# Norwood Financial share price today (Norwood Financial Corp., NWFL)

> Norwood Financial Corp.'s results are improving, and its P/BV is near the top of its own history, higher than 100% of past readings. NWFL · Financials · Banks - Regional · data as of 4 November 2026. Page: https://www.sectoralpha.in/us/stocks/nwfl

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## Key numbers

- Business trend: Turning around, from the last 12 quarters
- Price: $36.59 (+37.3% in a year)
- P/BV: 1.4× (higher than 100% of the last 1 year)
- Revenue (Jun 2026): $27.4 M (+34.7% on a year ago)
- Profit (Jun 2026): $9.3 M (+50.3% on a year ago)
- Net margin: 34.0% (+3.5 points on a year ago)
- ROE: 12%, FY25
- ROA: 1.20%, latest

The main question: results are strong, and the P/BV is higher than 100% of its own history. ## What is the Norwood Financial share price today? Norwood Financial Corp.'s share price was $36.59 at the close on 4 November 2026. That is 15.2% above its average price over the last 200 trading days. In the last 52 weeks it traded between $27 and $37, and at that close it was at the high of that range. Over the past 13 weeks it has done better than the S&P 500, and it has stayed ahead for 6 weeks in a row. Over the last 1 year the share price moved +45% while the S&P 500 moved +18%, so it is ahead of the index over that whole period. The chart above shows the 13-week comparison for every week. This page treats a rise as over when the price closes below its 200-day average on two Fridays in a row. ## What dividend does Norwood Financial pay? Norwood Financial Corp. paid $1.27 per share over the last four reported quarters. The most recent declaration was $0.32 for Jun 2026. At today's price of $36.59 that is a yield of 3.47%, based on dividends already paid, not a forecast. ## Which stock lists is Norwood Financial on? Norwood Financial is not in the Nasdaq 100, the S&P 500 or the Dow Jones 30, and is not on the US tech stocks list. ## Is Norwood Financial profitable? Norwood Financial Corp. earned $9.3 M of net profit in the Jun 2026 quarter, +50.3% on the same quarter a year earlier. Full-year FY25 profit was $27.8 M. Over 4 years profit has grown 2.7% a year on average. That is 34.0% of the quarter's revenue. The same quarter a year earlier earned $6.2 M. 1 of the last 12 reported quarters were loss-making. Why profit moved: revenue changed +34.7% on a year earlier and the margin moved +3.5 percentage points. Most of the change came from keeping more of each sale. On average over the last four quarters, profit changed +43.9% and revenue +35.7%. Profit is growing faster than sales: fixed costs are spread over more sales, so each extra dollar of revenue adds more to profit. ## How much revenue does Norwood Financial make, and is it growing? Norwood Financial Corp. reported $27.4 M of income in the Jun 2026 quarter, +34.7% on the same quarter a year earlier. That is the 2nd quarter in a row with growth on the year before. Over 4 years it has grown 5.5% a year on average. The last full year, FY25, came in at $86.2 M. The last four reported quarters add to $99.7 M. FY25 revenue was $86.2 M, +78.2% on the year before. Recent pace: the last four quarters grew +35.7% on average, against 5.5% a year over the longer run, so this year is growing faster than its own long-run rate. Is growth speeding up? Revenue over the last 12 months grew +84.7%, against +26.9% a year over the last 8 quarters (accelerating); profit over the last 12 months grew +809.3%, against +48.3% a year (accelerating). ## How much does Norwood Financial keep from what it earns? Norwood Financial Corp.'s net margin was 34.0% in the Jun 2026 quarter, 3.5 percentage points higher than the same quarter a year ago. Across 5 years it has been between −0.3% and 37.8%. The latest quarter is within that range. Why: the net margin move is clear, but the cost details behind it are not in our data, so we show the move without guessing the reason. ## How many of Norwood Financial's loans have gone bad? Norwood Financial Corp. does not report loan-quality figures this page can read, so this section says so rather than guess. No bad-loan figures are filed in a form this page can read, and none are guessed from the profit line. The income, margin and return sections carry what this business does report. Why: loan quality drives a lender, but its details (new bad loans, recoveries, money set aside) are not in our data for this company. The sections around this one carry what we can back up. ## How fast is Norwood Financial's loan book growing? Norwood Financial Corp.'s revenue was $86.2 M in FY25, +78.2% on the year before, so the loan book is growing. The latest quarter was +34.7% on a year earlier. The net margin on that income is 34.0%, +3.5 percentage points on a year ago. Interest income stands in for the size of the loan book; changes in interest rates can move it a few points in any year. In short: a lender grows well when its loan book grows, its margin stays steady and its loans stay clean. Quarterly loan-quality figures are missing here, so revenue growth and margin are the two we watch. ## What is Norwood Financial's P/BV ratio, and how does it compare with its own history? Norwood Financial Corp.'s P/BV is 1.4×, about the highest it has ever been. Its usual P/BV (the middle reading) is 1.1×, over 1 year of weekly prices. This compares the share price with the company’s own past. It does not say what the business is worth. Why the multiple is low: this lender earns about 12% a year on its equity. A lender that earns less on its net worth is valued lower for each dollar of it, and that gap usually closes only if returns improve. In short: the multiple is high against its own past, so the book value trend underneath matters more than the multiple. ## Is the Norwood Financial business getting better or worse? Norwood Financial Corp.'s business is turning around. Profit growth has swung from −92.3% at its low to +809.3%, rising from a low 5 quarters ago, with ROE rising at 10.0%. This is based on 12 quarters of 4 measures. Why it matters: a turn in growth is often where a bigger change starts. The lines say a turn is forming, so the question is whether the next quarters confirm it. ## How much does Norwood Financial earn on its equity and assets? Norwood Financial Corp. earned a return on equity of 12% in FY25. Its lowest yearly reading on file was 0% in FY24. On its assets, every $100 earned about $1.20, before the effect of borrowing. For a lender the balance sheet is the business, so the return on equity and on assets have to be read together. That return is below the level a bank needs to grow its net worth quickly, which helps explain why its multiple is where it is. Why ROE moved: profit grew 2.7% a year over 4 years while net worth grew more slowly. When earnings recover faster than net worth builds up, ROE climbs off its low. ## Does Norwood Financial have too much debt? For a bank, borrowing is the raw material of the business, not a warning sign: it borrows money in order to lend it out. Its safety is read through its returns and its loans. Its safety is read from the bad-loan figures and the return on equity instead. For a manufacturer, debt is a claim on its profits. For a lender it is the stock it trades in, so the usual debt-to-equity test would mislead and is not used here. ## What is the Norwood Financial shareholding pattern? 1.6% of Norwood Financial Corp.'s tradable shares are in short positions, which are bets that the price will fall, so very few traders are betting against this stock. At normal trading volumes, closing those positions would take about 4.2 days. US companies do not publish a quarter-by-quarter list of owners, so this page uses short interest instead. It is a single reading at one point in time; we do not have its history. Why it is at this level: the figure does not say who holds the short positions or why, so we show the level without guessing the story. ## How far is Norwood Financial from balance-sheet trouble? For Norwood Financial Corp., the Z-score is not used, because it was built for manufacturers, not lenders. For a lender, safety is read from its capital and bad-loan figures instead. ## How does Norwood Financial rank in its industry? There is no score against its industry: Norwood Financial Corp. is not among the largest members shown in this industry comparison for Banks - Regional. The score ranks a company within its industry: each measure is scored against the other members. Without that group there is no score, so none is shown. ## Which companies is Norwood Financial compared with? No sector comparison is shown here, not among the largest members shown in this industry comparison. ## Which companies are close to Norwood Financial in size? Norwood Financial is the 227th largest of 274 Banks - Regional companies on Sector Alpha by market value (scores of 5 November 2026). Just above it: Citizens Financial Services, Inc., The First Bancorp, Inc. and Fidelity D & D Bancorp, Inc. Just below it: Parke Bancorp, Inc., Investar Holding Corporation and Avidbank Holdings, Inc. ### Banks - Regional companies close in size

1. [Citizens Financial Services, Inc.](https://www.sectoralpha.in/us/stocks/czfs) $420 million
2. [The First Bancorp, Inc.](https://www.sectoralpha.in/us/stocks/fnlc) $419 million
3. [Fidelity D & D Bancorp, Inc.](https://www.sectoralpha.in/us/stocks/fdbc) $407 million
4. Norwood Financial Corp. $397 million
5. [Parke Bancorp, Inc.](https://www.sectoralpha.in/us/stocks/pkbk) $393 million
6. [Investar Holding Corporation](https://www.sectoralpha.in/us/stocks/istr) $392 million
7. [Avidbank Holdings, Inc.](https://www.sectoralpha.in/us/stocks/avbh) $384 million

[All 274 Banks - Regional companies, largest first](https://www.sectoralpha.in/us/sectors/banks-regional#all-companies)

### Companies close in size in other industries

1. [Fidelity D & D Bancorp, Inc.](https://www.sectoralpha.in/us/stocks/fdbc) $392 million · Banks - Regional
2. [Redwood Trust, Inc.](https://www.sectoralpha.in/us/stocks/rwt) $391 million · REIT - Mortgage
3. Norwood Financial Corp. $390 million
4. [Roma Green Finance Limited](https://www.sectoralpha.in/us/stocks/roma) $390 million · Consulting Services
5. [NVE Corporation](https://www.sectoralpha.in/us/stocks/nvec) $389 million · Semiconductors

## What else do people ask about Norwood Financial? ### What were Norwood Financial's latest quarterly results? Norwood Financial Corp. reported total income of $27.4 M and net profit of $9.3 M for the Jun 2026 quarter. Income rose 34.7% and profit rose 50.3% compared with a year earlier. Earnings per share were $0.86. The net margin was 34.0%, 3.5 percentage points higher than a year earlier (as of 4 November 2026). ### What is Norwood Financial's market cap? Norwood Financial Corp.'s market capitalisation is $397 M at a stock price of $36.59. Market cap is the share price times the number of shares, so it changes whenever the price moves (as of 4 November 2026). ### How is Norwood Financial performing? Norwood Financial Corp.'s latest readings are below. In its latest quarter, income rose 34.7% and profit rose 50.3% compared with a year earlier. Over the past 13 weeks it has done better than the S&P 500, for 6 weeks running. This describes what the data did, not a rating (as of 4 November 2026). ### Will Norwood Financial's stock price go up? This page does not forecast Norwood Financial Corp.'s stock price. What it shows instead: the stock price is $36.59. Its P/BV of 1.4× is higher than 100% of its own last 1 years. Nobody can reliably say which way a price will move, and this site does not try (as of 4 November 2026). ### Where is Norwood Financial in its business cycle? Norwood Financial Corp.'s FY25 net margin was 32.2%, against a 5-year range of −0.3% to 37.8%: the middle of its own range, neither a peak nor a low. The latest quarter was 34.0%. Comparing margins with a company's own long history is a good way to see where it is in its cycle (as of 4 November 2026). ### What could break the Norwood Financial story? The main question: results are strong, and the P/BV is higher than 100% of its own history. On price, this page treats a rise as over when the share price closes below its 200-day average on two Fridays in a row (as of 4 November 2026). ### Is Norwood Financial a stock worth studying right now? What the numbers show: Norwood Financial Corp.'s results are improving, and its P/BV is near the top of its own history, higher than 100% of past readings. The main open question: whether earnings grow enough to match the multiple. Every number on this page is worked out by code from the published figures, with no forecasts and no price opinions (as of 4 November 2026). This is research, not advice. We’re not SEBI-registered.