Norwood Financial Corp. (NWFL) Stock

Norwood Financial Corp. (NWFL) is a Financials stock trading at $33.74 (as of 2026-08-21), with a market capitalization of $367.89M and a trailing P/E of 12.8. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Norwood Financial Corp. is the bank holding company for Wayne Bank, offering deposit accounts, certificates of deposit, and a range of loan products including commercial, municipal finance, construction, land, consumer, mortgage, and indirect dealer financing. It also provides investment securities, trust and investment services, and banking services such as cash management, direct deposit, remote/mobile deposit capture, mobile payments, ACH, real estate settlement, and online/mobile banking.

Understand Norwood Financial Corp.: how it makes money

Norwood Financial Corp. is the bank holding company for Wayne Bank, taking deposits and making loans (including commercial loans, municipal finance lending, and construction loans), and it also manages trust assets.

This is a traditional bank profit engine, the income spread depends on how loan yields (for example, Average Loan Closing Yield) compare with the mix and stability of deposits (including Municipal Deposits), while credit risk is reflected in Non-Performing Amount and Coverage Ratio.

Business quality (Strong): The provided snapshot shows banking activity, but revenue is listed as 0.0B in the dataset, and the operating margin shown (211.8%) is hard to interpret without more complete financial context.

Valuation: At 12× earnings, NWFL trades in line with the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

Funding base tied to municipal deposits: Municipal Deposits are shown as 0.4 USD_B, which can be an important part of a bank's funding profile.
Loan pricing indicated by closing yield: Average Loan Closing Yield is shown as 7.05 percent, which is a direct read on loan pricing at origination.
Some credit loss protection indicated: Coverage Ratio is shown as 1.09 percent, alongside Non-Performing Amount of 0.01 USD_B.

Bear case

Credit quality still matters: Non-Performing Amount is shown as 0.01 USD_B, and the Coverage Ratio is 1.09 percent, which may imply a limited cushion versus losses.
Commercial real estate exposure risk: Commercial Real Estate Loan Ratio is shown as 129.0 percent, indicating elevated exposure to commercial real estate loans.
Concentration risk from limited granularity in provided data: The dataset does not provide a segment breakdown that sums to total revenue, and it lists revenue as 0.0B, limiting how precisely investors can connect drivers to reported results.

Valuation — source: SEC EDGAR (first-party)
Price	$33.74
Market Cap	$367.89M
P/E Ratio	12.8
EV / EBITDA	8.5
Price / Book	1.27
Price / Sales	43.13
FCF Yield	8.1%
DCF Value (model)	$39.51
DCF Upside vs Price	17.1%

Profitability & Growth — source: SEC EDGAR
Revenue (TTM)	$8.00M
Net Margin	347.0%
Revenue Growth (YoY)	12.5%
EPS Growth (YoY)	28.4%
FCF Growth (YoY)	65.6%

Valuation vs Sector & Industry
Stock P/E	12.8
Sector P/E (Financials)	15.1
Industry P/E (Banking)	13.0
vs Sector	-15.5%
vs Industry	-1.6%

Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional Holder	EverSource Wealth Advisors, LLC ($32.39M)
Institutional Holders Tracked	10

Company
Sector	Financials
Industry	Banking
CEO	James O. Donnelly
Employees	264
Country	US
IPO Date	1998-03-04

Related Companies (Business model: Universal / Commercial Bank; 8 closest by market cap; US-domiciled)

Data as of 2026-08-21.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.