Norwood Financial Corp. Common Stock (NWFL)

FairStock Score: 74/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at a small regional bank like Norwood as a deposit-taking and credit-underwriting business. It is a $368.8M market-cap bank holding company with 275 employees, so scale is modest. The filed record is volatile: in fiscal year 2023, ended 2023-12-31, net income was $16.8M and diluted EPS $2.07; in fiscal year 2024, ended 2024-12-31, net income was -$160,000 and diluted EPS -$0.02; in fiscal year 2025, ended 2025-12-31, net income was $27.8M and diluted EPS $3.01. In fiscal Q2 2026, the quarter ended 2026-06-30, net income was $9.3M and diluted EPS $0.86, after $3.7M and $0.35 in fiscal Q1 2026. FairStock rightly calls it a TURNAROUND. At the 2026-10-13 close of $33.83, FairStock's P/E is 11.71, P/B 1.27, dividend yield 3.79%, ROE 11.20%, PEG 0.07, Piotroski 5/9, and beta 0.55. An 11.2% ROE is decent but not franchise-level, and 1.27 times book offers no obvious margin of safety. The dividend is appealing if earnings persist, but community banks are rate- and credit-sensitive. The 5/9 Piotroski score says financials are improving but not uniformly strong. Low beta and the dividend may attract income investors, yet the stock is near the top of its 52-week range of $23.82-$35.48, so Mr. Market has noticed the recovery. FairStock Score 74/100 is respectable but not a bargain signal by itself. CET1 capital, net interest margin, nonperforming loans, and reserve coverage are not in the data; combined ratio is not relevant for a bank. I would need those before trusting the turnaround.

In plain English: Norwood Financial is a small community bank holding company that takes deposits and makes loans through Wayne Bank. After a loss a couple of years ago, it has returned to solid profits and pays a decent dividend. At $33.83, the stock looks fairly priced rather than a bargain: it sells for a bit more than the value of its net assets.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer