Security
Norwood Financial Corp. Common Stock · NWFL
NWFLNASDAQCommon stockCurrentCIK 1013272Updated Oct 28, 2026
NWFL price & chart
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NASDAQ:NWFL on TradingView ↗About the company
Norwood Financial Corp, through its subsidiary, Wayne Bank, operates 33 Community Offices serving Wayne, Pike, Monroe, Lackawanna, Luzerne, Chester, Cumberland, and Lancaster Counties in Pennsylvania, along with Delaware, Sullivan, Otsego, Ontario, and Yates Counties in New York. The Company has total assets of $2.9 billion. The Company’s stock is traded on the Nasdaq Global Market under the symbol “NWFL”. For more information, visit wayne.bank.
In the news
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Recent filings
Results of Operations and Financial Condition · Regulation FD Disclosure
Items 2.02, 7.01, 9.01
Other Events
Items 8.01, 9.01
Other Events
Items 8.01, 9.01
144 filing
4 filing
Show 5 more recent filings
4 filing
4 filing
4 filing
10-Q filing
Regulation FD Disclosure
Items 7.01, 9.01
Financials
FY 2025 · USDSource
Source
Source
Source
balance sheet · annual statements
| Line item | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q2 2024 | Q1 2026 | Q1 2025 | Q1 2024 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ASSETS | ||||||||||||
| AssetsUSD | 2,411,951,000Source | 2,279,751,000Source | 2,907,914,000Source | 2,365,350,000Source | 2,235,316,000Source | 2,917,254,000Source | 2,376,044,000Source | 2,260,423,000Source | 2,424,842,000Source | 2,317,462,000Source | 2,201,079,000Source | 2,047,070,000Source |
| Property, Plant and Equipment, NetUSD | 22,292,000Source | 18,503,000Source | 25,262,000Source | 21,608,000Source | 18,265,000Source | 25,299,000Source | 20,273,000Source | 18,057,000Source | 22,971,000Source | 19,657,000Source | 17,838,000Source | 17,924,000Source |
| GoodwillUSD | 29,266,000Source | 29,266,000Source | 36,375,000Source | 29,266,000Source | 29,266,000Source | 36,375,000Source | 29,266,000Source | 29,266,000Source | 29,266,000Source | 29,266,000Source | 29,266,000Source | 29,266,000Source |
| Intangible Assets, Net (Excluding Goodwill)USD | 109,000Source | 167,000Source | 3,153,000Source | 121,000Source | 183,000Source | 3,318,000Source | 136,000Source | 202,000Source | 98,000Source | 152,000Source | 221,000Source | 306,000Source |
| Operating Lease, Right-of-Use AssetUSD | — | — | — | — | — | — | — | — | 3,298,000Source | 3,773,000Source | 3,906,000Source | 4,109,000Source |
| LIABILITIES AND EQUITY | ||||||||||||
| LiabilitiesUSD | 2,177,046,000Source | 2,084,097,000Source | 2,618,274,000Source | 2,139,925,000Source | 2,053,129,000Source | 2,633,316,000Source | 2,155,337,000Source | 2,079,210,000Source | 2,182,685,000Source | 2,103,954,000Source | 2,020,009,000Source | 1,879,985,000Source |
| Stockholders’ equity: | ||||||||||||
| Common Stock, Value, IssuedUSD | 949,000Source | 831,000Source | 1,118,000Source | 949,000Source | 831,000Source | 1,118,000Source | 949,000Source | 831,000Source | 952,000Source | 949,000Source | 831,000Source | 829,000Source |
| Additional Paid in CapitalUSD | 127,190,000Source | 98,330,000Source | 174,337,000Source | 126,990,000Source | 98,082,000Source | 174,078,000Source | 126,785,000Source | 97,893,000Source | 127,426,000Source | 98,513,000Source | 97,700,000Source | 96,897,000Source |
| Retained Earnings (Accumulated Deficit)USD | 136,662,000Source | 140,489,000Source | 146,685,000Source | 131,199,000Source | 139,070,000Source | 140,843,000Source | 127,865,000Source | 137,285,000Source | 141,130,000Source | 152,964,000Source | 135,284,000Source | 130,020,000Source |
| Accumulated Other Comprehensive Income (Loss), Net of TaxUSD | -23,708,000Source | -38,027,000Source | -24,543,000Source | -27,505,000Source | -49,819,000Source | -24,131,000Source | -28,684,000Source | -49,399,000Source | -21,343,000Source | -33,121,000Source | -47,348,000Source | -57,353,000Source |
| Stockholders' Equity Attributable to ParentUSD | 234,905,000Source | 195,654,000Source | 289,640,000Source | 225,425,000Source | 182,187,000Source | 283,938,000Source | 220,707,000Source | 181,213,000Source | 242,157,000Source | 213,508,000Source | 181,070,000Source | 167,085,000Source |
| Liabilities and EquityUSD | 2,411,951,000Source | 2,279,751,000Source | 2,907,914,000Source | 2,365,350,000Source | 2,235,316,000Source | 2,917,254,000Source | 2,376,044,000Source | 2,260,423,000Source | 2,424,842,000Source | 2,317,462,000Source | 2,201,079,000Source | 2,047,070,000Source |
cash flow · annual statements
| Line item | Q4 2025 | Q4 2024 | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q1 2026 | Q1 2025 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash flows from operating activities: | ||||||||||||
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||||||||||
| Deferred Income Tax Expense (Benefit)USD | — | — | — | — | — | — | -996,000Source | -1,342,000Source | -94,000Source | -125,000Source | 583,000Source | 419,000Source |
| Net Cash Provided by (Used in) Operating ActivitiesUSD | — | — | — | — | — | — | 5,997,000Source | 9,098,000Source | 33,967,000Source | 22,807,000Source | 29,824,000Source | 30,734,000Source |
| Cash flows from investing activities: | ||||||||||||
| Net Cash Provided by (Used in) Investing ActivitiesUSD | — | — | — | — | — | — | 11,212,000Source | -51,819,000Source | -128,951,000Source | -115,205,000Source | -116,568,000Source | -207,994,000Source |
| Payments to Acquire Property, Plant, and EquipmentUSD | — | — | — | — | — | — | 455,000Source | 932,000Source | 4,720,000Source | 3,127,000Source | 1,412,000Source | 2,153,000Source |
| Cash flows from financing activities: | ||||||||||||
| Payments for Repurchase of Common StockUSD | — | — | — | — | — | — | — | 349,000Source | 361,000Source | 703,000Source | 3,100,000Source | 2,515,000Source |
| Net Cash Provided by (Used in) Financing ActivitiesUSD | — | — | — | — | — | — | 40,928,000Source | 45,789,000Source | 67,081,000Source | 98,617,000Source | 120,998,000Source | 2,445,000Source |
| Payments of Ordinary Dividends, Common StockUSD | — | — | — | — | — | — | 3,506,000Source | 2,875,000Source | 11,489,000Source | 9,719,000Source | 9,417,000Source | 9,158,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash EquivalentsUSD | — | — | 74,730,000Source | 82,880,000Source | 60,289,000Source | 53,045,000Source | 102,573,000Source | 75,407,000Source | 44,436,000Source | 72,339,000Source | 66,120,000Source | 31,866,000Source |
| Supplemental disclosure of cash flow information: | ||||||||||||
| Interest Paid, Excluding Capitalized Interest, Operating ActivitiesUSD | — | — | — | — | — | — | 15,626,000Source | 10,978,000Source | 48,681,000Source | 48,284,000Source | 25,616,000Source | 5,819,000Source |
| Income Taxes Paid, NetUSD | — | — | — | — | — | — | — | 46,000Source | 3,021,000Source | 2,617,000Source | 4,936,000Source | 6,891,000Source |
| Additional Financial Items | ||||||||||||
| Share-based Payment Arrangement, ExpenseUSD | — | — | — | — | — | — | — | — | 248,000Source | 346,000Source | 401,000Source | 269,000Source |
| Amortization of Intangible AssetsUSD | — | — | 12,000Source | 16,000Source | 165,000Source | 15,000Source | 165,000Source | 15,000Source | 54,000Source | 69,000Source | 85,000Source | 101,000Source |
| Bank Owned Life Insurance IncomeUSD | — | — | 268,000Source | 261,000Source | 326,000Source | 266,000Source | 314,000Source | 286,000Source | 1,088,000Source | 1,056,000Source | 1,012,000Source | 1,087,000Source |
| Debt and Equity Securities, Gain (Loss)USD | — | — | — | — | — | — | — | — | — | -19,962,000Source | -209,000Source | 3,000Source |
| Debt Securities, Available-for-sale, Realized Gain (Loss)USD | — | — | — | — | — | — | — | — | — | 0Source | 4,000Source | 14,000Source |
| Depreciation, NonproductionUSD | — | — | — | — | — | — | 438,000Source | 316,000Source | 1,415,000Source | 1,308,000Source | 1,375,000Source | 1,470,000Source |
| Equipment ExpenseUSD | — | — | — | — | — | — | — | — | 1,405,000Source | 1,121,000Source | 1,219,000Source | 1,266,000Source |
| Gain (Loss) on Sale of InvestmentsUSD | — | — | — | — | — | — | — | — | — | -19,962,000Source | -209,000Source | 3,000Source |
| Gain (Loss) on Sale of Mortgage LoansUSD | — | — | — | — | — | — | 76,000Source | 47,000Source | 326,000Source | 195,000Source | 63,000Source | 3,000Source |
| Gain (Loss) on Sales of Loans, NetUSD | — | — | 130,000Source | 103,000Source | 54,000Source | 65,000Source | 76,000Source | 47,000Source | 326,000Source | 195,000Source | 63,000Source | 3,000Source |
| GoodwillUSD | — | — | 29,266,000Source | 29,266,000Source | 36,375,000Source | 29,266,000Source | 36,375,000Source | 29,266,000Source | 29,266,000Source | 29,266,000Source | 29,266,000Source | 29,266,000Source |
| Goodwill, Impairment LossUSD | — | — | — | — | — | — | — | — | 0Source | 0Source | 0Source | 0Source |
| Income Tax Expense (Benefit)USD | — | — | 2,197,000Source | 1,006,000Source | 2,301,000Source | 1,627,000Source | 1,090,000Source | 1,514,000Source | 7,264,000Source | -98,000Source | 4,387,000Source | 7,152,000Source |
| Net Income (Loss) Attributable to ParentUSD | — | — | 8,334,000Source | 3,844,000Source | 9,328,000Source | 6,205,000Source | 3,730,000Source | 5,773,000Source | 27,755,000Source | -160,000Source | 16,759,000Source | 29,233,000Source |
| Proceeds from Issuance of Common StockUSD | — | — | — | — | — | — | 166,000Source | — | — | 28,116,000Source | — | — |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-saleUSD | — | — | — | — | — | — | 17,076,000Source | 14,785,000Source | 67,767,000Source | 58,652,000Source | 33,712,000Source | 40,780,000Source |
| Proceeds from Stock Options ExercisedUSD | — | — | — | — | — | — | 320,000Source | — | 80,000Source | 269,000Source | 886,000Source | 657,000Source |
| Provision for Loan, Lease, and Other LossesUSD | — | — | -502,000Source | 1,345,000Source | 1,944,000Source | 950,000Source | 1,459,000Source | 857,000Source | 1,773,000Source | 2,673,000Source | 5,548,000Source | 900,000Source |
| Financing Receivable, Credit Loss, Expense (Reversal)USD | — | — | -392,000Source | 1,216,000Source | 1,851,000Source | 841,000Source | 1,505,000Source | 923,000Source | 1,929,000Source | 2,546,000Source | 5,581,000Source | — |
| Stock or Unit Option Plan ExpenseUSD | — | — | 62,000Source | 86,000Source | — | — | 74,000Source | 62,000Source | 248,000Source | 346,000Source | 401,000Source | 269,000Source |
| Payments to Acquire Businesses, Net of Cash Acquired | — | — | — | — | — | — | —Source | — | — | — | — | — |
| Other Interest and Dividend Income | — | — | — | —Source | — | — | — | — | — | — | — | — |
income statement · annual statements
| Line item | Q4 2025 | Q4 2024 | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q1 2026 | Q1 2025 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total RevenueUSD | — | — | 2,042,000Source | 1,874,000Source | 2,102,000Source | 1,869,000Source | 2,276,000Source | 1,979,000Source | 7,999,000Source | 7,399,000Source | 7,136,000Source | 8,761,000Source |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling InterestUSD | — | — | 10,531,000Source | 4,850,000Source | 11,629,000Source | 7,832,000Source | 4,820,000Source | 7,287,000Source | 35,019,000Source | -258,000Source | 21,146,000Source | 36,385,000Source |
| Income Tax Expense (Benefit)USD | — | — | 2,197,000Source | 1,006,000Source | 2,301,000Source | 1,627,000Source | 1,090,000Source | 1,514,000Source | 7,264,000Source | -98,000Source | 4,387,000Source | 7,152,000Source |
| Net Income (Loss) Attributable to ParentUSD | — | — | 8,334,000Source | 3,844,000Source | 9,328,000Source | 6,205,000Source | 3,730,000Source | 5,773,000Source | 27,755,000Source | -160,000Source | 16,759,000Source | 29,233,000Source |
| Earnings Per Share, BasicUSD per share | — | — | 0.89Source | 0.48Source | 0.86Source | 0.67Source | 0.35Source | 0.63Source | 3.01Source | -0.02Source | 2.08Source | 3.59Source |
| Earnings Per Share, DilutedUSD per share | — | — | 0.89Source | 0.48Source | 0.86Source | 0.67Source | 0.35Source | 0.63Source | 3.01Source | -0.02Source | 2.07Source | 3.58Source |
| Weighted Average Number of Shares Outstanding, Basicshares | — | — | 9,316,000Source | 8,046,000Source | 10,834,000Source | 9,208,000Source | 10,769,000Source | 9,215,000Source | 9,231,000Source | 8,093,000Source | 8,062,000Source | 8,137,000Source |
| Weighted Average Number of Shares Outstanding, Dilutedshares | — | — | 9,317,000Source | 8,052,000Source | 10,849,000Source | 9,210,000Source | 10,775,000Source | 9,216,000Source | 9,235,000Source | 8,093,000Source | 8,084,000Source | 8,177,000Source |
| Additional Financial Items | ||||||||||||
| Amortization of Intangible AssetsUSD | — | — | 12,000Source | 16,000Source | 165,000Source | 15,000Source | 165,000Source | 15,000Source | 54,000Source | 69,000Source | 85,000Source | 101,000Source |
| Bank Owned Life Insurance IncomeUSD | — | — | 268,000Source | 261,000Source | 326,000Source | 266,000Source | 314,000Source | 286,000Source | 1,088,000Source | 1,056,000Source | 1,012,000Source | 1,087,000Source |
| Common Stock, Dividends, Per Share, DeclaredUSD per share | — | — | 0.31Source | 0.3Source | 0.32Source | 0.31Source | 0.32Source | 0.31Source | 1.25Source | 1.21Source | 1.13Source | 1.13Source |
| Current Income Tax Expense (Benefit)USD | — | — | — | — | — | — | — | — | 7,358,000Source | 27,000Source | 3,804,000Source | 6,733,000Source |
| Debt and Equity Securities, Gain (Loss)USD | — | — | — | — | — | — | — | — | — | -19,962,000Source | -209,000Source | 3,000Source |
| Equipment ExpenseUSD | — | — | — | — | — | — | — | — | 1,405,000Source | 1,121,000Source | 1,219,000Source | 1,266,000Source |
| Goodwill, Impairment LossUSD | — | — | — | — | — | — | — | — | 0Source | 0Source | 0Source | 0Source |
| Interest ExpenseUSD | — | — | — | — | — | — | — | — | — | — | 33,473,000Source | 7,269,000Source |
| InterestExpenseOperatingUSD | — | — | 11,734,000Source | 12,556,000Source | 13,618,000Source | 12,141,000Source | 13,829,000Source | 12,227,000Source | 48,204,000Source | 50,389,000Source | — | — |
| Interest Income (Expense), NetUSD | — | — | 20,458,000Source | 15,931,000Source | 26,839,000Source | 19,065,000Source | 24,554,000Source | 17,857,000Source | 78,324,000Source | 62,191,000Source | 62,067,000Source | 68,397,000Source |
| Labor and Related ExpenseUSD | — | — | 6,696,000Source | 6,239,000Source | 8,674,000Source | 6,605,000Source | 8,549,000Source | 6,472,000Source | 26,928,000Source | 25,018,000Source | 23,565,000Source | 22,071,000Source |
| Taxes, MiscellaneousUSD | — | — | 192,000Source | 179,000Source | 174,000Source | 192,000Source | 202,000Source | 192,000Source | 770,000Source | 615,000Source | 566,000Source | 1,013,000Source |
| Other Interest and Dividend Income | — | — | — | —Source | — | — | — | — | — | — | — | — |
Offerings
Registration 333-290392
Filing attachments
nwfl-20261027xex99_1.htm · 8-K · 2026-10-27
FOR IMMEDIATE RELEASE Norwood Financial Corp announces Third Quarter Financial Results Quarterly Highlights: Record net income of $11.8 million. Record net interest income of $28.0 million. Net interest margin 4.01%. Diluted earnings per share of $1.08. Total assets of $2.95 billion. Disciplined execution across the enterprise plus contribution from Presence Bank acquisition contributed to the strong performance. Honesdale, Pennsylvania - October 27, 2026 - Norwood …
Read attachment ↗nwfl-20261027xex99_2.htm · 8-K · 2026-10-27
Exhibit 99.2 Q3 2026 Investor Presentation Community Bank Making Every Day Better™ OCTOBER 27, 2026 Forward-looking statements and additional information This presentation contains forward-looking statements within the meaning of the federal securities laws that are made by Norwood Financial Corp (“Norwood”). All statements other than statements of historical fact are statements that could be deemed forward-looking statements, including all statements regarding the intent, belief or current…
Read attachment ↗nwfl-20260916xex99_1.htm · 8-K · 2026-09-16
EX-99.1 2 nwfl-20260916xex99_1.htm EX-99.1 Exhibit 991 NORWOOD FINANCIAL CORP ANNOUNCES CASH DIVIDEND HONESDALE, PENNSYLVANIA- September 16, 2026 (GLOBE NEWSWIRE) -- Norwood Financial Corp (NASDAQ Global Market - NWFL) and its subsidiary Wayne Bank, announced that the Board of Directors has declared a $0.32 per share cash dividend, which is payable on November 2, 2026, to shareholders of record as of October 15, 2026. The $0.32 per share remains the same as the per share dividend de…
Read attachment ↗nwfl-20260828xex99_1.htm · 8-K · 2026-08-28
EX-99.1 2 nwfl-20260828xex99_1.htm EX-99.1 Exhibit 991 Exhibit 99. 1 FOR IMMEDIATE RELEASE Date: August 28, 2026 For Further Information Contact: John M. McCaffery Executive Vice President & Chief Financial Officer NORWOOD FINANCIAL CORP 272-304-3003 www.waynebank.com NORWOOD FINANCIAL CORP ADOPTS STOCK REPURCHASE PROGRAM Honesdale, Pennsylvania, August 28, 2026 - Norwood Financial Corp (the “Company”) (Nasdaq Global Market-NWFL), the holding company of Wayne Bank, t…
Read attachment ↗nwfl-20260727xex99_1.htm · 8-K · 2026-07-27
EX-99.1 2 nwfl-20260727xex99_1.htm EX-99.1 Exhibit 991 Exhibit 99.1 Q2 2026 Investor Presentation Community Bank Making Every Day Better™ JULY 27, 2026 Norwood FINANCIAL CORP Forward-looking statements and additional information This presentation contains forward-looking statements within the meaning of the federal securities laws that are made by Norwood Financial Corp (“Norwood”). All statements other than statements of historical fact are statements that could be deemed forward-look…
Read attachment ↗nwfl-20260722xex99_1.htm · 8-K · 2026-07-22
EX-99.1 2 nwfl-20260722xex99_1.htm EX-99.1 Exhibit 991 FOR IMMEDIATE RELEASE Norwood Financial Corp announces Second Quarter Financial Results Quarterly Highlights: Record net income of $9.3 million. Record net interest income of $26.8 million. Diluted earnings per share of $0.86. Total assets of $2.908 billion. Tangible book value per share increased to $22.96, surpassing the pre-acquisition value of $22.90. Successfully completed Presence Bancshares integration, …
Read attachment ↗