NWFL
Norwood Financial Corp.
NasdaqGMUSDEQUITY
Financial Services
DELAYED
Buy
+39/100
Last price
34.07
▲ 0.31 (0.92%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
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Open
33.85
Prev close
33.76
Day high
34.36
Day low
33.85
Volume
22.45K
Market cap
$371.43M
P/E (TTM)
11.67
52W range
23.82 – 35.48
Day trading desk
Gap from prior close
+0.27%
Prior close 33.76
VWAP
34.12
-0.13% from price
Relative volume
0.40×
Quiet session
Session range
1.51%
33.85 – 34.36
Position in range
43%
Mid range
ATR (14D)
0.77
2.25% of price
Prior day high
33.97
PDH
Prior day low
33.51
PDL
Bid / ask spread
—
Quote not published
Session volume
13.87K
Avg 34.57K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
+2.19%
+0.2%
1M
-1.84%
-3.0%
3M
+10.22%
+5.7%
6M
+11.19%
-7.0%
YTD
+21.46%
+7.2%
1Y
+33.66%
+17.2%
3Y
+32.26%
-50.0%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on NWFL open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
+13.09K
Net buying
Buy transactions
83
16.09K shares
Sell transactions
1
3.00K shares
Net transactions
+84
Buys less sells
Sell : buy shares
0.2 : 1
Mixed
Insider-held shares
884.15K
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Sep 10, 26 | HUNGERFORD MEG L Director |
STOCK | 39 | $1.34K | Direct |
| Sep 10, 26 | NOLAN ALEXANDRA K Director |
STOCK | 39 | $1.34K | Direct |
| Sep 10, 26 | GIFFORD JEFFREY S Director |
STOCK | 39 | $1.34K | Direct |
| Sep 10, 26 | ANDRESS SPENCER J Director |
STOCK | 39 | $1.34K | Direct |
| Sep 10, 26 | CARROLL JOSEPH W Director |
STOCK | 39 | $1.34K | Direct |
| Sep 10, 26 | SCHMALZLE RONALD R. Director |
STOCK | 39 | $1.34K | Direct |
| Sep 10, 26 | NACINOVICH MARISSA S Director |
STOCK | 39 | $1.34K | Direct |
| Sep 10, 26 | SHOOK JAMES Director |
STOCK | 39 | $1.34K | Direct |
| Sep 10, 26 | PHILLIPS KENNETH A Director |
STOCK | 39 | $1.34K | Direct |
| Sep 10, 26 | MATERGIA RALPH A Director |
STOCK | 39 | $1.34K | Direct |
| Sep 10, 26 | LAMONT KEVIN M Director |
STOCK | 39 | $1.34K | Direct |
| Sep 10, 26 | FORTE ANDREW A Director |
STOCK | 48 | $1.66K | Direct |
| Sep 4, 26 | O'BELL VINCENT Officer |
CONVERSION | 5.25K | $154.90K | Direct |
| Sep 2, 26 | O'BELL VINCENT Officer |
SELL | 3.00K | $103.57K | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
CARMODY JOHN F |
Officer | — | Stock Award(Grant) |
CARROLL JOSEPH W |
Director | 51.35K | Stock Award(Grant) |
CRITELLI LEWIS J |
Chairman of the Board | — | Stock Award(Grant) |
DONNELLY JAMES O. |
Chief Executive Officer | — | Purchase |
FORTE ANDREW A |
Director | 30.14K | Stock Award(Grant) |
GIFFORD JEFFREY S |
Director | 152.77K | Stock Award(Grant) |
LAMONT KEVIN M |
Director | 138.79K | Stock Award(Grant) |
MATERGIA RALPH A |
Director | 28.88K | Stock Award(Grant) |
NOLAN ALEXANDRA K |
Director | 287.55K | Stock Award(Grant) |
SCHMALZLE RONALD R. |
Director | 38.10K | Stock Award(Grant) |
Fundamentals
Market cap$371.43M
Enterprise value$374.69M
Revenue (TTM)$99.69M
Gross profit$99.69M
EBITDA—
Net income$28.84M
EPS (TTM)$2.92
Free cash flow—
Total cash$61.09M
Total debt$66.32M
Book value / share$26.73
Shares outstanding10.90M
Float9.82M
Short % of float1.65%
Dividend yield3.75%
Beta (5Y)0.55
Valuation & profitability ratios
Trailing P/E11.67
Forward P/E8.79
PEG ratio2.36
Price / sales—
Price / book1.27
EV / revenue3.76
EV / EBITDA—
Gross margin0.00%
Operating margin44.88%
Profit margin28.93%
Return on equity11.20%
Return on assets1.09%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $87.94M | $51.04M | $70.19M | $78.33M | +72.3% |
| Operating revenue | $87.94M | $51.04M | $70.19M | $78.33M | +72.3% |
| Selling, general & admin | $29.22M | $27.29M | $25.18M | $23.20M | +7.1% |
| Pre-tax income | $35.02M | -$258.00K | $21.15M | $36.38M | +13,673.3% |
| Tax provision | $7.26M | -$98.00K | $4.39M | $7.15M | +7,512.2% |
| Net income | $27.75M | -$160.00K | $16.76M | $29.23M | +17,446.9% |
| Net income to common | $27.75M | -$160.00K | $16.76M | $29.23M | +17,446.9% |
| Basic EPS | 3.01 | -0.02 | 2.08 | 3.59 | +15,150.0% |
| Diluted EPS | 3.01 | -0.02 | 2.07 | 3.58 | +15,150.0% |
| Basic shares | 9.22M | 8.00M | 8.06M | 8.14M | +15.3% |
| Diluted shares | 9.22M | 8.00M | 8.10M | 8.17M | +15.3% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $44.44M | $72.34M | $66.12M | $31.87M | -38.6% |
| Accounts receivable | $9.25M | $8.47M | $8.12M | $6.92M | +9.3% |
| Property, plant & equipment | $22.97M | $19.66M | $17.84M | $17.92M | +16.9% |
| Goodwill & intangibles | $29.36M | $29.42M | $29.49M | $29.57M | -0.2% |
| Total assets | $2.42B | $2.32B | $2.20B | $2.05B | +4.6% |
| Current debt | $44.71M | $98.67M | $44.41M | $82.26M | -54.7% |
| Long-term debt | $29.42M | $59.85M | $69.83M | $40.00M | -50.8% |
| Total debt | $74.13M | $158.53M | $114.24M | $82.26M | -53.2% |
| Total liabilities | $2.18B | $2.10B | $2.02B | $1.88B | +3.7% |
| Retained earnings | $141.13M | $124.96M | $135.28M | $130.02M | +12.9% |
| Shareholder equity | $242.16M | $213.51M | $181.07M | $167.09M | +13.4% |
| Net tangible assets | $212.79M | $184.09M | $151.58M | $137.51M | +15.6% |
| Shares issued | 9.52M | 9.49M | 8.31M | 8.29M | +0.3% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $27.75M | -$160.00K | $16.76M | $29.23M | +17,446.9% |
| Depreciation & amortisation | $1.47M | $1.38M | $1.46M | $1.57M | +6.7% |
| Stock-based compensation | $776.00K | $721.00K | $830.00K | $641.00K | +7.6% |
| Change in working capital | -$1.26M | $1.76M | $6.65M | $422.00K | -171.6% |
| Operating cash flow | $33.97M | $22.81M | $29.82M | $30.73M | +48.9% |
| Capital expenditure | -$4.72M | -$3.13M | -$1.41M | -$2.15M | -50.9% |
| Investing cash flow | -$128.95M | -$115.20M | -$116.57M | -$207.99M | -11.9% |
| Share buybacks | -$361.00K | -$703.00K | -$3.10M | -$2.52M | +48.6% |
| Dividends paid | -$11.49M | -$9.72M | -$9.42M | -$9.16M | -18.2% |
| Financing cash flow | $67.08M | $98.62M | $121.00M | $2.44M | -32.0% |
| Free cash flow | $29.25M | $19.68M | $28.41M | $28.58M | +48.6% |
| End cash position | $44.44M | $72.34M | $66.12M | $31.87M | -38.6% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $29.36M | $27.27M | $23.46M | $22.96M | $21.31M | +7.7% |
| Operating revenue | $29.36M | $27.27M | $23.46M | $22.96M | $21.31M | +7.7% |
| Selling, general & admin | $9.10M | $9.06M | $8.32M | $7.06M | $6.96M | +0.5% |
| Pre-tax income | $11.63M | $4.82M | $9.37M | $10.53M | $7.83M | +141.3% |
| Tax provision | $2.30M | $1.09M | $1.93M | $2.20M | $1.63M | +111.1% |
| Net income | $9.33M | $3.73M | $7.44M | $8.33M | $6.21M | +150.1% |
| Net income to common | $9.33M | $3.73M | $7.44M | $8.33M | $6.21M | +150.1% |
| Basic EPS | 0.86 | 0.35 | 0.81 | 0.89 | 0.67 | +145.7% |
| Diluted EPS | 0.86 | 0.35 | 0.81 | 0.89 | 0.67 | +145.7% |
| Basic shares | 10.83M | 10.77M | 9.19M | 9.36M | 9.26M | +0.6% |
| Diluted shares | 10.85M | 10.78M | 9.19M | 9.36M | 9.26M | +0.7% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $60.29M | $100.74M | $44.44M | $74.73M | $53.05M | -40.2% |
| Accounts receivable | $10.57M | $10.81M | $9.25M | $8.69M | $8.64M | -2.3% |
| Property, plant & equipment | $25.26M | $25.30M | $22.97M | $22.29M | $21.61M | -0.1% |
| Goodwill & intangibles | $39.53M | $39.69M | $29.36M | $29.38M | $29.39M | -0.4% |
| Total assets | $2.91B | $2.92B | $2.42B | $2.41B | $2.37B | -0.3% |
| Current debt | $0 | $0 | $44.71M | $10.00M | $26.50M | — |
| Long-term debt | $65.51M | $88.27M | $29.42M | $62.07M | $85.35M | -25.8% |
| Total debt | $65.51M | $88.27M | $74.13M | $72.07M | $111.85M | -25.8% |
| Total liabilities | $2.62B | $2.63B | $2.18B | $2.18B | $2.14B | -0.6% |
| Retained earnings | $146.69M | $140.84M | $141.13M | $136.66M | $131.20M | +4.1% |
| Shareholder equity | $289.64M | $283.94M | $242.16M | $234.91M | $225.43M | +2.0% |
| Net tangible assets | $250.11M | $244.25M | $212.79M | $205.53M | $196.04M | +2.4% |
| Shares issued | 10.89M | 11.18M | 9.52M | 9.49M | 9.49M | -2.6% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $9.33M | $3.73M | $7.44M | $8.34M | $6.21M | +150.1% |
| Depreciation & amortisation | $600.00K | $603.00K | $407.00K | $374.00K | $357.00K | -0.5% |
| Stock-based compensation | $209.00K | $210.00K | $240.00K | $179.00K | $178.00K | -0.5% |
| Change in working capital | -$777.00K | -$3.50M | $1.75M | -$1.20M | -$2.94M | +77.8% |
| Operating cash flow | $8.91M | $6.00M | $8.78M | $9.34M | $6.75M | +48.5% |
| Capital expenditure | -$498.00K | -$455.00K | -$1.07M | -$1.04M | -$1.68M | -9.5% |
| Investing cash flow | -$32.52M | $11.21M | -$43.09M | -$21.15M | -$12.89M | -390.1% |
| Share buybacks | -$1.00K | $0 | -$12.00K | $0 | $0 | — |
| Dividends paid | -$3.48M | -$3.51M | -$2.87M | -$2.87M | -$2.87M | +0.6% |
| Financing cash flow | -$18.67M | $40.93M | $4.02M | $33.50M | -$16.23M | -145.6% |
| Free cash flow | $8.41M | $5.54M | $7.70M | $8.30M | $5.08M | +51.7% |
| End cash position | $60.29M | $102.57M | $44.44M | $74.73M | $53.05M | -41.2% |
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
—
—
ATM implied vol
—
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
—
—
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 0.87 | 0.86 | -0.6% |
| Mar 2026 | 0.81 | 0.72 | -10.6% |
| Dec 2025 | 0.85 | 0.84 | -0.6% |
| Sep 2025 | 0.71 | 0.89 | +26.2% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 0.95 | 2 | $30.00M | +30.6% |
| Next quarter | 0.95 | 2 | $30.30M | +29.2% |
| Current year | 3.30 | 2 | $116.90M | +32.9% |
| Next year | 3.88 | 2 | $125.30M | +7.2% |
Analyst targets & ownership
Mean target$36.50
High target$38.00
Low target$35.00
Implied upside7.13%
Analyst count2
ConsensusBUY
Strong buy / Buy0 / 1
Hold1
Sell / Strong sell0 / 0
Held by insiders8.15%
Held by institutions42.91%
Institutions holding156
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
33.58
+1.46% from price
SMA 20
34.13
-0.18% from price
SMA 50
34.11
-0.11% from price
SMA 100
32.59
+4.55% from price
SMA 200
31.10
+9.54% from price
EMA 12
33.81
+0.76% from price
EMA 26
33.94
+0.39% from price
EMA 50
33.68
+1.15% from price
RSI (14)
51.8
Neutral
MACD (12,26,9)
-0.13
Hist -0.06
ATR (14)
0.77
2.25% of price
Realised vol 30D
16.3%
Annualised
Bollinger upper
35.40
20, 2σ
Bollinger lower
32.87
20, 2σ
50 / 200 cross
Golden
34.11 vs 31.10
Trend bias
Above 200
+9.54%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.22
Less volatile than market
Correlation to SPY
0.11
Largely independent
Realised vol 30D
16.3%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-12.9%
Peak to trough
Max drawdown 5Y
-37.5%
Peak to trough
ATR 14
0.77
2.25% of price
Beta (reported)
0.55
5Y monthly, from filing
Short interest
Shares short
165.22K
Prior 145.11K
Change vs prior
+13.9%
Shorts adding
% of float
1.65%
Normal
% of shares out
1.52%
Against total outstanding
Days to cover
5.4
Crowded exit
Float
9.82M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Jul 23, 26 | Stephens & Co. | MAINTAINED | Equal-Weight | Equal-Weight |
| Feb 11, 26 | Stephens & Co. | MAINTAINED | Equal-Weight | Equal-Weight |
| Jul 8, 25 | Stephens & Co. | MAINTAINED | Equal-Weight | Equal-Weight |
| Apr 21, 25 | Stephens & Co. | MAINTAINED | Equal-Weight | Equal-Weight |
| Jan 8, 25 | Piper Sandler | INITIATED | — | Neutral |
| Jan 2, 25 | Janney Montgomery Scott | INITIATED | — | Buy |
Dividends & splits
Forward rate$1.28 / yr
Forward yield3.75%
5-year avg yield4.17%
Payout ratio43.60%
Ex-dividend dateOct 15, 2026
Next pay dateNov 2, 2026
Last split3:2
Split dateSep 18, 2017
SEC filings
Corporate Changes & Voting Matters
8-K · 2026-09-16
Corporate Changes & Voting Matters
8-K · 2026-08-28
Periodic Financial Reports
10-Q · 2026-08-07
Corporate Changes & Voting Matters
8-K · 2026-07-27
Corporate Changes & Voting Matters
8-K · 2026-07-22
Corporate Changes & Voting Matters
8-K · 2026-06-18
Periodic Financial Reports
10-Q · 2026-05-08
Corporate Changes & Voting Matters
8-K · 2026-05-04
Headlines
T-Bills Guarantee the Rate. These 6 Dividend Stocks Can Actually Grow the Paycheck
24/7 Wall St. · 6d ago
Why Norwood Financial Corp. (NWFL) is a Top Dividend Stock for Your Portfolio
Zacks · 7d ago
Norwood Financial Corp Announces Timing of Third Quarter 2026 Earnings Release and Conference Call
GlobeNewswire · 12d ago
AmeriServ Trades at a Discount: Should You Buy, Sell or Hold?
Zacks · 14d ago
Norwood Financial Corp Announces Cash Dividend
GlobeNewswire · 20d ago
Norwood Financial Corp. (NWFL) is a Top Dividend Stock Right Now: Should You Buy?
Zacks · 23d ago
Norwood Financial Corp Adopts Stock Repurchase Program
GlobeNewswire · 39d ago
This is Why Norwood Financial Corp. (NWFL) is a Great Dividend Stock
Zacks · 40d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.