NWFL
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$35.99 -0.5% · close 12 Nov · scored 13 Nov
Premium Grower: Strong business with the market behind it, priced at a premium.
As of 13 Nov 2026, the MoatMap Score for Norwood Financial Corp. (NWFL) is 78/100, ranked against 25,000+ stocks in 38 markets (Quality 62, Value 41, Momentum 73, each scored against its sector).
Does the score work? Each tenth of the ranking, tracked monthly. See the record →
Screen-pass. Norwood Financial Corp.: Q57/V51/M70, every leg clears the 50 floor; corroborated by net insider buying 0.03% of listed shares in 90d. Nothing adverse known: no net insider selling and no negative forward-EPS revision. A light-tier screen-pass, not a high-conviction pick.
The ranks quoted here are from the day it was written; today's Quality, Value and Momentum are the bars above.
ABOUT NORWOOD FINANCIAL CORP.
Read
Norwood Financial Corp. is the holding company for Wayne Bank, a community bank offering a full range of commercial, retail, and municipal banking services, including loans, deposits, and wealth management. Its competitive advantage stems from a deep-rooted local presence and community focus across Northeastern Pennsylvania and the Delaware River Valley in New York, serving a stable regional market.
FINANCIAL SUMMARY (USD)
| Year | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | 78.3M | 70.2M | 51.0M | 87.9M | 3.9% | 107.0M | 116.9M | 125.3M | 19.4% |
| EPS | 3.05 | 3.59 | 2.08 | -0.02 | 3.01 | -0.3% | 3.08 | 3.37 | 3.75 | 11.6% |
| Shares | — | 8.2M | 8.1M | 9.3M | 9.3M | +13.8% | 10.9M | — | — | — |
| Debt | — | 82.3M | 114.2M | 158.5M | 74.1M | -3.4% | 118.9M | — | — | — |
| Equity | — | 167.1M | 181.1M | 213.5M | 242.2M | 13.2% | — | — | — | — |
| Op CF | — | 30.7M | 29.8M | 22.8M | 34.0M | 3.4% | 34.0M | — | — | — |
| Inv CF | — | -208.0M | -116.6M | -115.2M | -129.0M | — | — | — | — | — |
| Fin CF | — | 2.4M | 121.0M | 98.6M | 67.1M | — | — | — | — | — |
Above its 200-day average and 5% below its 52-week high.
Calmer than 80% of stocks we rank over the past year (volatility 26% a year).
How this is worked out
The Price check reads only the chart, the price side of the Momentum score in words; it is not the MoatMap Score.
- Still falling: It set a new 52-week low in the last two weeks, after a deep fall.
- Finding a floor: It fell hard, but has set no new low for more than two weeks.
- Turning up: It has climbed off its low and is back above a rising 50-day average.
- In an uptrend (this stock): It is near its 52-week high and above its 200-day average.
- No clear trend: None of the above: no recent deep fall and no steady climb.
- No read yet: Not enough price history yet: it needs a year of trading.
In past US falls, waiting for Turning up cut the chance of another 20% drop from 42% to 33%. Returns were no better, and 33% of turns failed.
The exact rules
Still falling is a new 52-week low in the last two weeks, at least 25% below the high, with the low set after the high. Finding a floor is the same fall with no new low in the last two weeks. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average, with the 50-day average above the 200-day, and within 15% of the high. No clear trend is everything else. No read yet is under 252 trading days of history, or missing data. A new state shows once it has held for three trading days.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn (the Turning up rule above) cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
What it measures: how much the price moved day to day over the past year, scaled to a yearly figure (annualised volatility) and ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of NWFL are excluded.
| Ticker | Company | Mkt Cap | Score |
|---|---|---|---|
| NWFL | Norwood Financial Corp.(you) | $379M | 78 |
| CFFI | C&F Financial Corporation | $349M | 76 |
| TSBK | Timberland Bancorp, Inc. | $364M | 81 |
| PLBC | Plumas Bancorp | $439M | 77 |
| NECB | Northeast Community Bancorp, Inc. | $382M | 82 |
| JMSB | John Marshall Bancorp, Inc. | $334M | 76 |
| FDBC | Fidelity D & D Bancorp, Inc. | $375M | 83 |
| FUNC | First United Corporation | $296M | 79 |
| FRBA | First Bank | $480M | 79 |
| CZFS | Citizens Financial Services, Inc. | $407M | 83 |
Peer medians: ROE 9.6% · P/E 12.8x · Gross margin 71.0%
Company Deep Dive
A 10,000-word report: the business and its segments, what management promised on earnings calls and whether it delivered, the competition, and how things could turn out.