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Norwood Financial Corp

NWFL | US

31.12

USD

0

0%

NWFL | US
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About Norwood Financial Corp

Sector

Financial Services

Industry

Banks - Regional - US

Earnings date

30/06/2024

As of date

14/04/2026

Close

31.12

Open

31.11

High

31.18

Low

30.75

Norwood Financial Corp. operates as the bank holding company for Wayne Bank that provides various banking products and services. The company accepts a range of deposit products including interest-bearing and non-interest bearing transaction accounts and statement savings and money market accounts as well as certificate of deposits. It also provides various loans such as commercial loans comprising lines of credit revolving credit term loans mortgages secured lending products and letter of credit facilities; municipal finance lending; construction loans for commercial construction projects and single-family residences; land loans; consumer loans; mortgage lending to finance principal residences and second home dwellings; and indirect dealer financing of new and used automobiles boats and recreational vehicles. In addition the company offers investment securities services; personal and business credit services; trust and investment products; and cash management direct deposit remote deposit capture mobile deposit capture mobile payment automated clearing house activity real estate settlement and Internet and mobile banking services. Further it engages in the annuity and mutual fund sale and discount brokerage activities as well as insurance agency business. The company serves consumers businesses nonprofit organizations and municipalities. It operates in Northeastern Pennsylvania; and in Delaware Sullivan Ontario Otsego and Yates Counties New York as well as automated teller machines. Norwood Financial Corp. was founded in 1870 and is headquartered in Honesdale Pennsylvania.

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NWFL | US

Risk
17.3
Sharpe
1.74
Luna's Score
67/100
Recommendation
Buy

Luna says (NWFL | US)

What's Working

Positive Momentum

Low 6-Month Volatility (<30%)

Good Dividend Yield (2% <= Dividend Yield <= 8%)

Low Market Beta (-0.4 to 0.8)

Low Debt to Asset (< 0.2)

Value Stock (Price to Book < 3)

Strong Operating Margin (> 25%)

Strong Sharpe Ratio (> 1.2)

What's not Working

Microcap (<300M USD)

High Debt to Equity (> 0.75)

Declining Revenue (< 0%)

Volatility Signals

Bearish: Increased Volatility (6-month > 1-month volatility)

Risk Meter

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10 days

12.1%

1 month

17.3%

3 months

28.5%

6 months

26.7%

Returns

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Fundamental Ratios

PE

17.58

Fwd. PE

-

Price to book

1.27

Debt to equity

1.15

Debt to assets

0.09

Ent. to EBITDA

-

Ent. to rev.

5.57

PEG

-

Other Fundamentals

EBITDA

-

MarketCap

251.62M

MarketCap(USD)

251.62M

Div. yield

4.19

Op. margin

33.86

Erngs. growth

-35.60

Rev. growth

-12.50

Ret. on equity

7.38

Short ratio

4.54

Short perc.

0.75

Market Sentiment (SMA and Price signals)

Short-term: Bullish (SMA10D > SMA1M)

Intermediate-term: Bullish (SMA1M > SMA3M)

Long-term: Bullish (SMA6M > SMA12M)

SMAs: Stock Price Trends

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Range10D

2.54

Range1M

3.81

Range3M

4.73

Volumes: Market Activity

Volume Averages

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Rel. volume

0.78

Price X volume

576.78K

Peers

Name
Ticker
Industry
Close
Marketcap
Day Return
PE Ratio
Debt to Equity
 
 
 
 
 
 
 
 
Ames National CorporationATLOBanks - Regional - US28.78258.79M-0.62%18.5275.78%
First National CorporationFXNCBanks - Regional - US28.71257.27M-0.66%16.4653.61%
Fidelity D & D Bancorp IncFDBCBanks - Regional - US44.83257.14M-0.47%18.8559.43%
The Lovesac CompanyLOVEFurnishings Fixtures & Appliances16.46256.10M3.52%54.4290.24%
Franklin Financial Services CorporationFRAFBanks - Regional - US57.14251.92M-0.28%9.74222.36%
C&F Financial CorporationCFFIBanks - Regional - US76.2248.94M-0.34%10.6054.38%
The Bank of PrincetonBPRNBanks - Regional - US35.83246.36M0.22%10.519.40%
First United CorporationFUNCBanks - Regional - US37.76244.14M-1.92%14.0882.17%
Flexsteel Industries IncFLXSFurnishings Fixtures & Appliances46.49241.92M-7.52%22.7146.83%
LCNB CorpLCNBBanks - Regional - US16.92239.46M-1.11%29.3568.69%
  • 1

Diversifiers

Name
Ticker
Industry
Close
Marketcap
Day Return
PE Ratio
Debt to Equity
 
 
 
 
 
 
 
 
CPI Card Group IncPMTSBuilding Products & Equipment17.38193.92M-2.85%15.61-621.78%
Cosmos Group Holdings IncCOSGMedia - Diversified0.07160.51M25.00%n/a-91.95%
Kewaunee Scientific CorporationKEQUBuilding Products & Equipment34.4198.82M-0.81%5.1619.82%
Virco Mfg. CorporationVIRCBuilding Products & Equipment6.0698.71M3.59%9.0939.79%
Reading International IncRDIBMedia - Diversified9.9578.05M-0.40%n/a4054.78%
ILAGILAGBuilding Products & Equipment3.665.02M1.12%n/a5.48%
Reading International IncRDIMedia - Diversified1.1231.62M4.19%n/a4054.78%
Antelope Enterprise Holdings LimitedAEHLBuilding Products & Equipment0.9113.30M3.42%0.0316.03%
  • 1

Industry Comparison

ParameterCompanyIndustryIndicator
Enterprise to EBITDA--25.13-
Ent. to Revenue5.5773.69Cheaper
PE Ratio17.5818.44Par
Price to Book1.273,795.44Cheaper
Dividend Yield4.193.11Leader
Std. Deviation (3M)28.4832.77Par
Debt to Equity1.150.66Expensive
Debt to Assets0.090.08Expensive
Market Cap251.62M2.81BEmerging
  • 1

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