Expectations trend
FY2027 · fiscal year ending 2027-12-31 · fmp
Norwood Financial Corp. (NWFL)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$35.87-1.97%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.
Next-FY EPS estimate change · 30 days
3.88 → 3.92 EPS · FY ending Dec 31, 2027 · 2 analysts
One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.
Change in the same fiscal period’s mean EPS estimate from Oct 5, 2026 to Nov 4, 2026: (new ÷ prior − 1). Contributor count changed from 2 to 2; this is not the number of analysts revising. The ±10% axis is a display range.
The EPS and P/E reference is not available for NWFL yet.
| Measure / period | Management expectations | Analyst expectations |
|---|
Management figures unavailable.
Current consensus figures unavailable.
4 published thesis conditions, with dated milestones shown separately.
| Key Factor | Why It Matters | Current Status | Break Condition | Latest Evidence |
|---|---|---|---|---|
Complete and integrate PB Bankshares acquisition | A primary condition in Norwood Financial Corp.'s published investment case. The stated target is PB Bankshares assets of $456.4 million integrated. | Intact | Acquisition not fully integrated or assets below $450 million | Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Date unavailableLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Compare these dated observations with the operating requirements above
FY2027 · fiscal year ending 2027-12-31 · fmp
The evidence, the remaining questions, and what comes next
No recovery evidence is reported in the available driver assessments.
Observed price history; separate from operating scenarios
The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.
NWFL is a smaller financial company with a thesis tied to earnings execution and the benefits of its Presence Bancshares integration. The thesis has improved in some areas, but remains on watch because recent financial performance is weak relative to its industry cohort and management execution is mixed.
Valuation is neutral, with a modest premium versus peers and expectations that are close to the model view. The market setup is described as justified, with low signs of fragility, though valuation has risen recently.
Near term, earnings improved from the second to the third quarter of 2026, net interest income is higher than a year earlier, and the reported nonperforming-loan ratio improved. Integration progress is tangible, but evidence of expense reduction is limited, and recent performance remains weak relative to peers; the stated near-term miss risk is low, with a history of recent misses noted.
The multi-year view depends on sustained integration benefits, disciplined expense management, and continued credit quality improvement. Near term, a guidance cut would be a meaningful negative, while rate cuts could weigh on the financial sector; continued earnings strength and higher guidance from sector peers would be a favorable backdrop.
Over the next 1 to 3 years, NWFL has evidence of improving earnings, integration progress, and better reported credit quality, but execution and relative performance still need to strengthen. Not investment advice.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| Earnings per share are expected to rise to $0.72 in 2026. |
| Intact |
| Dividend falls below $0.32 per share |
Dividend per share: $0.32 per share FY2026-Q2; GAAP. Published target: >=0.32 USD per share quarterly. Target period is not explicitly aligned with this observation. Aug 7, 20260.32 USD/share · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
EPS at least $0.72 in 2026 | A primary condition in Norwood Financial Corp.'s published investment case. The stated target is >=0.72 USD per share. | Intact | EPS falls below $0.72 in FY26 | Diluted EPS: $0.86 per share FY2026-Q2; GAAP. Published target: >=0.72 USD per share. Annual target cannot be compared with a quarterly or TTM observation. Aug 7, 20260.86 USD/share · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Revenue decline limited to no worse than -7% next year | A primary condition in Norwood Financial Corp.'s published investment case. The stated target is >= -7% YoY. | Improving | Revenue falls more than 7% below prior year in FY27 | Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Date unavailableLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.
$3.65 → $3.92 · observed estimates
$0.12B → $0.13B · observed estimates
One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.
| Snapshot | EPS | Revenue | EPS / revenue analysts |
|---|---|---|---|
| 2026-07-24 | $3.65 | $120,100,000 | 2 / 1 |
| 2026-07-25 | $3.79 | $124,700,000 | 2 / 1 |
| 2026-07-26 | $3.79 | $124,700,000 | 2 / 1 |
| 2026-07-27 | $3.79 | $124,700,000 | 2 / 1 |
| 2026-07-28 | $3.79 | $124,700,000 | 2 / 1 |
| 2026-07-29 | $3.85 | $124,700,000 | 1 / 1 |
| 2026-07-30 | $3.85 | $124,700,000 | 2 / 1 |
| 2026-07-31 | $3.85 | $124,700,000 | 2 / 1 |
| 2026-08-01 | $3.85 | $124,700,000 | 1 / 1 |
| 2026-08-02 | $3.85 | $124,700,000 | 1 / 1 |
| 2026-08-03 | $3.85 | $124,700,000 | 2 / 1 |
| 2026-08-04 | $3.85 | $124,700,000 | 1 / 1 |
| 2026-08-05 | $3.85 | $124,700,000 | 1 / 1 |
| 2026-08-06 | $3.85 | $124,700,000 | 1 / 1 |
| 2026-08-07 | $3.85 | $124,700,000 | 1 / 1 |
| 2026-08-08 | $3.85 | $124,700,000 | 2 / 1 |
| 2026-08-09 | $3.85 | $124,700,000 | 2 / 1 |
| 2026-08-10 | $3.85 | $124,700,000 | 1 / 1 |
| 2026-08-12 | $3.85 | $124,700,000 | 1 / 1 |
| 2026-08-13 | $3.85 | $124,700,000 | 2 / 1 |
| 2026-08-14 | $3.85 | $124,700,000 | 1 / 1 |
| 2026-08-15 | $3.85 | $124,700,000 | 1 / 1 |
| 2026-08-16 | $3.85 | $124,700,000 | 1 / 1 |
| 2026-08-17 | $3.85 | $124,700,000 | 1 / 1 |
| 2026-08-18 | $3.85 | $124,700,000 | 1 / 1 |
| 2026-08-19 | $3.85 | $124,700,000 | 1 / 1 |
| 2026-08-20 | $3.85 | $124,700,000 | 1 / 1 |
| 2026-08-21 | $3.85 | $124,700,000 | 1 / 1 |
| 2026-08-22 | $3.85 | $124,700,000 | 1 / 1 |
| 2026-08-23 | $3.85 | $124,700,000 | 1 / 1 |
| 2026-08-24 | $3.85 | $124,700,000 | 1 / 1 |
| 2026-08-25 | $3.85 | $124,700,000 | 1 / 1 |
| 2026-08-26 | $3.85 | $124,700,000 | 1 / 1 |
| 2026-08-27 | $3.85 | $124,700,000 | 1 / 1 |
| 2026-08-28 | $3.85 | $124,700,000 | 1 / 1 |
| 2026-08-29 | $3.85 | $124,700,000 | 1 / 1 |
| 2026-08-30 | $3.85 | $124,700,000 | 1 / 1 |
| 2026-08-31 | $3.85 | $124,700,000 | 1 / 1 |
| 2026-09-01 | $3.85 | $124,700,000 | 1 / 1 |
| 2026-09-02 | $3.85 | $124,700,000 | 1 / 1 |
| 2026-09-03 | $3.85 | $124,700,000 | 1 / 1 |
| 2026-09-04 | $3.85 | $124,700,000 | 1 / 1 |
| 2026-09-05 | $3.85 | $124,700,000 | 1 / 1 |
| 2026-09-06 | $3.85 | $124,700,000 | 1 / 1 |
| 2026-09-07 | $3.85 | $124,700,000 | 1 / 1 |
| 2026-09-08 | $3.85 | $124,700,000 | 1 / 1 |
| 2026-09-09 | $3.85 | $124,700,000 | 1 / 1 |
| 2026-09-10 | $3.85 | $124,700,000 | 1 / 1 |
| 2026-09-11 | $3.85 | $124,700,000 | 1 / 1 |
| 2026-09-12 | $3.85 | $124,700,000 | 1 / 1 |
| 2026-09-13 | $3.85 | $124,700,000 | 1 / 1 |
| 2026-09-14 | $3.85 | $124,700,000 | 1 / 1 |
| 2026-09-15 | $3.85 | $124,700,000 | 1 / 1 |
| 2026-09-16 | $3.85 | $124,700,000 | 1 / 1 |
| 2026-09-17 | $3.85 | $124,700,000 | 1 / 1 |
| 2026-09-18 | $3.85 | $124,700,000 | 1 / 1 |
| 2026-09-19 | $3.85 | $124,700,000 | 1 / 1 |
| 2026-09-20 | $3.85 | $124,700,000 | 1 / 1 |
| 2026-09-21 | $3.85 | $124,700,000 | 1 / 1 |
| 2026-09-22 | $3.85 | $124,700,000 | 1 / 1 |
| 2026-09-23 | $3.85 | $124,700,000 | 1 / 1 |
| 2026-09-24 | $3.88 | $125,300,000 | 1 / 1 |
| 2026-09-25 | $3.88 | $125,300,000 | 1 / 1 |
| 2026-09-26 | $3.88 | $125,300,000 | 1 / 1 |
| 2026-09-27 | $3.88 | $125,300,000 | 2 / 1 |
| 2026-09-28 | $3.88 | $125,300,000 | 2 / 1 |
| 2026-09-29 | $3.88 | $125,300,000 | 2 / 1 |
| 2026-09-30 | $3.88 | $125,300,000 | 2 / 1 |
| 2026-10-01 | $3.88 | $125,300,000 | 2 / 1 |
| 2026-10-02 | $3.88 | $125,300,000 | 2 / 1 |
| 2026-10-03 | $3.88 | $125,300,000 | 2 / 1 |
| 2026-10-04 | $3.88 | $125,300,000 | 2 / 1 |
| 2026-10-05 | $3.88 | $125,300,000 | 2 / 1 |
| 2026-10-06 | $3.88 | $125,300,000 | 2 / 1 |
| 2026-10-07 | $3.88 | $125,300,000 | 2 / 1 |
| 2026-10-08 | $3.88 | $125,300,000 | 2 / 1 |
| 2026-10-09 | $3.88 | $125,300,000 | 2 / 1 |
| 2026-10-10 | $3.88 | $125,300,000 | 2 / 1 |
| 2026-10-11 | $3.88 | $125,300,000 | 2 / 1 |
| 2026-10-12 | $3.88 | $125,300,000 | 2 / 1 |
| 2026-10-13 | $3.88 | $125,300,000 | 2 / 1 |
| 2026-10-14 | $3.88 | $125,300,000 | 2 / 1 |
| 2026-10-15 | $3.88 | $125,300,000 | 2 / 1 |
| 2026-10-16 | $3.88 | $125,300,000 | 2 / 1 |
| 2026-10-17 | $3.88 | $125,300,000 | 2 / 1 |
| 2026-10-18 | $3.88 | $125,300,000 | 2 / 1 |
| 2026-10-19 | $3.88 | $125,300,000 | 2 / 1 |
| 2026-10-20 | $3.88 | $125,300,000 | 2 / 1 |
| 2026-10-21 | $3.88 | $125,300,000 | 2 / 1 |
| 2026-10-22 | $3.88 | $125,300,000 | 2 / 1 |
| 2026-10-23 | $3.88 | $125,300,000 | 2 / 1 |
| 2026-10-24 | $3.88 | $125,300,000 | 2 / 1 |
| 2026-10-25 | $3.88 | $125,300,000 | 2 / 1 |
| 2026-10-26 | $3.88 | $125,300,000 | 2 / 1 |
| 2026-10-27 | $3.88 | $125,300,000 | 2 / 1 |
| 2026-10-28 | $3.88 | $125,300,000 | 2 / 1 |
| 2026-10-29 | $3.88 | $125,300,000 | 2 / 1 |
| 2026-10-30 | $3.88 | $125,300,000 | 2 / 1 |
| 2026-10-31 | $3.88 | $125,300,000 | 2 / 1 |
| 2026-11-01 | $3.88 | $125,300,000 | 2 / 1 |
| 2026-11-02 | $3.88 | $125,300,000 | 2 / 1 |
| 2026-11-03 | $3.88 | $125,300,000 | 2 / 1 |
| 2026-11-04 | $3.92 | $125,300,000 | 2 / 1 |
Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.
Latest: 1 Buy / Strong Buy · 1 Hold · 0 Sell / Strong Sell
Recent actions · Oct 6–Nov 4 · 0 recorded
Individual price-target observations are unavailable.
0 raises · 0 cuts · 0 unchanged · 0 without a comparable prior
Oct 6, 2026–Nov 4, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.
Next earnings date unavailable
Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.
Review earnings4 of 4 published conditions remain under pressure or need verification. The next results need to address those conditions.
The dated weekly assessment and its assumptions are available in Read detailed Outlook.