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Norwood Financial Corp. (NWFL)
Performance
Return for Risk
Dividends
Drawdowns
Volatility
Financials

Company Info

ISIN
US6695491075
CUSIP
669549107
IPO Date
Mar 2, 1998

Highlights

EPS (TTM)
$4.54
PE Ratio
6.48
PEG Ratio
0.39
Total Revenue (TTM)
$126.53M
Gross Profit (TTM)
$63.18M
EBITDA (TTM)
$26.71M
Year Range
$21.25 - $32.23
ROA (TTM)
1.14%
ROE (TTM)
11.46%

Share Price Chart


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Norwood Financial Corp.

Often compared with NWFL:
NWFL vs. SPYNWFL vs. SON

Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in Norwood Financial Corp., comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.


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S&P 500 Index

Returns By Period

Norwood Financial Corp. (NWFL) has returned 6.09% so far this year and 27.93% over the past 12 months. Over the last ten years, NWFL has returned 8.86% per year, falling short of the S&P 500 Index benchmark, which averaged 12.16% annually.


Norwood Financial Corp.

1D
-0.51%
1M
1.24%
YTD
6.09%
6M
18.51%
1Y
27.93%
3Y*
4.68%
5Y*
6.57%
10Y*
8.86%

Benchmark (S&P 500 Index)

1D
2.91%
1M
-5.09%
YTD
-4.63%
6M
-2.39%
1Y
16.33%
3Y*
16.69%
5Y*
10.18%
10Y*
12.16%
*Multi-year figures are annualized to reflect compound growth (CAGR)

Monthly Returns

Based on dividend-adjusted daily data since Mar 4, 1998, NWFL's average daily return is +0.05%, while the average monthly return is +0.82%. At this rate, your investment would double in approximately 7.1 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%.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
20269.73%-4.50%1.24%6.09%
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%
20233.59%-0.36%-14.04%-7.67%-10.27%22.43%8.93%-14.82%-5.05%0.53%8.20%18.77%2.42%
20228.03%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 10.31%, beta of 0.26, 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 (48.80%) than losses (36.37%) — typical of diversified or defensive assets.
  • Beta of 0.26 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
10.31%
Beta
0.26
0.03
Upside Capture
48.80%
Downside Capture
36.37%

Return for Risk

Risk / Return Rank

NWFL ranks 73 for risk / return — better than 73% 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.


NWFL Risk / Return Rank: 7373
Overall Rank
NWFL Sharpe Ratio Rank: 7474
Sharpe Ratio Rank
NWFL Sortino Ratio Rank: 7070
Sortino Ratio Rank
NWFL Omega Ratio Rank: 6565
Omega Ratio Rank
NWFL Calmar Ratio Rank: 7979
Calmar Ratio Rank
NWFL Martin Ratio Rank: 7676
Martin Ratio Rank
The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

Return / Risk — by metrics

The table below present risk-adjusted performance metrics for Norwood Financial Corp. (NWFL) and compare them to a chosen benchmark (S&P 500 Index).


NWFLBenchmarkDifference

Sharpe ratio

Return per unit of total volatility

1.02

0.90

+0.12

Sortino ratio

Return per unit of downside risk

1.61

1.39

+0.23

Omega ratio

Gain probability vs. loss probability

1.19

1.21

-0.02

Calmar ratio

Return relative to maximum drawdown

2.19

1.40

+0.79

Martin ratio

Return relative to average drawdown

5.03

6.61

-1.58

Explore NWFL risk-adjusted metrics in detail

Dive deeper into individual metrics with historical trends, benchmark comparisons, and performance across different time periods.

Dividends

Dividend History

Norwood Financial Corp. provided a 4.25% dividend yield over the last twelve months, with an annual payout of $1.25 per share. The company has been increasing its dividends for 11 consecutive years.


2.50%3.00%3.50%4.00%4.50%$0.00$0.20$0.40$0.60$0.80$1.00$1.2020152016201720182019202020212022202320242025
Dividends
Dividend Yield
PeriodTTM20252024202320222021202020192018201720162015
Dividend$1.25$1.24$1.20$1.16$1.12$1.04$1.00$0.96$0.88$0.86$0.83$0.82

Dividend yield

4.25%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.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
2026$0.32$0.00$0.00$0.32
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 4.25%, which is quite average when compared to the overall market.

Payout Ratio

Norwood Financial Corp. has a payout ratio of 39.80%, 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 8.29%.


Depth

Start

To Bottom

Bottom

To Recover

End

Total

-49.67%Mar 30, 1998683Dec 8, 2000523Jan 14, 20031206
-43.94%Dec 30, 201980Apr 23, 2020919Dec 15, 2023999
-33.55%Dec 27, 2023323Apr 10, 2025203Feb 2, 2026526
-29.58%Sep 26, 201881Jan 23, 2019231Dec 20, 2019312
-27.6%Nov 3, 200894Mar 19, 200969Jun 26, 2009163

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.


Annual
Quarterly

0.0

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 6.5. 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 0.4. 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
Revenue

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

Values in undefined except per share items