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Norwood Financial

NWFL

Norwood Financial Corp is a bank holding company that operates Wayne Bank, an independent community financial institution serving Northeastern Pennsylvania and several counties in New York.

Market cap
$371.74M+66.6%
Revenue$95.0M+71.0%
Net income$25.7M+2,081%
Free cash flow$26.6M+10.2%
EPS (diluted)$2.70+4,400%
Trailing twelve months · change vs. prior year

Earnings

Next report

Oct 28, 2026 (in 3 months)
Revenue estimate$30.1M
EPS estimate$0.95

Financials

Q1 2026

Income statement

See full
Revenue$27.3M+34.9%
Net income$3.7M-35.4%
EPS (diluted)$0.35-44.4%

Balance sheet

See full
Cash & equivalents$102.6M+36.0%
Total equity$283.9M+28.6%
Total assets$2.9B+22.8%

Cash flow

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Operating cash flow$6.0M-34.1%
CapEx$455.0K-51.2%
Free cash flow$5.5M-32.1%

Valuation & ratios

Valuation

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Market cap$371.74M+66.6%
P/E14.5×-55.7×
P/S3.9×+0.2×

Profitability

See full
Net margin27.1%+24.9pp
FCF margin28%-15.4pp

Returns & leverage

See full
Return on equity10.2%+9.6pp

Segments

By product

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Debit Card$704.0K+19.5%
Overdraft Fees$421.0K+16.0%
Financial Service Other$332.0K+84.4%
Fiduciary Activities$238.0K-26.8%
Commissions On Mutual Funds And Annuities$199.0K+36.3%

Competitors

Profile

Norwood Financial Corp is a bank holding company that operates Wayne Bank, an independent community financial institution serving Northeastern Pennsylvania and several counties in New York. The company provides a comprehensive suite of personal and business banking services, including credit, trust, and investment products. Its core value proposition centers on delivering localized community banking expertise through a network of nearly thirty branch offices and integrated wealth management services.

Competitive position

A leading community bank in Delaware County, NY and Wayne County, PA, maintaining significant deposit market share in its primary rural and suburban service areas.

GeographiesPennsylvania, New York, United States
Customer segmentsRetail, Commercial, Municipal, Non-profit
Business modelInterest-based Lending, Fee-based Services, Asset Management
SuppliersFederal Reserve System, Federal Home Loan Bank of Pittsburgh, FDIC, Technology and Core Banking Providers
CustomersSmall and Medium Enterprises, Residential Mortgage Borrowers, Local Municipal Governments, Retail Depositors
Listed1996
Employees265.0
CEOJames O. Donnelly
Websitewayne.bank
FilingsSEC EDGAR

FAQ

What is Norwood Financial's market cap?
Norwood Financial (NWFL) has a market capitalization of $371.7M and trades on NASDAQ.
What is Norwood Financial's revenue and profitability?
Norwood Financial generated $95.0M in trailing twelve-month revenue with net income of $25.7M, representing a net margin of 27.1%, with free cash flow of $26.6M. These figures are based on the Q1 2026 filing.
Who are Norwood Financial's competitors?
Norwood Financial's key competitors include PNC Financial Services Group, Inc., M&T Bank Corporation, Citizens & Northern Corporation, and others. These companies compete in similar markets and product categories.
Who does Norwood Financial partner with?
Norwood Financial's notable partners include LPL Financial LLC, Federal Home Loan Bank of Pittsburgh.
What subsidiaries does Norwood Financial have?
Norwood Financial's subsidiaries include Wayne Bank, Norwood Investment Corp., WCB Realty Corp., and others.
Where is Norwood Financial headquartered?
Norwood Financial is headquartered in United States of America and employs approximately 265 people. It has been publicly traded since 1996.