Norwood Financial Corp Stock Today

NWFL Stock  USD 27.21  0.33  1.23%   

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Norwood Financial is selling for 27.21 as of the 29th of March 2024. This is a 1.23% increase since the beginning of the trading day. The stock's lowest day price was 26.8. Norwood Financial has less than a 9 % chance of experiencing financial distress in the next few years, but has generated negative returns over the last 90 days. Equity ratings for Norwood Financial Corp are calculated daily based on our scoring framework. The performance scores are derived for the period starting the 28th of February 2024 and ending today, the 29th of March 2024. Click here to learn more.
Business Domain
Banks
IPO Date
2nd of March 1998
Category
Financial Services
Classification
Financials
Norwood Financial Corp. operates as the bank holding company for Wayne Bank that provides various banking products and services. Norwood Financial Corp. was founded in 1870 and is headquartered in Honesdale, Pennsylvania. Norwood Financial operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. The company has 8.11 M outstanding shares of which 73.27 K shares are now shorted by private and institutional investors with about 8.05 trading days to cover. More on Norwood Financial Corp

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Norwood Stock Highlights

Most reasonable investors view market volatility as an opportunity to invest at a favorable price or to sell short against a bearish trend. Norwood Financial's investment highlights are automatically generated signals that are significant enough to either complement your investing judgment regarding Norwood Financial or challenge it. These highlights can help you better understand the position you are entering and avoid costly mistakes.
CEO PresidentJames Donnelly
Business ConcentrationRegional Banks, Banks - Regional, Financial Services, NASDAQ Composite, NASDAQ Composite Total, Financials, Banks, Banks—Regional, Financial Services (View all Sectors)
Average Analyst Recommendation
Analysts covering Norwood Financial report their recommendations after researching Norwood Financial's financial statements, talking to executives and customers, or listening in on Norwood Financial's conference calls. The current trade recommendation is based on an ongoing consensus estimate among financial analysts covering Norwood Financial Corp. The Norwood consensus assessment is calculated by taking the average forecast from all of the analysts covering Norwood Financial.
Norwood Financial's financial strength is of vital concern to both outside investors and internal stakeholders. Efficiency and cost control are keys to Norwood Financial's success, along with its ability to generate sufficient cash flow to pay bills, repay debt, and make a consistent year-to-year profit.
Financial leverage usually refers to the use of borrowed funds to amplify returns from an investment. In general, analyzing the relationship between debt to total assets helps investors to understand Norwood Financial's financial leverage. It provides some insight into what part of Norwood Financial's total assets is financed by creditors.
By using current balance sheet information, investors can analyze the liability, assets, and equity on Norwood Financial's books and decide whether to invest or hold. Statistics such as return on equity (ROE), debt to equity (D/E) help investors determine how Norwood Financial deploys its capital and how much of that capital is borrowed.
Liquidity
Norwood Financial cash flow analysis is essential to understand how it generates and spends money over a specific period. It can also help you figure out where your money is going and how much cash you have available at a given moment. The company currently holds 202.32 M in liabilities with Debt to Equity (D/E) ratio of 6.43, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Debt can assist Norwood Financial until it has trouble settling it off, either with new capital or with free cash flow. So, Norwood Financial's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like Norwood Financial Corp sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Norwood to invest in growth at high rates of return. When we think about Norwood Financial's use of debt, we should always consider it together with cash and equity.

Other Cashflows From Financing Activities

207.51 Million
Norwood Financial Corp (NWFL) is traded on NASDAQ Exchange in USA. It is located in 717 Main Street, Honesdale, PA, United States, 18431 and employs 261 people. Norwood Financial is listed under Regional Banks category by Fama And French industry classification. The company currently falls under 'Small-Cap' category with a current market capitalization of 220.68 M. Market capitalization usually refers to the total value of a company's stock within the entire market. To calculate Norwood Financial's market, we take the total number of its shares issued and multiply it by Norwood Financial's current market price. To manage market risk and economic uncertainty, many investors today build portfolios that are diversified across equities with different market capitalizations. However, as a general rule, conservative investors tend to hold large-cap stocks, and those looking for more risk prefer small-cap and mid-cap equities. Norwood Financial Corp conducts business under Banks sector and is part of Financials industry. The entity has 8.11 M outstanding shares of which 73.27 K shares are now shorted by private and institutional investors with about 8.05 trading days to cover. Norwood Financial Corp currently holds about 40.88 M in cash with 29.76 M of positive cash flow from operations. This results in cash-per-share (CPS) ratio of 5.04.
Check Norwood Financial Probability Of Bankruptcy
Ownership Allocation
Norwood Financial Corp holds a total of 8.11 Million outstanding shares. Norwood Financial Corp secures 9.53 % of its outstanding shares held by insiders and 28.67 % owned by institutional investors. Note that regardless of who owns the company, if the true value of the entity is less than the market is willing to pay for it, you may not be able to generate positive returns over time.
Check Norwood Ownership Details

Norwood Stock Price Odds Analysis

Proceeding from a normal probability distribution, the odds of Norwood Financial jumping above the current price in 90 days from now is about 67.48%. The Norwood Financial Corp probability density function shows the probability of Norwood Financial stock to fall within a particular range of prices over 90 days. Given the investment horizon of 90 days the stock has a beta coefficient of 2.0289. This indicates as the benchmark fluctuates upward, the company is expected to outperform it on average. However, if the benchmark returns are projected to be negative, Norwood Financial will likely underperform. Additionally, norwood Financial Corp has a negative alpha, implying that the risk taken by holding this instrument is not justified. The company is significantly underperforming NYSE Composite.
  Odds Below 27.21HorizonTargetOdds Above 27.21
32.36%90 days
 27.21 
67.48%
Based on a normal probability distribution, the odds of Norwood Financial to move above the current price in 90 days from now is about 67.48 (This Norwood Financial Corp probability density function shows the probability of Norwood Stock to fall within a particular range of prices over 90 days) .

Norwood Stock Institutional Holders

Institutional Holdings refers to the ownership stake in Norwood Financial that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of Norwood Financial's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Norwood Financial's value.
InstituionRecorded OnShares
Strategic Investment Advisors Inc2023-12-31
28.6 K
Commonwealth Equity Services Inc2023-12-31
26.7 K
Cetera Advisor Networks Llc2023-12-31
24.7 K
Morgan Stanley - Brokerage Accounts2023-12-31
24.3 K
Eagle Wealth Strategies Llc2023-12-31
23.5 K
Charles Schwab Investment Management Inc2023-12-31
19.9 K
Bank Of America Corp2023-12-31
14 K
Minerva Advisors Llc2023-12-31
13.7 K
Pnc Financial Services Group Inc2023-09-30
13.4 K
Blackrock Inc2023-12-31
562.3 K
Norwood Financial Corp2023-12-31
425.2 K
View Norwood Financial Diagnostics

Norwood Financial Historical Income Statement

Norwood Financial Corp Income Statement is one of the three primary financial statements used for reporting Norwood's overall financial performance over a current year or for a given accounting period. An Income Statement sometimes referred to as the statement of Norwood Financial Corp revenue and expense. Norwood Financial Income Statement primarily focuses on the company's revenues and expenses during a particular period.
At this time, Norwood Financial's Total Operating Expenses is quite stable compared to the past year. Total Other Income Expense Net is expected to rise to about 22.2 M this year, although the value of Operating Income is projected to rise to (1.3 M). View More Fundamentals

Norwood Stock Against Markets

Picking the right benchmark for Norwood Financial stock is fundamental to making educated investment choices. Many naive investors compare their positions with the S&P 500 or with the Nasdaq. But these benchmarks are not all-inclusive and generally should be used only for large-capitalization equities or stock offerings from large companies. When the price of a selected benchmark declines in a down market, there may be an uptick in Norwood Financial stock price where buyers come in believing the asset is cheap. The opposite is true when the market is bullish; so, accurately picking the benchmark for Norwood Financial is critical whether you are bullish or bearish towards Norwood Financial Corp at a given time. Please also check how Norwood Financial's historical prices are related to one of the top price index indicators.

Be your own money manager

Our tools can tell you how much better you can do entering a position in Norwood Financial without increasing your portfolio risk or giving up the expected return. As an individual investor, you need to find a reliable way to track all your investment portfolios. However, your requirements will often be based on how much of the process you decide to do yourself. In addition to allowing all investors analytical transparency into all their portfolios, our tools can evaluate risk-adjusted returns of your individual positions relative to your overall portfolio.

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Norwood Financial Corporate Directors

Norwood Financial corporate directors refer to members of a Norwood Financial board of directors. The board of directors generally takes responsibility for the Norwood Financial's affairs and long-term direction of the entity. A corporate director does not make decisions for the corporation on his own. As a member of the board of directors, she or he must function as a part of a group that makes decisions on behalf of the business only by the board of directors' meetings. To pass a resolution, a majority of Norwood Financial's board members must vote for the resolution. The Norwood Financial board of directors' duties also include the election, removal, and supervision of officers, including the adoption, amendment, and repeal of bylaws.
Kenneth PhillipsExecutive VP, Director, Member of Audit Committee and Director of Wayne BankProfile
Susan GumbleCottellIndependent DirectorProfile
Meg HungerfordDirectorProfile
Kevin LamontIndependent DirectorProfile

How to buy Norwood Stock?

Before investing in Norwood Financial, you must ensure you fully understand your financial goals and how diversified (or not) your overall investments are now. Then, after you clearly understand your investment objectives, consider investing in Norwood Financial. To buy Norwood Financial stock, you can follow these steps:
  • Choose a brokerage firm: You need to select a brokerage firm to buy shares of Norwood Financial. Some popular options include Charles Schwab, Fidelity, TD Ameritrade, and Robinhood.
  • Open an account: Once you have chosen a brokerage firm, you will need to open an account. You will be required to provide personal information, such as your name, address, and Social Security number.
  • Fund your account: You will need to deposit funds into your brokerage account to purchase Norwood Financial stock. You can do this by transferring funds from your bank account or other investment accounts.
  • Place your order: Once you have located Norwood Financial Corp stock in your brokerage account, you can place your order to buy it. You will need to specify the number of shares you want to buy and the price you are willing to pay.
  • Monitor your investment: After you have purchased Norwood Financial Corp stock, you should monitor your investment to track its performance and make informed decisions about buying, selling, or holding the stock
It's important to note that investing in stocks, such as Norwood Financial Corp, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember various factors, including economic indicators, change in net worth, political events, company-specific news, and investor sentiment, can influence the stock market. These factors can cause fluctuations in stock prices and lead to market volatility affecting your buy or sell decision. However, volatility can also present opportunities for investors to make gains by buying stocks when prices are low and selling when they are high. It's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. For more information on how to buy Norwood Stock please use our How to Invest in Norwood Financial guide.

Already Invested in Norwood Financial Corp?

The danger of trading Norwood Financial Corp is mainly related to its market volatility and Company specific events. As an investor, you must understand the concept of risk-adjusted return before you start trading. The most common way to measure the risk of Norwood Financial is by using the Sharpe ratio. The ratio expresses how much excess return you acquire for the extra volatility you endure for holding a more risker asset than Norwood Financial. The Sharpe ratio is calculated by using standard deviation and excess return to determine reward per unit of risk. To understand how volatile Norwood Financial Corp is, you must compare it to a benchmark. Traditionally, the risk-free rate of return is the rate of return on the shortest-dated U.S. Treasury, such as a 3-year bond.
When determining whether Norwood Financial Corp is a strong investment it is important to analyze Norwood Financial's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Norwood Financial's future performance. For an informed investment choice regarding Norwood Stock, refer to the following important reports:
Check out Correlation Analysis to better understand how to build diversified portfolios, which includes a position in Norwood Financial Corp. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in census.
Note that the Norwood Financial Corp information on this page should be used as a complementary analysis to other Norwood Financial's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try the Balance Of Power module to check stock momentum by analyzing Balance Of Power indicator and other technical ratios.

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When running Norwood Financial's price analysis, check to measure Norwood Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Norwood Financial is operating at the current time. Most of Norwood Financial's value examination focuses on studying past and present price action to predict the probability of Norwood Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Norwood Financial's price. Additionally, you may evaluate how the addition of Norwood Financial to your portfolios can decrease your overall portfolio volatility.
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Is Norwood Financial's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Norwood Financial. If investors know Norwood will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Norwood Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.96)
Dividend Share
1.17
Earnings Share
2.07
Revenue Per Share
8.018
Quarterly Revenue Growth
(0.40)
The market value of Norwood Financial Corp is measured differently than its book value, which is the value of Norwood that is recorded on the company's balance sheet. Investors also form their own opinion of Norwood Financial's value that differs from its market value or its book value, called intrinsic value, which is Norwood Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Norwood Financial's market value can be influenced by many factors that don't directly affect Norwood Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Norwood Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Norwood Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Norwood Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.