Norwood Financial Corp.
NWFLFinancial ServicesNASDAQBanks - Regional
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Daily timeframeNorwood Financial Corp. operates as the bank holding company for Wayne Bank that provides various banking products and services in the United States. The $378.4M market capitalization puts NWFL squarely in small-cap range for its industry. The company offers deposit products, including interest-bearing and non-interest-bearing transaction, statement savings, and money market accounts, as well as certificate of deposits.
Market Cap
$378.4M
Beta
0.53
P/E (TTM)
11.93
P/E (Fwd)
9.02
EPS (TTM)
$2.91
EPS (Fwd)
$3.85
ROE
11.2%
ROA
1.1%
Cash
$61.1M
Total Debt
$66.3M
Free CF
—
52W Change
30.3%
Annual Financials
Cash vs Debt
Where NWFL stands vs its 150-day and 200-day moving averages
As of the August 20, 2026 close, NWFL finished 10.71% above its 150-day moving average ($30.35) and 13.55% above its 200-day moving average ($29.59). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is NWFL overbought or oversold?
At the August 20, 2026 close, NWFL's RSI(14) was 48.5, in neutral territory (between 30 and 70). The MACD histogram was negative, so short-term momentum leaned bearish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
The company holds $61.1M in cash, though total debt stands at $66.3M. This level of leverage is common in the industry but worth monitoring as interest rate conditions evolve. Return on equity stands at 11.2%, which is decent for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 1.1% is on the lower side, which is common in asset-heavy industries. Revenue has been uneven over recent years, ranging from $78.3M to $87.9M.
NWFL's low beta indicates it tends to be less volatile than the broader market, which may suit investors seeking more stable price behavior. No single metric tells the full story. Reviewing NWFL's risk profile alongside its fundamentals and technical indicators provides a more complete picture.