NWFL Stock - Norwood Financial Corp.
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Financial Statements
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $101.43M | $103.66M | $85.60M | $79.43M | $66.23M |
| Gross Profit | $48.37M | $64.64M | $77.43M | $69.47M | $52.81M |
| Gross Margin | 47.7% | 62.4% | 90.5% | 87.5% | 79.7% |
| Operating Income | $-258,000 | $21.15M | $36.38M | $30.86M | $18.37M |
| Net Income | $-160,000 | $16.76M | $29.23M | $24.91M | $15.08M |
| Net Margin | -0.2% | 16.2% | 34.2% | 31.4% | 22.8% |
| EPS | $-0.02 | $2.08 | $3.59 | $3.05 | $2.09 |
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; 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 fourteen offices in Northeastern Pennsylvania; and sixteen offices in Delaware, Sullivan, Ontario, Otsego, and Yates Counties, New York, as well as thirty-one automated teller machines. Norwood Financial Corp. was founded in 1870 and is headquartered in Honesdale, Pennsylvania.
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Price Targets
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| January 8th 2025 | Piper Sandler | Initiation | Neutral | $28 |
| January 2nd 2025 | Janney | Initiation | Buy | $31 |
Earnings History & Surprises
NWFLEPS Surprise History
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 15, 2026 | — | — | — | — |
Q1 2026 | Jan 26, 2026 | $0.85 | — | — | — |
Q4 2025 | Oct 22, 2025 | $0.68 | $0.94 | +38.2% | ✓ BEAT |
Q3 2025 | Jul 22, 2025 | $0.69 | $0.67 | -3.6% | ✗ MISS |
Q2 2025 | Apr 17, 2025 | $0.59 | $0.63 | +6.8% | ✓ BEAT |
Q1 2025 | Jan 27, 2025 | $0.55 | $0.38 | -30.9% | ✗ MISS |
Q4 2024 | Oct 28, 2024 | — | $0.48 | — | — |
Q3 2024 | Jul 26, 2024 | — | $0.52 | — | — |
Q2 2024 | Apr 22, 2024 | — | $0.55 | — | — |
Q1 2024 | Jan 29, 2024 | — | $0.04 | — | — |
Q4 2023 | Oct 24, 2023 | — | $0.51 | — | — |
Q3 2023 | Jul 26, 2023 | — | $0.81 | — | — |
Q2 2023 | Apr 21, 2023 | — | $0.71 | — | — |
Q1 2023 | Jan 27, 2023 | — | $0.88 | — | — |
Q4 2022 | Oct 26, 2022 | — | $1.00 | — | — |
Q3 2022 | Jul 22, 2022 | — | $0.84 | — | — |
Q2 2022 | Apr 18, 2022 | — | $0.87 | — | — |
Q1 2022 | Jan 28, 2022 | — | $0.81 | — | — |
Q4 2021 | Oct 26, 2021 | — | $0.85 | — | — |
Q3 2021 | Jul 23, 2021 | — | $0.70 | — | — |
Latest News
Norwood Financial Receives Regulatory Approval For PB Bankshares Acquisition
📈 PositiveUPDATE: Norwood Financial Q3 Adj. EPS $0.94 Beats $0.70 Estimate,
📈 PositiveNorwood Financial Q3 EPS $0.89 Beats $0.69 Estimate, Sales $22.963M Beat $21.900M Estimate
📈 PositiveFrequently Asked Questions about NWFL
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