NWFL · Norwood Financial Corp

Track NWFL — free

$33.78 +0.18 (+0.54%) At close · Aug 20

Market Cap

$366.31M

10.90M

Up next

Next earnings call

Oct 25, 2026 Est · unconfirmed · in 9 wks

FQ3-26 quarter ends

~Sep 30, 2026 Est

Latest filing: 10-Q

filed Aug 7, 2026

AI Brief

TL;DR.

Bullish

Bearish

AI-generated from the earnings call and 8-K · may contain errors · not investment advice

Ask ALVIS about this →

Equibles Rating

blended score · not investment advice

Overall

Strong Buy

SellHoldBuy

Technical Buy Momentum Very Strong Sentiment Very Bullish Fundamentals Excellent Quant / Vol Low

Market backdrop VIX 14.9 · calm Equity put/call 0.52

Technical

price trend

Buy

50 / 200-day cross No cross

Price vs 200-day avg +12%

above

Price vs 50-day avg +4%

above

RSI (14) 54

neutral

MACD trend Negative

52-week position 93%

near high

Volume (OBV) Confirms

volume backs price

Momentum

relative strength

Very Strong

1-month return +5%

trailing

6-month return +16%

trailing

YTD return +20%

this year

Relative strength +5%

vs S&P · 6-mo

Sentiment

smart money

Very Bullish

Trend (MA cross) No cross

50d $32 › 200d $30 — 50d above 200d

Institutional flow Accumulating

+2% holders QoQ · +14 funds added

Insider flow Accumulating

Net +$128.2K over 90 days · 0% sells

Short interest Falling

1.16% of float · ▼ -13.8% MoM · 3.2 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

109 holders — near 3-yr high, broad support

Squeeze score 50

elevated · 0–100

Fundamentals

Excellent

Revenue growth +8%

Y/Y

EPS growth +15150%

Y/Y

Free cash flow $29.2M

Valuation P/E 11.5

below peers

Balance sheet $3.6M

net cash

Quant / Vol

risk profile

Low

Volatility 27%

annualized · 1-yr

Max drawdown −13%

past year

ATR 2.8%

of price · 14-day

Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

Technicals

trend & momentum for long-term holders Buy

1 · 3 · 3

50 / 200-day cross

No cross Neutral

Price vs 200-day avg

+12% Bullish

Price vs 50-day avg

+4% Bullish

RSI (14)

54 Neutral

MACD trend

Negative Bearish

52-week position

93% Bullish

Volume (OBV)

Confirms Neutral

Market signals — smart money & positioning

Bullish · 4 of 6

Trend (MA cross) No cross

50d $32 › 200d $30 — 50d above 200d

Institutional flow Accumulating

+2% holders QoQ · +14 funds added

Insider flow Accumulating

Net +$128.2K over 90 days · 0% sells

Short interest Falling

1.16% of float · ▼ -13.8% MoM · 3.2 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

109 holders — near 3-yr high, broad support

Price context

position in its 52-week range

Range low $24 Now $34 · 93% Range high $35

vs 200-day avg +12% vs 50-day avg +4%

Illustrative technical + ownership context — a signal mix, not investment advice.

Key metrics

the company's own KPIs, from written earnings releases and filings

Metric	Latest	Period	YoY
Annualized return on average assets	1.28%	the three months ended June 30, 2026 filing	—
Annualized return on average equity	12.98%	the three months ended June 30, 2026 filing	—
Net charge-offs	1.4M	the quarter ended June 30, 2026 filing	—
ACL / Loans	1.13%	Q2 2026	—
Adjusted Earnings per Share, Diluted non-GAAP	$1.59	Six Months Ended June 30	—
Adjusted Net Income non-GAAP	$9.4M	Q2 2026	—
Adjusted Pre Provision Net Revenue non-GAAP	$13.6M	Q2 2026	—
Adjusted Return on Average Assets non-GAAP	1.28%	Q2 2026	—
Adjusted Return on Tangible Equity non-GAAP	15.28%	Q2 2026	—
Average tangible equity non-GAAP	249.59M	Six months ended June 30	—
Cost of Deposits	2.06%	2026 Q2	—
Municipal Deposits	493M	Q2 2026	—
Net Charge Offs / Loans	0.24%	Q2 2026	—
Net interest income on a fully taxable equivalent basis non-GAAP	51.77M	Six months ended June 30	—
Net Interest Margin (fte) non-GAAP	3.9%	Q2 2026	—

Net Interest Spread (fte) non-GAAP	3.27%	Q2 2026	—

Non-performing Loans / Loans	1.23%	Q2 2026	—
Nonperforming assets to total assets	0.98%	June 30, 2026	—
Reserves / NPAs	90%	Q2 2026	—
Tangible book value per share	$22.96	June 30, 2026	—
Total deposits	2.5B	Q2 2026	—
Community Offices	33	three months ended March 31, 2026	—
Tangible Common Equity as a percent of Tangible Assets	8.49%	three months ended March 31, 2026	—
Full year deposit growth	11.8%	Full Year 2025	—
Full year loan growth	8.2%	Full Year 2025	—
Non-interest bearing DDA growth	10%	Full Year 2025	—
Pre Provision Net Revenue (PPNR) non-GAAP	$36.79M	twelve months ended Dec-25	—

Pre Provision Net Revenue (PPNR) [excluding merger charges and loss on sale of securities] non-GAAP	$38.03M	twelve months ended Dec-25	—
Return on average assets non-GAAP	1.17%	twelve months ended Dec-25	—
Return on average tangible equity non-GAAP	14.03%	twelve months ended Dec-25	—
Return on average tangible equity [excluding merger charges and loss on sale of securities] non-GAAP	14.53%	twelve months ended Dec-25	—
Tangible book value per share growth	15.4%	Full Year 2025	—
Tangible Common Equity Ratio	8.88%	Dec-25	—

Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

Versus peers

Banks - Regional — same industry group

Open screener →

Company	Mkt cap	YTD	Rev growth Y/Y	P/E	Short % shares
NWFL Norwood Financial Corp this stock	$366.31M	+20.4%	+8.1%	11.5	1.2%
MFG Mizuho Financial Group Inc	$123.19B	+38.4%	—	—	0.1%
HDB Hdfc Bank Ltd	$118.97B	-36.1%	+15.2%	—	0.5%
IBN Icici Bank Ltd	$105.45B	-0.4%	—	—	0.5%
CIXPF CaixaBank/ADR	$100.59B	+18.7%	—	—	0.1%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section

Ownership

Institutional Holders Reducing

Holders

109

% held: 40.3%
Net QoQ: -50.2K sh
Top holder: BlackRock, Inc.

Held Float

View

Held by Funds

Fund positions

126

View

Short & Settlement

Short Interest Falling

Shares short

126.0K

Days to cover: 3.2d
Change: -20.2K sh

View

Short Volume

Short vol %

54%

As of: Aug 20, 2026

Short Total

View

Fails to Deliver

FTD shares

5.9K

Value: $200.0K
As of: Jul 30, 2026

View

Off-Exchange

Off-exchange %

29.6%

Week of: Jul 13, 2026

Off-exch Lit

View

Smart Money

Insider Trades Net buying

Net (90d)

+$128.2K

Buyers / Sellers: 2 / 0

Buyers Sellers

View

Financials

Revenue (FY)

$8.0M

Net income (FY): $27.8M
EPS diluted: $3.01

View

Filings

SEC Filings

Latest

10-Q

Filed: Aug 7, 2026
This year: 15

View

Earnings & Events

Earnings Calls

Last call

Jul 22, 2026

View

Performance

	5D	20D	120D	MTD	YTD
NWFL	-2.1%	+4.9%	+16.2%	-0.6%	+20.4%
SPY	-2.0%	+3.3%	+11.2%	+2.1%	+11.8%
vs SPY	-0.1%	+1.6%	+5.1%	-2.7%	+8.6%

Capital returns

Latest dividend

$0.32 / share · ex Jul 15, 2026

Raised 3.2%

Paid (TTM)

$1.27 / share · 4 payouts

Dividend yield (TTM, derived)

3.76%

Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

Key facts CIK 1013272 CUSIP 669549107 13F (30d) 97 filings 96 filers Visit website Investor relations

NWFL · Norwood Financial Corp

Price & Indicators

Up next

AI Brief

Equibles Rating

Technicals

Key metrics

Versus peers

At a glance

Performance

Capital returns