K1.56%
  • Cornerstone Wealth Group, LLC
    166.59K1.53%
  • Dimensional Fund Advisors, Inc.
    166.01K1.52%
  • State Street Corp
    141.67K1.30%
  • Northern Trust Corp
    79.38K0.73%
  • Vanguard Fiduciary Trust Co
    66.78K0.61%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    318.32K2.92%
  • iShares Russell 2000 ETF
    272.06K2.50%
  • Total Return Securities Fund
    170.00K1.56%
  • Fidelity Small Cap Index
    113.85K1.05%
  • iShares Russell 2000 Value ETF
    105.63K0.97%
  • Avantis US Small Cap Value ETF
    88.88K0.82%
  • JHancock Regional Bank A
    82.11K0.75%
  • JH Financial Opportunities
    78.29K0.72%

Dividends

20264×
0.32Oct 15, 20260.32Jul 15, 20260.32Apr 15, 20260.32Jan 15, 2026
20254×
0.31Oct 15, 20250.31Jul 15, 20250.31Apr 15, 20250.31Jan 15, 2025
20244×
0.30Oct 18, 20240.30Jul 15, 20240.30Apr 12, 20240.30Jan 11, 2024
20234×
0.29Oct 12, 20230.29Jul 13, 20230.29Apr 13, 20230.29Jan 12, 2023
20224×
0.28Oct 13, 20220.28Jul 14, 20220.28Apr 13, 20220.28Jan 13, 2022
20214×
0.26Oct 14, 20210.26Jul 14, 20210.26Apr 14, 20210.26Jan 14, 2021

Stock Splits

  • Sep 18, 20173:2
  • May 13, 201311:10
  • May 10, 2006105:100
  • Jun 17, 20033:2