Norwood Financial Corp.
Description
Norwood Financial Corp. operates as the bank holding company for Wayne Bank that provides various banking products and services. The company accepts a range of deposit products, including interest-bearing and non-interest-bearing transaction accounts, and statement savings and money market accounts, as well as certificate of deposits. It also provides commercial loans comprising lines of credit, revolving credit, term loans, mortgages, secured lending products, and letter of credit facilities; municipal finance lending; construction loans for commercial construction projects and single-family residences; land loans; construction financing; consumer loans; mortgage lending to finance principal residences and second home dwellings; and indirect dealer financing of new and used automobiles, boats, and recreational vehicles. In addition, the company offers investment securities services; personal and business credit services; trust and investment products; and cash management, direct deposit, remote deposit capture, mobile deposit capture, automated clearing house activity, real estate settlement, and Internet and mobile banking services. Further, it engages in the annuity and mutual fund sale, and discount brokerage activities, as well as insurance agency business. The company serves consumers, businesses, nonprofit organizations, and municipalities. It operates branches in Northeastern Pennsylvania; and in Delaware, Sullivan, Ontario, Otsego, and Yates Counties, New York, as well as automated teller machines. Norwood Financial Corp. was founded in 1870 and is headquartered in Honesdale, Pennsylvania.
About
CEO
Mr. James O. Donnelly
Employees
261
Instrument type
Common Stock
Sector
Financial Services
Industry
Banks - Regional
MIC code
XNMS
Address
717 Main Street, Honesdale, PA 18431, United States
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Oscillators
No data available
Summary
No data available
Moving Averages
No data available
Earnings
| Date | Estimate EPS | Actual EPS | Difference | % Surprise |
|---|---|---|---|---|
| Jan 27, 2026 | — | — | — | — |
| Oct 27, 2025 | — | — | — | — |
| Jul 24, 2025 | — | — | — | — |
| Apr 21, 2025 | — | — | — | — |
| Jan 28, 2025 | 0.55 | 0.38 | -0.17 | -30.91% |
Earnings estimate
|
Current Quarter
(Mar 2025)
|
Next Quarter
(Jun 2025)
|
Current Year
(Dec 2025)
|
Next Year
(Dec 2026)
|
|
|---|---|---|---|---|
| Number of analysts | 1 | 1 | 1 | 2 |
| Average estimate | 0.56 | 0.61 | 2.51 | 2.74 |
| Low estimate | 0.56 | 0.61 | 2.51 | 2.70 |
| High estimate | 0.56 | 0.61 | 2.51 | 2.78 |
| Last year EPS | — | — | 1.93 | 2.51 |
[stock_revenue_estimate]
Growth estimates
Current qtr (Mar 2025)
—
Next qtr. (Jun 2025)
—
Current year (Dec 2025)
30.050%
Next year (Dec 2026)
9.160%
Next 5 years (per annum)
—
Past 5 years (per annum)
—
Income statement
| 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|
| Fiscal date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total reported revenue | 70.19M | 78.33M | 73.67M | 58.26M | 45.38M |
| Cost of revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating expense | |||||
| Research & development | — | — | — | — | — |
| Selling general and admin | 25.18M | 23.20M | 21.76M | 21.35M | 17.78M |
| Other operating expenses | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Non operating interest income | |||||
| Income | — | — | — | — | — |
| Expense | — | — | — | — | — |
| Other income expense | — | — | — | — | — |
| Pretax income | 21.15M | 36.39M | 30.86M | 18.37M | 16.82M |
| Tax provision | 4.39M | 7.15M | 5.95M | 3.29M | 2.61M |
| Net income | 16.76M | 29.23M | 24.92M | 15.08M | 14.22M |
| Basic EPS | 2.08 | 3.59 | 3.05 | 2.09 | 2.27 |
| Diluted EPS | 2.07 | 3.58 | 3.04 | 2.09 | 2.25 |
| Basic average shares | 8.06M | 8.14M | 8.17M | 7.22M | 6.26M |
| Diluted average shares | 8.06M | 8.14M | 8.17M | 7.22M | 6.26M |
| EBITDA | — | — | — | — | — |
| Net income from continuing op. | 16.76M | 29.23M | 24.92M | 15.08M | 14.22M |
| Minority interests | — | — | — | — | — |
| Preferred stock dividends | — | — | — | — | — |
Balance sheet
| 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|
| Fiscal date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total assets | — | — | — | — | — |
| Current assets | |||||
| Cash | 28.53M | 28.85M | 21.07M | 19.45M | 15.04M |
| Cash equivalents | — | — | — | — | — |
| Cash and cash equivalents | 66.12M | 31.87M | 206.68M | 111.69M | 15.42M |
| Other short term investments | 406.26M | 418.93M | 406.78M | 226.59M | 210.21M |
| Accounts receivable | 8.12M | 6.92M | 5.89M | 6.23M | 3.72M |
| Other receivables | — | — | — | — | — |
| Inventory | — | — | — | — | — |
| Prepaid assets | — | — | — | — | — |
| Restricted cash | — | — | — | — | — |
| Assets held for sale | — | — | — | — | — |
| Hedging assets | — | — | — | — | — |
| Other current assets | — | — | — | — | — |
| Non current assets | |||||
| Properties | — | — | — | — | — |
| Land and improvements | 3.88M | 3.86M | 3.88M | 3.88M | 2.81M |
| Machinery furniture equipment | 10.22M | 10.51M | 10.18M | 9.72M | 8.16M |
| Construction in progress | — | — | — | — | — |
| Leases | — | — | — | — | — |
| Accumulated depreciation | -20.37M | -19.89M | -18.62M | -17.33M | -14.66M |
| Goodwill | 58.75M | 58.84M | 58.94M | 59.11M | 22.90M |
| Investment properties | — | — | — | — | — |
| Financial assets | — | — | — | — | — |
| Intangible assets | 221,000 | 306,000 | 407,000 | 530,000 | 235,000 |
| Investments and advances | 406.26M | 418.93M | 406.78M | 226.59M | 210.21M |
| Other non current assets | — | — | — | — | — |
| Total liabilities | — | — | — | — | — |
| Current liabilities | |||||
| Accounts payable | 10.51M | 2.65M | 1.20M | 1.60M | 2.43M |
| Accrued expenses | — | — | — | — | — |
| Short term debt | 44.41M | 82.26M | — | — | 31.75M |
| Deferred revenue | — | — | — | — | — |
| Tax payable | — | — | — | — | — |
| Pensions | — | — | — | — | — |
| Other current liabilities | — | — | — | — | — |
| Non current liabilities | |||||
| Long term debt | 69.83M | 40.00M | 30.00M | 42.46M | 56.44M |
| Provision for risks and charges | — | — | — | — | — |
| Deferred liabilities | — | — | — | — | — |
| Derivative product liabilities | — | — | — | — | — |
| Other non current liabilities | — | — | — | — | — |
| Shareholders equity | |||||
| Common stock | 831,000 | 829,000 | 827,000 | 824,000 | 634,000 |
| Retained earnings | 135.28M | 130.02M | 110.02M | 93.80M | 86.54M |
| Other shareholders equity | -47.35M | -57.35M | -256,000 | 5.12M | 1.19M |
| Total shareholders equity | 181.07M | 167.09M | 205.26M | 194.79M | 137.43M |
| Additional paid in capital | 97.70M | 96.90M | 96.44M | 95.39M | 49.47M |
| Treasury stock | 5.40M | 3.31M | 1.77M | 342,000 | 400,000 |
| Minority interest | — | — | — | — | — |
Cash flow statement
| 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 | 1997 | 1996 | 1995 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||||||||||||||||||||||
| Net Income | 16.76M | 29.23M | 24.92M | 15.08M | 14.22M | 13.65M | 8.20M | 6.71M | 5.91M | 7.66M | 8.47M | 8.40M | 7.36M | 7.31M | 7.06M | 6.68M | 6.51M | 5.91M | 5.50M | 5.01M | 4.65M | 4.35M | 4.20M | 3.86M | 3.50M | 3.20M | 2.70M | 1.87M | 1.80M |
| Depreciation | 1.46M | 1.57M | 1.60M | 1.44M | 1.11M | 1.02M | 1.07M | 848,000 | 656,000 | 693,000 | 731,000 | 723,000 | 639,000 | 511,000 | 598,000 | 629,000 | 731,000 | 856,000 | 1.02M | 596,000 | 1.19M | 1.03M | 791,000 | 790,000 | 900,000 | 900,000 | 1.00M | 716,000 | 640,131 |
| Deferred Taxes | 583,000 | 419,000 | -383,000 | 850,000 | 988,000 | 24,000 | 2.73M | 746,000 | -387,000 | -51,000 | 140,000 | 424,000 | -104,000 | -205,000 | -749,000 | 36,000 | -151,000 | -108,000 | -37,000 | -81,000 | -249,000 | -1.16M | -1.49M | -298,000 | -100,000 | 1.30M | 1.20M | 771,000 | -218,926 |
| Stock-Based Compensation | 830,000 | 641,000 | 549,000 | 536,000 | 497,000 | 442,000 | 235,000 | 160,000 | 121,000 | 154,000 | 162,000 | 130,000 | 170,000 | 163,000 | 134,000 | 154,000 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Other Non-Cash Items | -3.09M | -3.37M | -3.00M | -8.24M | -1.23M | -1.39M | -1.15M | -823,000 | -971,000 | -88,000 | -550,000 | -328,000 | -192,000 | -51,000 | — | 632,000 | 278,000 | 658,000 | 743,000 | 1.64M | 1.29M | 884,000 | 2.26M | 1.31M | 1.20M | 1.80M | 1.40M | 416,000 | 4.78M |
| Accounts Receivable | -1.21M | -1.03M | 343,000 | -1.09M | 57,000 | -60,000 | -73,000 | 346,000 | -24,000 | 83,000 | 759,000 | 1.27M | 2.27M | 989,000 | -1.53M | -68,000 | — | — | — | — | — | — | — | — | — | — | — | -53,000 | 236,117 |
| Accounts Payable | 7.86M | 1.45M | -398,000 | -1.01M | 626,000 | 372,000 | 365,000 | 17,000 | -9,000 | -57,000 | 173,000 | -1.29M | -663,000 | -843,000 | 65,000 | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Other Assets & Liabilities | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Operating Cash Flow | 23.19M | 28.92M | 23.63M | 7.57M | 16.26M | 14.06M | 11.38M | 8.01M | 5.29M | 8.39M | 9.88M | 9.34M | 9.48M | 7.88M | 5.58M | 8.06M | 7.37M | 7.32M | 7.22M | 7.16M | 6.89M | 5.11M | 5.76M | 5.66M | 5.50M | 7.20M | 6.30M | 3.72M | 7.24M |
| Investing Activities | |||||||||||||||||||||||||||||
| Capital Expenditures | -1.41M | -2.15M | -1.10M | -739,000 | -1.38M | -873,000 | -1.12M | -511,000 | -290,000 | -193,000 | -393,000 | -417,000 | 609,000 | -79,000 | -127,000 | -325,000 | -287,000 | -1.07M | -446,000 | -445,000 | — | -572,000 | -445,000 | -351,000 | -300,000 | -400,000 | -200,000 | 112,000 | 621,976 |
| Net Intangibles | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Net Acquisitions | — | — | — | 15.19M | — | — | — | 11.11M | — | — | — | — | 4.54M | — | 1.35M | — | — | — | — | — | -221,000 | — | — | — | — | — | — | — | — |
| Purchase of Investments | -12.67M | -130.83M | -268.24M | -82.35M | -21.54M | -15.46M | -19.96M | -100.98M | -50.57M | -74.43M | -84.59M | -67.31M | -54.11M | -106.74M | -58.41M | -46.72M | -62.39M | -32.36M | -18.88M | -43.55M | -107.21M | -69.63M | -63.79M | -19.65M | -43.20M | -33.40M | -20.30M | -9.15M | -57.76M |
| Sale of Investments | 37.06M | 45.89M | 79.58M | 83.37M | 60.90M | 48.62M | 42.51M | 136.93M | 67.83M | 81.30M | 63.49M | 71.52M | 66.90M | 90.59M | 59.50M | 39.39M | 52.73M | 36.56M | 22.81M | 49.50M | 95.92M | 52.82M | 48.39M | 21.64M | 22.30M | 21.50M | 21.80M | 18.12M | 30.95M |
| Investing Cash Flow | 19.68M | -89.00M | -188.90M | 19.41M | 37.62M | 32.64M | 23.39M | 47.01M | 19.59M | 8.96M | -23.14M | 5.26M | 18.66M | -16.06M | 2.31M | -27.19M | -25.78M | -21.75M | -32.88M | -16.04M | -30.89M | -22.45M | -15.94M | -10.92M | -44.00M | -14.50M | -8.80M | -16.84M | -26.18M |
| Financing Activities | |||||||||||||||||||||||||||||
| Long-Term Debt Issuance | 155.00M | 40.00M | — | 10.00M | 31.00M | 30.00M | 28.00M | — | 29.00M | — | 7.00M | — | — | — | — | 25.00M | 15.00M | — | 5.00M | — | — | — | 5.00M | 13.00M | 30.00M | — | 2.00M | 22.86M | — |
| Long-Term Debt Payments | -70.76M | -30.00M | -12.46M | -23.98M | -26.85M | -13.66M | -24.06M | -28.98M | -10.07M | -1.56M | -5.73M | -5.18M | -18.11M | -5.00M | -12.32M | -5.00M | -5.00M | -10.00M | -5.00M | — | — | -2.00M | -8.00M | -15.00M | -2.00M | — | -2.40M | -140,000 | -130,000 |
| Other Financing Charges | — | — | — | — | — | — | — | 38,000 | 16,000 | 17,000 | 39,000 | 30,000 | 5,000 | 34,000 | 164,000 | 134,000 | 162,000 | 10,000 | — | — | — | — | — | — | -100,000 | — | 100,000 | -90,000 | 19.25M |
| Financing Cash Flow | 52.58M | 30.72M | -24.92M | -20.17M | 7.02M | 21.28M | 6.82M | -55.77M | 41.97M | -30.16M | 18.20M | -2.35M | -33.58M | -926,000 | -27.35M | 27.40M | 11.55M | -8.11M | -6.33M | 8.33M | 2.18M | -1.12M | -5.56M | -3.87M | 27.80M | 2.00M | 800,000 | 21.39M | 17.89M |
| Other Cash Details | |||||||||||||||||||||||||||||
| End Cash Position | 66.12M | 31.87M | 206.68M | 111.69M | 15.42M | 18.35M | 16.70M | 17.17M | 10.01M | 12.38M | 7.86M | 12.30M | 21.42M | 16.63M | 17.36M | 6.48M | 9.06M | 9.52M | 9.82M | 20.67M | 9.17M | 16.24M | 17.34M | 11.69M | 10.80M | 12.60M | 10.90M | 15.11M | 6.45M |
| Income Tax Paid | 4.94M | 6.89M | 5.33M | 2.79M | 2.41M | — | — | 1.54M | 2.32M | 2.65M | 2.42M | 2.01M | 2.36M | 2.74M | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Interest Paid | 25.62M | 5.82M | 6.16M | 8.81M | 8.05M | — | — | 3.54M | 3.27M | 3.26M | 3.82M | 4.73M | 5.40M | 6.54M | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Free Cash Flow | 28.41M | 28.58M | 27.94M | 13.05M | 16.82M | 16.43M | 14.42M | 10.87M | 10.21M | 10.34M | 12.30M | 10.94M | 10.62M | 8.40M | 5.76M | 6.83M | 3.42M | 11.71M | 6.51M | 6.61M | 6.50M | 4.63M | 4.41M | 5.68M | 5.00M | 6.50M | 6.30M | 2.75M | 7.24M |
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