📊 NWFL Key Takeaways
Is Norwood Financial Corp. (NWFL) a Good Investment?
Norwood Financial Corp exhibits severe operational deterioration with revenue collapsing 93.7% YoY to $2.3M despite maintaining a $2.9B asset base, indicating fundamental business challenges or significant restructuring. Critically weak returns (ROE 1.3%, ROA 0.1%) and dangerously low interest coverage (0.4x) reveal the bank cannot service obligations from operational earnings, while anomalous profitability metrics suggest one-time charges or accounting adjustments masking underlying credit or asset quality problems.
Norwood shows solid core profitability for a community bank (ROE 11.5%, ROA 1.1%) and healthy capitalization (~10% equity/assets) with positive operating and free cash flow. However, extreme revenue decline and outsized margins suggest one‑offs or reporting anomalies, making growth quality uncertain. Maintain a neutral stance while monitoring core banking drivers and asset quality.
Norwood Financial Corp. Key Strengths (NWFL)
- Solid balance sheet with $283.9M stockholders equity and zero long-term debt
- Adequate liquidity position with $102.6M cash and equivalents
- Positive free cash flow of $5.5M generation
- Solid ROE/ROA indicating sustainable core earnings
- Strong capitalization (equity ~10% of assets) supporting resilience
- Consistent positive operating cash flow with low capex needs
NWFL Stock Risks: Norwood Financial Corp. Investment Risks
- Catastrophic 93.7% revenue collapse indicates loss of core lending/fee business or major client departures
- Critically low interest coverage ratio (0.4x) suggests inability to cover interest expenses from operations
- Extremely poor returns metrics (1.3% ROE, 0.1% ROA) indicate capital is trapped in unproductive assets, possible loan portfolio quality issues
- Massive YoY earnings swings (17,446.9%) and anomalous operating margins (211.8%) suggest one-time gains/losses obscuring fundamental deterioration
- Quality of earnings given anomalous revenue/margin figures
- Net interest margin compression from rising deposit costs
- Credit losses if economic conditions weaken affecting loan book
Key Metrics to Watch
- Trend in net interest margin and core operating revenue
- Non-performing loan ratios and loan loss reserve adequacy
- Interest coverage ratio trajectory toward minimum 1.5x threshold
- Return on equity movement toward industry average of 8-12%
- Asset quality indicators and loan loss provisions
- Net interest margin (trend and deposit costs)
- Nonperforming loans/credit losses (NPL ratio and provisions)
Norwood Financial Corp. (NWFL) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 243.5% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
NWFL Profit Margin, ROE & Profitability Analysis
NWFL vs Finance Sector: How Norwood Financial Corp. Compares
How Norwood Financial Corp. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Norwood Financial Corp. Stock Overvalued? NWFL Valuation Analysis 2026
Based on fundamental analysis, Norwood Financial Corp. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Norwood Financial Corp. Balance Sheet: NWFL Debt, Cash & Liquidity
NWFL Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Norwood Financial Corp.'s revenue has grown significantly by 15% over the 5-year period, indicating strong business expansion. The most recent EPS of $-0.02 indicates the company is currently unprofitable.
NWFL Revenue Growth, EPS Growth & YoY Performance
NWFL Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $2.0M | $3.7M | $0.35 |
| Q3 2025 | $1.9M | $3.8M | $0.48 |
| Q2 2025 | $1.9M | $4.2M | $0.52 |
| Q1 2025 | $1.7M | $4.4M | $0.55 |
| Q3 2024 | $1.9M | $3.8M | $0.48 |
| Q2 2024 | $1.7M | $4.2M | $0.52 |
| Q1 2024 | $1.7M | $4.4M | $0.55 |
| Q3 2023 | $1.9M | $4.1M | $0.51 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Norwood Financial Corp. Dividends, Buybacks & Capital Allocation
NWFL SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Norwood Financial Corp. (CIK: 0001013272)
📋 Recent SEC Filings
❓ Frequently Asked Questions about NWFL
What is the AI rating for NWFL?
Norwood Financial Corp. (NWFL) has a Combined AI Grade of C from Claude (D) and ChatGPT (B) with 67% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are NWFL's key strengths?
Claude: Solid balance sheet with $283.9M stockholders equity and zero long-term debt. Adequate liquidity position with $102.6M cash and equivalents. ChatGPT: Solid ROE/ROA indicating sustainable core earnings. Strong capitalization (equity ~10% of assets) supporting resilience.
What are the risks of investing in NWFL?
Claude: Catastrophic 93.7% revenue collapse indicates loss of core lending/fee business or major client departures. Critically low interest coverage ratio (0.4x) suggests inability to cover interest expenses from operations. ChatGPT: Quality of earnings given anomalous revenue/margin figures. Net interest margin compression from rising deposit costs.
What is NWFL's revenue and growth?
Norwood Financial Corp. reported revenue of $2.3M.
Does NWFL pay dividends?
Norwood Financial Corp. pays dividends, with $3.5M distributed to shareholders in the trailing twelve months.
Where can I find NWFL SEC filings?
Official SEC filings for Norwood Financial Corp. (CIK: 0001013272) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is NWFL's EPS?
Norwood Financial Corp. has a diluted EPS of $0.35.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is NWFL's fundamental grade?
Based on our AI fundamental analysis in May 2026, Norwood Financial Corp. has a C grade with 67% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is NWFL stock overvalued or undervalued?
Valuation metrics for NWFL: ROE of 1.3% (sector avg: 12%), net margin of 163.9% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is NWFL's AI grade for 2026?
Our dual AI analysis gives Norwood Financial Corp. a combined C grade for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is NWFL's free cash flow?
Norwood Financial Corp.'s operating cash flow is $6.0M, with capital expenditures of $455.0K. FCF margin is 243.5%.
How does NWFL compare to other Finance stocks?
Vs Finance sector averages: Net margin 163.9% (avg: 25%), ROE 1.3% (avg: 12%), current ratio N/A (avg: 1.2).