Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
NWFL
Strong BuyFull HouseAPPROVENorwood Financial Corp. · Financial Services · United States · $372M · Avg Vol: $1M/d
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.
COMPANY DESCRIPTION
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% | 99.7M | 116.9M | 124.7M | 19.1% |
| EPS | 3.05 | 3.59 | 2.08 | -0.02 | 3.01 | -0.3% | 2.92 | 3.20 | 3.73 | 11.3% |
| Shares | — | 8.2M | 8.1M | 9.3M | 9.3M | +13.8% | 10.9M | — | — | — |
| Debt | — | 82.3M | 114.2M | 158.5M | 74.1M | -3.4% | 66.3M | — | — | — |
| Equity | — | 167.1M | 181.1M | 213.5M | 242.2M | 13.2% | — | — | — | — |
| Op CF | — | 30.7M | 29.8M | 22.8M | 34.0M | 3.4% | 33.0M | — | — | — |
| Inv CF | — | -208.0M | -116.6M | -115.2M | -129.0M | — | — | — | — | — |
| Fin CF | — | 2.4M | 121.0M | 98.6M | 67.1M | — | — | — | — | — |
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 | StockRank | Signal |
|---|---|---|---|---|
| NWFL | Norwood Financial Corp.(you) | $372M | 81 | Strong Buy |
| TSBK | Timberland Bancorp, Inc. | $361M | 81 | Strong Buy |
| MVBF | MVB Financial Corp. | $394M | 80 | Buy |
| FRST | Primis Financial Corp. | $397M | 84 | Strong Buy |
| CHMG | Chemung Financial Corporation | $393M | 77 | Buy |
| CFFI | C&F Financial Corporation | $298M | 84 | Strong Buy |
| RBB | RBB Bancorp | $444M | 77 | Buy |
| FMAO | Farmers & Merchants Bancorp, Inc. | $472M | 84 | Strong Buy |
| CBNA | Chain Bridge Bancorp, Inc. | $300M | 77 | Buy |
| FNLC | The First Bancorp, Inc. | $392M | 89 | Strong Buy |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%