- ISIN
- US6695491075
- CUSIP
- 669549107
- Sector
- Financial Services
- Industry
- Banks - Regional
- IPO Date
- Mar 2, 1998
Highlights
- EPS (TTM)
- $3.74
- PE Ratio
- 7.85
- PEG Ratio
- 0.47
- Total Revenue (TTM)
- $142.09M
- Gross Profit (TTM)
- $67.28M
- EBITDA (TTM)
- $28.94M
- Year Range
- $23.70 - $32.23
- Target Price
- $33.00
- ROA (TTM)
- 0.88%
- ROE (TTM)
- 9.06%
Share Price Chart
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Performance
NWFL Performance Chart
Norwood Financial Corp. (NWFL) is up 7.0% since the beginning of the year. At $29 per share, NWFL is trading 8.9% below its 52-week high of $32. Investors who bought $1,000 worth of NWFL shares 5 years ago would now be looking at an investment worth $1,426.
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Returns By Period
Norwood Financial Corp. (NWFL) has returned 6.97% so far this year and 17.58% over the past 12 months. Over the last ten years, NWFL has returned 8.66% per year, falling short of the S&P 500 Index benchmark, which averaged 13.66% annually.
Norwood Financial Corp.
- 1D
- -3.86%
- 1M
- -0.17%
- YTD
- 6.97%
- 6M
- 3.47%
- 1Y
- 17.58%
- 3Y*
- 10.08%
- 5Y*
- 7.35%
- 10Y*
- 8.66%
Benchmark (S&P 500 Index)
- 1D
- -0.74%
- 1M
- 4.90%
- YTD
- 10.35%
- 6M
- 10.28%
- 1Y
- 26.52%
- 3Y*
- 20.83%
- 5Y*
- 12.30%
- 10Y*
- 13.66%
NWFL Monthly Returns History
Based on dividend-adjusted daily data since Mar 4, 1998, NWFL's average daily return is +0.05%, while the average monthly return is +0.81%. At this rate, an investment would double in approximately 7.2 years.
Historically, 54% of months were positive and 46% were negative. The best month was Mar 1998 with a return of +25.1%, while the worst month was Jan 2024 at -15.9%. The longest winning streak lasted 7 consecutive months, and the longest losing streak was 6 months.
On a daily basis, NWFL closed higher 39% of trading days. The best single day was Mar 13, 2020 with a return of +20.6%, while the worst single day was Mar 18, 2020 at -16.7%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 9.73% | -4.50% | 1.24% | 0.52% | 3.28% | -2.88% | 6.97% | ||||||
| 2025 | -0.99% | -2.93% | -6.46% | 4.92% | 3.96% | -0.85% | -4.83% | 11.63% | -6.06% | 5.97% | 7.70% | -2.13% | 8.41% |
| 2024 | -15.93% | 0.80% | -1.45% | -10.37% | 5.06% | 0.28% | 17.49% | -7.60% | 1.25% | 7.45% | 5.35% | -11.96% | -13.60% |
| 2023 | 3.59% | -0.36% | -14.04% | -7.67% | -10.27% | 22.43% | 8.93% | -14.82% | -5.05% | 0.53% | 8.20% | 18.77% | 2.42% |
| 2022 | 8.03% | 1.12% | 1.71% | -1.03% | -6.17% | -7.72% | 8.35% | -1.89% | 4.24% | 7.95% | 12.61% | 4.57% | 34.10% |
| 2021 | -4.79% | 3.48% | 4.19% | -3.25% | -0.31% | 2.32% | -2.46% | 1.59% | -0.00% | 3.68% | -1.57% | 0.89% | 3.36% |
Benchmark Metrics
Norwood Financial Corp. has an annualized alpha of 10.14%, beta of 0.27, and R2 of 0.03 versus S&P 500 Index. Calculated based on daily prices since March 05, 1998.
- This stock participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (48.12%) than losses (36.95%) - typical of diversified or defensive assets.
- Beta of 0.27 may look defensive, but with R2 of 0.03 this stock is largely uncorrelated with S&P 500 Index - low beta reflects independence, not downside protection. See the Volatility section for a true picture of this stock's risk.
- R2 of 0.03 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.
- Alpha
- 10.14%
- Beta
- 0.27
- R²
- 0.03
- Upside Capture
- 48.12%
- Downside Capture
- 36.95%
Return for Risk
Risk / Return Rank
NWFL ranks 63 for risk / return — better than 63% of stocks on our site. You're getting solid returns for the risk taken. A good sign, especially for investors who want growth without excessive volatility.
Return / Risk — by metrics
The table below present risk-adjusted performance metrics for Norwood Financial Corp. (NWFL) and compare them to S&P 500 Index.
| NWFL | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -1.58 | ||
| Sortino ratioReturn per unit of downside risk | -1.96 | ||
| Omega ratioGain probability vs. loss probability | 1.14 | 1.41 | -0.27 |
| Calmar ratioReturn relative to maximum drawdown | 1.37 | 2.93 | -1.56 |
| Martin ratioReturn relative to average drawdown | 3.26 | 13.52 | -10.26 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
Dividends
Dividend History
Norwood Financial Corp. provided a 4.29% dividend yield over the last twelve months, with an annual payout of $1.26 per share. The company has been increasing its dividends for 11 consecutive years.
| Period | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | $1.26 | $1.24 | $1.20 | $1.16 | $1.12 | $1.04 | $1.00 | $0.96 | $0.88 | $0.86 | $0.83 | $0.82 |
Dividend yield | 4.29% | 4.42% | 4.41% | 3.52% | 3.35% | 4.00% | 3.82% | 2.47% | 2.67% | 2.61% | 3.74% | 4.28% |
Monthly Dividends
The table displays the monthly dividend distributions for Norwood Financial Corp.. The dividends shown in the table have been adjusted to account for any splits that may have occurred.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | $0.32 | $0.00 | $0.00 | $0.32 | $0.00 | $0.00 | $0.64 | ||||||
| 2025 | $0.31 | $0.00 | $0.00 | $0.31 | $0.00 | $0.00 | $0.31 | $0.00 | $0.00 | $0.31 | $0.00 | $0.00 | $1.24 |
| 2024 | $0.30 | $0.00 | $0.00 | $0.30 | $0.00 | $0.00 | $0.30 | $0.00 | $0.00 | $0.30 | $0.00 | $0.00 | $1.20 |
| 2023 | $0.29 | $0.00 | $0.00 | $0.29 | $0.00 | $0.00 | $0.29 | $0.00 | $0.00 | $0.29 | $0.00 | $0.00 | $1.16 |
| 2022 | $0.28 | $0.00 | $0.00 | $0.28 | $0.00 | $0.00 | $0.28 | $0.00 | $0.00 | $0.28 | $0.00 | $0.00 | $1.12 |
| 2021 | $0.26 | $0.00 | $0.00 | $0.26 | $0.00 | $0.00 | $0.26 | $0.00 | $0.00 | $0.26 | $0.00 | $0.00 | $1.04 |
Dividend Yield & Payout
Dividend Yield
Norwood Financial Corp. has a dividend yield of 4.29%, which is quite average when compared to the overall market.
Payout Ratio
Norwood Financial Corp. has a payout ratio of 44.69%, which is quite average when compared to the overall market. This suggests that Norwood Financial Corp. strikes a balance between reinvesting profits for growth and paying dividends to shareholders.
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
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Worst Drawdowns
The table below displays the maximum drawdowns of the Norwood Financial Corp.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the Norwood Financial Corp. was 49.67%, occurring on Dec 8, 2000. Recovery took 523 trading sessions.
The current Norwood Financial Corp. drawdown is 7.53%.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
Dot-com crash2000–2002 | -49.67%Dec 2000 | 2y 8mo | 2y 1mo | 4y 9moMar 1998 - Jan 2003 |
COVID crash2020 | -43.94%Apr 2020 | 3mo 25d | 3y 7mo | 3y 11moDec 2019 - Dec 2023 |
2025 selloff2025 | -33.55%Apr 2025 | 1y 3mo | 9mo 28d | 2y 1moDec 2023 - Feb 2026 |
2019 bear market2019 | -29.58%Jan 2019 | 3mo 29d | 11mo 1d | 1y 2moSep 2018 - Dec 2019 |
Financial crisis2007–2009 | -27.60%Mar 2009 | 4mo 16d | 3mo 9d | 7mo 25dNov 2008 - Jun 2009 |
Drawdown Indicators
| NWFL | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -49.67% | -56.78% | +7.11% |
Max Drawdown (1Y)Largest decline over 1 year | -12.87% | -9.10% | -3.77% |
Max Drawdown (3Y)Largest decline over 3 years | -33.55% | -18.90% | -14.65% |
Max Drawdown (5Y)Largest decline over 5 years | -33.55% | -25.43% | -8.12% |
Max Drawdown (10Y)Largest decline over 10 years | -43.94% | -33.92% | -10.02% |
Current DrawdownCurrent decline from peak | -7.53% | -0.74% | -6.79% |
Average DrawdownAverage peak-to-trough decline | -14.31% | -10.72% | -3.59% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 5.42% | 1.97% | +3.45% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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Financials
Financial Performance
The chart below illustrates the trends in the financial health of Norwood Financial Corp. over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.
Valuation
The Valuation section provides an overview of how Norwood Financial Corp. is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.
PE Ratio
The chart displays the Price-to-Earnings (P/E) ratio for NWFL, comparing it with other companies in the Banks - Regional industry. Currently, NWFL has a P/E ratio of 7.8. This P/E ratio is considered low compared to industry peers, which may suggest that the stock is undervalued or that the company has weaker growth prospects.
PEG Ratio
The chart shows the Price/Earnings to Growth (PEG) ratio for NWFL compared to other companies in the Banks - Regional industry. NWFL currently has a PEG ratio of 0.5. This PEG ratio is close to the industry average, suggesting the stock’s valuation is balanced against its growth outlook.
PS Ratio
This chart shows the Price-to-Sales (P/S) ratio for NWFL relative to other companies in the Banks - Regional industry. Currently, NWFL has a P/S ratio of 1.4. This P/S ratio falls within the average range for the industry, suggesting the stock is fairly valued based on its revenue.
Income Statement
| TTM | |
|---|---|
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Total Revenue | — |
Cost Of Revenue | — |
Gross Profit | — |
Operating Expenses | — |
Selling, General & Admin Expenses | — |
R&D Expenses | — |
Depreciation And Amortization | — |
Total Operating Expenses | — |
Income | — |
Income Before Tax | — |
Operating Income | — |
EBITDA | — |
EBIT | — |
Earnings From Continuing Operations | — |
Net Income | — |
Income Tax Expense | — |
Other Non-Operating Income (Expenses) | — |
Extraordinary Items | — |
Discontinued Operations | — |
Effect Of Accounting Charges | — |
Non Recurring | — |
Minority Interest | — |
Other Items | — |
Interest Income | — |
Interest Expense | — |
Net Interest Income | — |
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