Norwood Financial Corp. (NWFL)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$34.71+0.14%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
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 | -6.6% |
| Our one-year growth estimate | diamond | -10.3% |
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 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
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 3.7 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 219 industry peers
NWFL — earnings miss
Dated 2026-07-22
Results of Operations and Financial Condition On July 22, 2026, Norwood Financial Corp (the “Company”), the holding company for Wayne Bank, issued a press release in which it announced its earnings for the quarter ended June 30, 2026. A copy of the press release announcing the results is included as Exhibit 99.1 to this Current Report on Form 8-K and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, nor shall it be deemed incorporated by reference…
Why it matters: A successful integration will help growth. It is important for Norwood's plan.
Supportive ifManagement will soon share news about how integration is going and financial growth.
Worry ifThere may be delays in integration. Financial goals could also be missed after integration.
Why it matters: Keeping the dividend shows good use of money and care for shareholders.
Supportive ifBoard declares a dividend of $0.32 per share for Q3.
Worry ifBoard reduces the dividend below $0.32 per share.
Why it matters: This report will show how the company is doing financially and with integration.
Watch forEarnings report shows improved metrics like net income and net interest margin.
Also watch forThe earnings report shows lower numbers. It may also show big operational problems.
Why it matters: Watching credit quality is important after recent losses. It shows if the company can keep its asset quality.
Worry ifAllowance for credit losses remains at or below 1.13% of total loans.
Less concerning ifAllowance for credit losses goes above 1.5% of total loans. This shows credit quality is getting worse.
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.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$86 on $10,000 · ±0.9% | How much price usually moves either way. |
| Bad day | $226 loss on $10,000 · 2.3% | 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: More charge-offs may show worse credit quality and affect future earnings.
Worry ifNet charge-offs reported above $1.4 million in Q3 2026.
Less concerning ifNet charge-offs remain below $1.4 million in Q3 2026.
Why it matters: Net interest income is a key source of revenue. Stability shows good management and growth potential.
Supportive ifNet interest income remains above $26 million for the next quarter.
Worry ifNet interest income drops below $24 million in the next quarter.
Why it matters: Growth in net income shows good management and success in operations.
Supportive ifNet income exceeds $9.3 million in Q3 2026.
Worry ifNet income falls below $9.3 million in Q3 2026.
Why it matters: Keeping the dividend shows financial health. Changes might hurt investor confidence.
Watch forDividend remains at $0.32 per share in the next announcement.
Also watch forDividend is cut or reduced below $0.32 per share.
Why it matters: The dividend shows the company cares about giving value to shareholders. Stability is key for investor trust.
Supportive ifThe dividend is paid as scheduled at $0.32 per share without any changes.
Worry ifThe dividend is cut or stopped. This shows financial stress.
Why it matters: A drop in revenue growth signals a slowdown in the financial sector. This could impact investor confidence in Norwood Financial.
Worry ifRevenue growth falls below the median of 15% year over year.
Less concerning ifRevenue growth stays above the median of 15% year over year.
Why it matters: A drop in net income may show problems with making money after a strong Q2.
Worry ifNet income reported below $7 million for Q3 2026.
Less concerning ifNet income remains above $7 million for Q3 2026.
Why it matters: Completing this acquisition is key for growth and success.
Supportive ifThe acquisition of PB Bancshares is now complete.
Worry ifAny more delays or issues with the PB Bancshares acquisition.
Why it matters: Starting the buyback program may show trust in the company's value.
Supportive ifAnnouncement of stock buybacks starting under the new program.
Worry ifNo stock repurchases occur within the next quarter.
Why it matters: A fall in net interest margin may show less profit as costs rise.
Worry ifNet interest margin reported below 3.68% for Q3 2026.
Less concerning ifNet interest margin remains above 3.68% for Q3 2026.