Stocks · Financial Services · Banks - Regional
Norwood Financial Corp. NWFL
$33.70 +1.44% Close, Oct 2, 2026 · NASDAQ · Market cap $367.0M
Strong growth
Next earnings report: Oct 27, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $3.14, up 1156.0% year over year.
- Operating margin widened to 25.5% from 3.6% a year earlier.
- Revenue over the last four quarters was $144.4M, up 33.1% from a year earlier, accelerating from 28.6% a quarter earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 12%
- EPS growth (TTM, YoY)Top 1%
- FCF growth (TTM, YoY)Top 27%
- Revenue growth, 3-year CAGRTop 43%
- Revenue growth accelerationTop 19%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 21%
- Gross marginBottom 42%
- Operating marginTop 39%
- Cash conversion (OCF / net income)Bottom 49%
- Accruals (lower is better)Bottom 42%
- Net debt / EBITDA (lower is better)Top 32%
- Interest coverBottom 39%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 22%
- Free-cash-flow yieldTop 42%
- EBITDA / enterprise valueTop 28%
- Sales / enterprise valueTop 36%
- P/E vs own 5-year history (lower is better)Top 48%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 16%
- 6-month returnTop 35%
- 1-year return vs S&P 500Top 18%
- Distance from 52-week highTop 24%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 47%
- Consecutive EPS beatsBottom 17%
- Upside to consensus price targetBottom 17%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 44%
- Maximum drawdown, 3 yearsBottom 30%
- Beta vs S&P 500 (lower is better)Top 33%
- Net debt / EBITDA (lower is better)Top 32%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 28.6% | 33.1% | ↑ |
| EPS growth (YoY) | 3011.1% | 1156.0% | ↓ |
| Gross margin | 49.7% | 62.5% | ↑ |
| Operating margin | 3.6% | 25.5% | ↑ |
| FCF margin | 19.0% | 23.3% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 33.1% | 28.6% | ↑ | Top 12% |
| EPS growth (TTM, YoY) | 1156.0% | 3011.1% | ↓ | Top 1% |
| Gross margin | 62.5% | 49.7% | ↑ | Bottom 42% |
| Operating margin | 25.5% | 3.6% | ↑ | Top 39% |
| Net margin | 20.0% | 2.9% | ↑ | — |
| Free-cash-flow margin | 23.3% | 19.0% | ↑ | — |
| Return on invested capital | 7.6% | — | Top 21% | |
| Revenue growth, 3-year CAGR | 16.7% | — | Top 43% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.15×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.1%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.6%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +25876.5 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 0.14×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.7×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 3.47%
- Net buyback yield (TTM)
- -0.18%
- Shareholder yield
- 3.29%
- Share count change, 1 year
- +0.0%
- Share count change, 3-year CAGR
- +4.3%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 3 of 8
- Average EPS surprise, last 4
- +5.3%
- Average 2-day reaction, last 8
- +0.2%
- Positive 20 days after report
- 6 of 8
Analysts
- Consensus price target
- $35.00
- Target vs current price
- +3.9%
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 22, 2026 | -0.6% | -2.0% | +10.0% | +11.0% | — |
| Apr 27, 2026 | -10.6% | -5.3% | +0.0% | -2.9% | -1.7% |
| Jan 22, 2026 | -1.2% | -2.0% | -3.3% | +5.6% | +8.1% |
| Oct 22, 2025 | +33.3% | +6.8% | +8.5% | +8.5% | +13.9% |
| Jul 22, 2025 | +2.3% | +0.2% | +0.3% | +1.9% | +3.8% |
| Apr 17, 2025 | +12.5% | +2.5% | +10.0% | +18.9% | +10.0% |
| Jan 27, 2025 | -30.9% | +0.5% | +2.3% | -2.0% | -4.1% |
| Oct 28, 2024 | — | +1.0% | +9.5% | +12.6% | -4.0% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 22, 2026 | $0.86 | $0.87 | -0.6% | $29.4M |
| Apr 27, 2026 | $0.72 | $0.81 | -10.6% | $27.3M |
| Jan 22, 2026 | $0.84 | $0.85 | -1.2% | $23.5M |
| Oct 22, 2025 | $0.94 | $0.71 | +33.3% | $23.0M |
| Jul 22, 2025 | $0.67 | $0.66 | +2.3% | $21.3M |
| Apr 17, 2025 | $0.63 | $0.56 | +12.5% | $20.2M |
| Jan 27, 2025 | $0.38 | $0.55 | -30.9% | $18.9M |
| Oct 28, 2024 | $0.48 | — | — | $30.8M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 10.7× | 9.6× | 52th | Top 22% |
| P/E (forward) | 9.7× | — | — | — |
| EV / EBITDA | 9.7× | — | — | Top 28% |
| EV / Sales | 2.58× | — | — | Top 36% |
| Free-cash-flow yield | 9.15% | — | — | Top 42% |
| Earnings yield | 9.32% | — | — | Top 22% |
P/E over the past five years
Range 7.4× – 284.7× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +33.0%
- Earnings per share growth (TTM)
- +1156.0%
- Change in P/E multiple
- -88.9%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 238
- 50-day average slope (20 days)
- +3.2%
- 200-day average slope (20 days)
- +1.9%
- Distance from 50-day average
- -1.1%
- Distance from 200-day average
- +8.5%
- RSI (14)
- 47.0
- Relative volume
- 1.13×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 21.8%
- Volatility vs own 5-year history
- 20th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.49
- Correlation with S&P 500
- 0.29
- Current drawdown from 1-year high
- -4.4%
- Maximum drawdown, 3 years
- -37.2%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jan 11, 2023 | Apr 10, 2025 | -37.5% | 563 days | 352 days (Sep 4, 2026) |
| Nov 17, 2020 | Jun 24, 2022 | -19.9% | 402 days | 92 days (Nov 3, 2022) |
| Oct 12, 2020 | Oct 30, 2020 | -12.5% | 14 days | 6 days (Nov 9, 2020) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $367.0M
- P/E (TTM)
- 10.7
- EPS, diluted (TTM)
- $3.14
- Revenue (TTM)
- $144.4M
- Dividend yield
- 4.72%
- 52-week range
- $23.82 – $35.48
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $79.4M | $85.6M | $103.7M | $101.4M | $136.1M |
| Gross profit | $69.5M | $77.4M | $64.6M | $48.4M | $86.6M |
| Operating income | $30.9M | $36.4M | $21.1M | -$258,000 | $35.5M |
| Net income | $24.9M | $29.2M | $16.8M | -$160,000 | $27.8M |
| EPS (diluted) | $3.04 | $3.58 | $2.07 | -$0.02 | $3.03 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $30.8M | $11.8M | $32.4M | $33.5M | $34.7M | $35.6M | $31.2M | $43.0M |
| Net income | $3.8M | -$12.7M | $5.8M | $6.2M | $8.3M | $7.4M | $3.7M | $9.3M |
| EPS (diluted) | $0.48 | -$1.54 | $0.63 | $0.68 | $0.90 | $0.81 | $0.41 | $1.02 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $29.2M | $30.7M | $29.8M | $22.8M | $34.0M |
| Capital expenditure | -$1.3M | -$2.2M | -$1.4M | -$3.1M | -$4.7M |
| Free cash flow | $27.9M | $28.6M | $28.4M | $19.7M | $29.2M |
| Dividends paid | -$8.5M | -$9.2M | -$9.4M | -$9.7M | -$11.5M |
| Net share buybacks | -$1.4M | -$2.5M | -$3.1M | $27.4M | -$183,000 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $499.3M
- Total assets
- $2.91B
- Total liabilities
- $2.62B
- Total debt
- $65.5M
- Net debt
- $5.2M
- Shareholders’ equity
- $289.6M
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Oct 15, 2026 | $0.32 | Nov 2, 2026 |
| Jul 15, 2026 | $0.32 | Aug 3, 2026 |
| Apr 15, 2026 | $0.32 | May 1, 2026 |
| Jan 15, 2026 | $0.32 | Feb 2, 2026 |
| Oct 15, 2025 | $0.31 | Nov 3, 2025 |
| Jul 15, 2025 | $0.31 | Aug 1, 2025 |
| Apr 15, 2025 | $0.31 | May 1, 2025 |
| Jan 15, 2025 | $0.31 | Feb 3, 2025 |
Short interest
- Shares sold short
- 165,224
- Days to cover
- 5.35
- Change vs previous report
- +7.6%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Sep 18, 2017
- 3-for-2
- Aug 18, 2017
- 3-for-2
- May 13, 2013
- 11-for-10
- May 10, 2006
- 21-for-20
- Jun 17, 2003
- 3-for-2