Norwood Financial Corp.

How big is Norwood Financial Corp.?

As of Jun 18, Norwood Financial Corp. has a market capitalization of 232.71 million, classifying it as a Micro Cap company, with total assets of 2,320.52 million and shareholder's funds of 213.51 million.

Market Cap: As of Jun 18, Norwood Financial Corp. has a market capitalization of 232.71 million, classifying it as a Micro Cap company.<BR><BR>Recent Quarterly Performance: For the latest four quarters, the sum of interest earned is 115.72 million, while the sum of net profit is 1.17 million.<BR><BR>Balance Sheet Snapshot: As of Dec 24, the shareholder's funds amount to 213.51 million, and total assets are reported at 2,320.52 million.

What does Norwood Financial Corp. do?

Norwood Financial Corp. is a bank holding company with a market cap of USD 232.71 million, reporting net sales of USD 30 million and a net profit of USD 6 million as of March 2025. Key metrics include a P/E ratio of 204.00 and a dividend yield of 4.23%.

Overview:<BR>Norwood Financial Corp. is a bank holding company operating in the regional banks industry, with a market cap of USD 232.71 million.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 30 Million (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 6 Million (Quarterly Results - Mar 2025) <BR>Market cap: USD 232.71 Million (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: 204.00 <BR>Dividend Yield: 4.23% <BR>Debt Equity: 0.00 <BR>Return on Equity: 0.53% <BR>Price to Book: 1.05<BR><BR>Contact Details:<BR>Address: 717 Main St, PO Box 269 HONESDALE PA : 18431-0269 <BR>Tel: 1 717 2531455

Should I buy, sell or hold Norwood Financial Corp.?

Who are in the management team of Norwood Financial Corp.?

As of March 2022, the management team of Norwood Financial Corp. includes Mr. William Davis (Independent Chairman), Mr. Lewis Critelli (President and CEO), Dr. Andrew Forte (Independent Vice Chairman), and several independent directors: Jeffrey Gifford, Alexandra Nolan, Joseph Adams, Susan Campfield, and Meg Hungerford. This team combines independent oversight with executive leadership.

As of March 2022, the management team of Norwood Financial Corp. includes the following individuals:<BR><BR>- Mr. William Davis, Independent Chairman of the Board<BR>- Mr. Lewis Critelli, President, Chief Executive Officer, Director<BR>- Dr. Andrew Forte, Independent Vice Chairman of the Board<BR>- Jeffrey Gifford, Director<BR>- Alexandra Nolan, Director<BR>- Mr. Joseph Adams, Independent Director<BR>- Ms. Susan Campfield, Independent Director<BR>- Ms. Meg Hungerford, Independent Director<BR><BR>This team comprises a mix of independent directors and executives, highlighting a structure aimed at governance and leadership within the company.

Is Norwood Financial Corp. technically bullish or bearish?

As of August 22, 2025, Norwood Financial Corp. shows a mildly bearish trend with mixed technical indicators and has underperformed the S&P 500, with year-to-date and one-year returns of -2.15% and -5.70%, respectively.

As of 22 August 2025, the technical trend for Norwood Financial Corp. has changed from bearish to mildly bearish. The weekly MACD is bullish, but the monthly MACD is bearish, indicating mixed signals across time frames. The daily moving averages are mildly bearish, while the weekly Bollinger Bands show a bullish stance. The KST is bullish weekly but bearish monthly, and the OBV is mildly bearish weekly with no trend monthly. Overall, the lack of strong bullish indicators suggests a cautious outlook.<BR><BR>In terms of performance, Norwood Financial has underperformed the S&P 500 across multiple periods, with a year-to-date return of -2.15% compared to the S&P 500's 12.22%, and a one-year return of -5.70% versus the S&P 500's 17.14%.

Is Norwood Financial Corp. overvalued or undervalued?

As of October 3, 2025, Norwood Financial Corp. is considered overvalued with a high P/E ratio of 204 and an EV to EBITDA ratio of 275.65, indicating it is priced above its earnings potential, especially given its year-to-date return of -5.79% compared to the S&P 500's 14.18%.

As of 3 October 2025, the valuation grade for Norwood Financial Corp. has moved from very expensive to expensive. Based on the current metrics, the company appears to be overvalued. The P/E ratio stands at 204, significantly higher than peers such as Orrstown Financial Services, Inc. with a P/E of 10.63 and Northrim BanCorp, Inc. at 11.11. Additionally, the EV to EBITDA ratio is 275.65, which is also considerably above the industry average, indicating that the stock is priced far above its earnings potential.<BR><BR>The Price to Book Value is 1.09, which is relatively moderate, but combined with the high P/E and EV ratios, it suggests that investors are paying a premium for the stock without corresponding returns. Furthermore, Norwood Financial Corp. has underperformed compared to the S&P 500, with a year-to-date return of -5.79% versus the S&P 500's 14.18%. This underperformance reinforces the notion that the stock may not justify its current valuation.