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
QuarterlyIQ Insights · NWFL
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits well below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -6.3% |
| Our one-year growth estimate | diamond | -11.4% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 5.1 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 230 industry peers · Company calendar date is not available
NWFL — dividend update
Dated 2026-09-16
Other Events On September 16, 2026, Norwood Financial Corp announced that its Board of Directors had declared a quarterly cash dividend of $0.32 per share payable on November 2, 2026, to stockholders of record as of October 15, 2026. A copy of the press release dated September 16, 2026, announcing the dividend is included as Exhibit 99.1 to this report and is incorporated herein by reference. Section 9 – Financial Statements and Exhibits
Why it matters: Two loans tied to the borrower still total $7.1 million. New losses could undo some of the improvement in credit measures.
Worry ifA new charge-off or a rise in nonperforming loans above 0.73% is reported.
Less concerning ifNo new charge-off is reported, and nonperforming loans stay at or below 0.73%.
Why it matters: Margin reached 4.01% in Q3, helped by loan interest and fees from a resolved bankruptcy case. A lower margin would show that this boost did not last.
Watch forNext-quarter net interest margin stays at or above 4.00%.
Also watch forNext quarter's net interest margin falls below 3.90%.
Why it matters: The board approved a plan for up to 550,000 shares, about 5% of shares outstanding. Reported repurchases would show the plan is in use.
Supportive ifA company filing or release reports repurchases under the plan, with the share count stated.
Worry ifA later filing or release reports no repurchases. Or, the plan ends with no reported purchases.
Why it matters: Management has named expense control as a focus. Q3 earnings rose, but the figures do not show that costs fell.
Watch forQuarterly other expenses fall below the Q3 level of $15.552 million.
Also watch forOther expenses for the quarter rise above $15.552 million.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$82 on $10,000 · ±0.8% | How much price usually moves either way. |
| Bad day | $240 loss on $10,000 · 2.4% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,287 loss on $10,000 · 12.9% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: Management linked the acquisition to strong results, and the core system change is complete. Flat or lower net interest income would weaken that evidence.
Supportive ifNext-quarter net interest income exceeds Q3’s $28.009 million.
Worry ifNext-quarter net interest income is at or below $28.009 million.