Norwood Financial Corp (NWFL) stock
NWFLNasdaqState Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 6, 2026Score 18/308% above fair value
$35.96−0.03 (-0.08%)
Close on Nov 13, 2026Market cap $392.04MP/E 11.7Yield 3.48%
Norwood Financial statistics
91 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Jan 21, 2027 (estimated, before the open)
- Last ex-dividend date
- Oct 15, 2026
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 13, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 1.61
- 1.52
- P/OCF Ratio
- 9.30
- 9.82
Enterprise valuationIndustry
- EV / Sales
- 41.89
- 2.95
- EV / FCF
- 9.43
- 8.49
Share statisticsIndustry
- Shares Change (YoY)
- 16.5%
- 0.33%
- Float
- 10M
- 17M
- Shares Held by Insiders
- 8.88%
- 6.05%
- Shares Held by Institutions
- 40.6%
- 61.3%
Short sellingIndustry
- Short Interest
- 127,734
- –
- Short Interest Change
- -18.4%
- -4.13%
- Short % of Float
- 1.29%
- 3.58%
- Short % of Shares Outstanding
- 1.17%
- 3.18%
- Days to Cover
- 1.91
- 4.85
Stock price statisticsIndustry
- 52-Week High
- $37.74
- –
- 52-Week Low
- $26.65
- –
- 20-Day Moving Average
- $35.53
- –
- 50-Day Moving Average
- $34.64
- –
- 200-Day Moving Average
- $32.02
- –
- Average True Range (14)
- $1.35
- –
- Price Change (1 Week)
- 0.78%
- 0.69%
- Price Change (1 Month)
- 7.47%
- 3.79%
- Price Change (3 Months)
- 5.49%
- -2.72%
- Price Change (6 Months)
- 25.1%
- 12.2%
- Price Change (YTD)
- 28.2%
- 19.9%
- Price Change (1 Year)
- 33.3%
- 25.7%
- Price Change (3 Years)
- 28.5%
- 65.1%
- Price Change (5 Years)
- 30.4%
- 26.9%
- Price Change (10 Years)
- 86.0%
- 66.8%
- Average Volume (10 Days)
- 59,482
- –
- Average Volume (20 Days)
- 63,083
- –
- Average Volume (90 Days)
- 41,920
- –
- Relative Volume
- 1.84
- 0.68
- Relative Strength Index (14)
- 56.0
- 53.1
- Volatility (1 Year)
- 26.4%
- 24.4%
- Beta (5 Years)
- 0.40
- 0.63
MarginsIndustry
- Pretax Margin
- 458.2%
- 37.0%
- FCF Margin
- 444.0%
- 33.9%
Returns on capitalIndustry
- Return on Equity (ROE)
- 12.5%
- 10.7%
- Return on Assets (ROA)
- 1.20%
- 1.16%
Financial positionIndustry
- Debt / Equity
- 0.20
- 0.21
- Debt / FCF
- 1.41
- 1.48
GrowthIndustry
- Revenue Growth (YoY)
- 14.6%
- 11.7%
- Net Income Growth (YoY)
- 321.1%
- 22.6%
- EPS Growth (YoY)
- 373.8%
- 21.6%
- FCF Growth (YoY)
- 60.0%
- 27.2%
- Revenue Growth (3Y CAGR)
- -2.99%
- 5.82%
- Revenue Growth (5Y CAGR)
- 5.20%
- 6.17%
- EPS Growth (3Y CAGR)
- -5.62%
- 1.31%
- EPS Growth (5Y CAGR)
- 7.57%
- 8.24%
EfficiencyIndustry
- Asset Turnover
- 0.00
- 0.04
- WACC
- 7.35%
- 8.13%
Income statement (TTM)Industry
- Pretax Income
- $41.09M
- $74.07M
Balance sheetIndustry
- Net Cash (Debt)
- $16.40M
- $165.09M
- Net Cash Per Share
- $1.50
- $8.07
- Equity (Book Value)
- $283.36M
- $570.13M
- Book Value Per Share
- $25.99
- $28.12
- Tangible Book Value
- $243.99M
- $478.27M
Cash flow (TTM)Industry
- Capital Expenditures
- -$2.34M
- -$4.24M
- FCF Per Share
- $3.65
- $3.37
Dividends and yieldsIndustry
- Earnings Yield
- 8.23%
- 8.29%
- FCF Yield
- 10.2%
- 9.18%
- Dividend Yield
- 3.48%
- 2.44%
- Shareholder Yield
- 3.48%
- 3.26%
- Dividend Per Share
- $1.25
- $0.92
- Dividend Growth (YoY)
- 3.31%
- 4.26%
- Years of Dividend Growth
- 2
- 2
- Payout Ratio
- 41.4%
- 28.5%
- FCF Payout Ratio
- 33.5%
- 24.8%
Taxes and interestIndustry
- Income Tax
- $8.83M
- $16.14M
- Effective Tax Rate
- 21.5%
- 21.1%
Scores and fair valueIndustry
- Graham Number
- $42.44
- $45.07
- Graham Upside
- 18.0%
- 18.8%
- Altman Z-Score
- 0.16
- 0.22
- Piotroski F-Score
- 6
- 6
- Lynch Fair Value
- $23.31
- –
- Lynch Upside
- -35.2%
- -0.43%
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.
| Period | NWFL | S&P 500 | Difference | NWFL per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +7.3% | -3.0% | +10.4 pts | ||
| 3 months | +5.2% | -2.8% | +8.0 pts | ||
| Year to date | +33.6% | +11.5% | +22.2 pts | ||
| 1 year | +37.8% | +13.5% | +24.3 pts | ||
| 3 years | +58.2% | +77.7% | −19.5 pts | +16.5% | +21.1% |
| 5 years | +62.1% | +72.6% | −10.5 pts | +10.1% | +11.5% |
| 10 years | +168.8% | +308.2% | −139.3 pts | +10.4% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
0M NWFL shares were sold short on Oct 30, 2026, down 18.4% from the previous report, or 1.29% of the shares available to trade. At recent volumes it would take 1.9 days to buy them back. Over the last 20 sessions, 43.4% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 127,734 | -18.4% | 66,873 | 1.9 |
| Oct 15, 2026 | 156,548 | +3.1% | 33,127 | 4.7 |
| Sep 30, 2026 | 151,772 | -8.1% | 36,307 | 4.2 |
| Sep 15, 2026 | 165,224 | +7.6% | 30,883 | 5.3 |
| Aug 31, 2026 | 153,518 | +5.8% | 30,061 | 5.1 |
| Aug 14, 2026 | 145,110 | +15.2% | 38,154 | 3.8 |
| Jul 31, 2026 | 125,968 | -13.8% | 39,736 | 3.2 |
| Jul 15, 2026 | 146,196 | +4.4% | 28,897 | 5.1 |
| Jun 30, 2026 | 139,988 | +49.8% | 85,954 | 1.6 |
| Jun 15, 2026 | 93,423 | +5.1% | 21,638 | 4.3 |
| May 29, 2026 | 88,898 | +4.7% | 17,584 | 5.1 |
| May 15, 2026 | 84,934 | -14.1% | 20,200 | 4.2 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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