Norwood Financial Corp. (NWFL)
Nasdaq · State Commercial Banks · Finance, insurance and real estate · CIK 1013272 · fiscal year ends in Dec
Closing price $35.68 on 30 Oct 2026; 52-week range $26.30 to $36.88.
Key figures
The last twelve months reported, with the latest price and balance sheet.
- Revenue, last twelve months
- $103.1M
- Revenue growth
- 75.5%
- Net income, last twelve months
- $28.8M
- Earnings per share
- $2.91
- Net margin
- 28.0%
- Free cash flow
- $30.0M
- Return on equity
- 10.0%
- Market value
- $389.0M
- Price to earnings
- 12.3x
- Dividend yield
- 3.6%
- Cash
- $60.3M
- Debt
- $65.5M
- Debt to equity
- 0.23
- Shares outstanding
- 10.9M
Financial statements
Revenue, profit and cash flow by fiscal year, each year linked to its annual report.
| Fiscal year | Year end | Revenue | Operating income | Net income | EPS | Free cash flow | Filing |
|---|---|---|---|---|---|---|---|
| FY2025 | 31 Dec 2025 | $87.9M | – | $27.8M | $3.01 | $29.2M | 10-K filed 13 Mar 2026 |
| FY2024 | 31 Dec 2024 | $51.0M | – | -$160.0K | -$0.02 | $19.7M | 10-K filed 14 Mar 2025 |
| FY2023 | 31 Dec 2023 | $70.2M | – | $16.8M | $2.07 | $28.4M | 10-K filed 14 Mar 2024 |
| FY2022 | 31 Dec 2022 | $78.3M | – | $29.2M | $3.58 | $28.6M | 10-K filed 17 Mar 2023 |
| FY2021 | 31 Dec 2021 | $73.6M | – | $24.9M | $3.04 | $27.9M | 10-K filed 11 Mar 2022 |
By quarter
| Quarter | Quarter end | Revenue | Net income | EPS |
|---|---|---|---|---|
| Q2 FY2026 | 30 Jun 2026 | $29.4M | $9.3M | $0.86 |
| Q1 FY2026 | 31 Mar 2026 | $27.3M | $3.7M | $0.35 |
| Q4 FY2025 | 31 Dec 2025 | $23.5M | $7.4M | $0.81 |
| Q3 FY2025 | 30 Sep 2025 | $23.0M | $8.3M | $0.89 |
| Q2 FY2025 | 30 Jun 2025 | $21.3M | $6.2M | $0.67 |
| Q1 FY2025 | 31 Mar 2025 | $20.2M | $5.8M | $0.63 |
| Q4 FY2024 | 31 Dec 2024 | -$1.0M | -$12.7M | -$1.54 |
| Q3 FY2024 | 30 Sep 2024 | $18.2M | $3.8M | $0.48 |
Company events
The newest 8-K filings of 280 held.
| Filed | Form | Event | Items |
|---|---|---|---|
| 27 Oct 2026 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
| 16 Sep 2026 | 8-K | Other events | 8.01, 9.01 |
| 28 Aug 2026 | 8-K | Other events | 8.01, 9.01 |
| 27 Jul 2026 | 8-K | Investor update | 7.01, 9.01 |
| 22 Jul 2026 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
| 18 Jun 2026 | 8-K | Other events | 8.01, 9.01 |
| 18 Jun 2026 | 8-K | Investor update | 7.01 |
| 4 May 2026 | 8-K | Shareholder vote | 5.07 |
| 28 Apr 2026 | 8-K | Investor update | 7.01, 9.01 |
| 27 Apr 2026 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
| 22 Jan 2026 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
| 12 Jan 2026 | 8-K | Results | 2.02, 9.01 |
Every filing
The newest filings with the SEC of 519 held.
| Filed | Form | Period |
|---|---|---|
| 27 Oct 2026 | 8-K | 27 Oct 2026 |
| 16 Sep 2026 | 8-K | 16 Sep 2026 |
| 28 Aug 2026 | 8-K | 28 Aug 2026 |
| 7 Aug 2026 | 10-Q | 30 Jun 2026 |
| 27 Jul 2026 | 8-K | 27 Jul 2026 |
| 22 Jul 2026 | 8-K | 22 Jul 2026 |
| 18 Jun 2026 | 8-K | 18 Jun 2026 |
| 18 Jun 2026 | 8-K | 18 Jun 2026 |
| 8 May 2026 | 10-Q | 31 Mar 2026 |
| 4 May 2026 | 8-K | 28 Apr 2026 |
| 28 Apr 2026 | 8-K | 28 Apr 2026 |
| 27 Apr 2026 | 8-K | 27 Apr 2026 |
Insider trades
Form 4 trades by officers, directors and 10% owners, last 12 months.
| Traded | Insider | Type | Shares | Price | Value | Held after | Form 4 |
|---|---|---|---|---|---|---|---|
| 2 Sep 2026 | O'Bell Vincent, EVP & Chief Lending Officer | Sale outside a trading plan | 1,500 | $34.50 | $51.8K | 4,392 | 4 Sep 2026 |
| 2 Sep 2026 | O'Bell Vincent, EVP & Chief Lending Officer | Sale outside a trading plan | 1,100 | $34.50 | $38.0K | 4,792 | 4 Sep 2026 |
| 2 Sep 2026 | O'Bell Vincent, EVP & Chief Lending Officer | Sale outside a trading plan | 100 | $34.61 | $3.5K | 4,692 | 4 Sep 2026 |
| 2 Sep 2026 | O'Bell Vincent, EVP & Chief Lending Officer | Sale outside a trading plan | 300 | $34.67 | $10.4K | 4,392 | 4 Sep 2026 |
| 28 Jul 2026 | Shook James, Director | Purchase | 3,100 | $34.55 | $107.1K | 12,586 | 30 Jul 2026 |
| 26 May 2026 | Schmalzle Ronald R, Director | Purchase | 700 | $30.19 | $21.1K | 27,168 | 27 May 2026 |
| 12 May 2026 | Forte Andrew, Director | Purchase | 270 | $29.58 | $8.0K | 7,624 | 13 May 2026 |
| 5 May 2026 | Carroll Joseph W, Director | Purchase | 76 | $29.46 | $2.2K | 41,670 | 6 May 2026 |
| 5 May 2026 | Carroll Joseph W, Director | Purchase | 24 | $29.43 | $706 | 41,694 | 6 May 2026 |
| 5 May 2026 | Carroll Joseph W, Director | Purchase | 100 | $29.44 | $2.9K | 1,004 | 6 May 2026 |
| 5 May 2026 | Carroll Joseph W, Director | Purchase | 96 | $29.46 | $2.8K | 1,100 | 6 May 2026 |
| 5 May 2026 | Carroll Joseph W, Director | Purchase | 100 | $29.42 | $2.9K | 824 | 6 May 2026 |
Planned insider sales
Form 144 notices, filed when the sell order goes to the broker.
| Filed | Seller | Shares | Value | Planned sale |
|---|---|---|---|---|
| 25 Aug 2026 | O'Bell Vincent (NWFL), Officer | 3,000 | $102.3K | 27 Aug 2026 |
Large holders
Schedule 13D and 13G filings by holders of more than 5% of the voting shares.
| Filed | Holder | Schedule | Stake | Shares |
|---|---|---|---|---|
| 13 Aug 2026 | Wellington Management Group LLP | 13G amended | 5.21% | 567.5K |
| 15 May 2026 | Wellington Management Group LLP | 13G amended | 6.9% | 750.8K |
| 10 Feb 2026 | Bay Pond Partners, L.P. | 13G amended | 5% | 460.3K |
| 10 Feb 2026 | Wellington Management Group LLP | 13G amended | 9.6% | 888.8K |
| 4 Dec 2025 | Bay Pond Partners, L.P. | 13G | 5.13% | 475.3K |
Short interest
Shares sold short and not yet bought back, on each FINRA settlement date.
| Settlement | Shares short | Change | Days to cover |
|---|---|---|---|
| 15 Oct 2026 | 156.5K | +3.15% | 4.73 |
| 30 Sep 2026 | 151.8K | -8.14% | 4.18 |
| 15 Sep 2026 | 165.2K | +7.63% | 5.35 |
| 31 Aug 2026 | 153.5K | +5.79% | 5.11 |
| 14 Aug 2026 | 145.1K | +15.2% | 3.8 |
| 31 Jul 2026 | 126.0K | -13.84% | 3.17 |
| 15 Jul 2026 | 146.2K | +4.43% | 5.06 |
| 30 Jun 2026 | 140.0K | +49.84% | 1.63 |
Funds that hold it
From each fund's latest Form 13F.
118 funds held it at 30 Jun 2026: 59 added and 21 trimmed in the quarter. The largest:
| Fund | Shares | Value | Change in the quarter |
|---|---|---|---|
| BlackRock, Inc. | 776,358 | $25.0M | +115,675 |
| Wellington Management Group LLP | 567,505 | $18.2M | -183,286 |
| Vanguard Capital Management LLC | 441,759 | $14.2M | +13,701 |
| Geode Capital Management, LLC | 258,159 | $8.3M | +20,744 |
| Manufacturers Life Insurance Company, the | 174,278 | $5.6M | -783 |
| Bulldog Investors, LLP | 170,000 | $5.5M | 0 |
| Cornerstone Wealth Group, LLC | 166,585 | $5.4M | 0 |
| Dimensional Fund Advisors LP | 166,006 | $5.3M | +10,098 |
| State Street Corp. | 155,948 | $5.0M | +14,280 |
| Raymond James Financial Inc. | 97,899 | $3.1M | -447 |
Peers
Companies in the same industry.
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- Itaú Unibanco Holding S.A. (ITUB): revenue $30.1B, market value $78.6B
- Fifth Third Bancorp (FITB): revenue $10.7B, market value $48.9B
- State Street Corp. (STT): revenue $15.5B, market value $46.3B
- M&T Bank Corp. (MTB): revenue $10.0B, market value $31.9B
- Northern Trust Corp. (NTRS): revenue $9.3B, market value $30.7B
- Banco Bradesco S.A. (BBD): revenue –, market value $27.0B
- Citizens Financial Group Inc. (CFG): revenue $8.9B, market value $26.9B
- First Citizens Bancshares Inc. (FCNCA): revenue $9.6B, market value $26.6B