NWFL
Norwood Financial Corp.Financial Services · $375M market cap
Verdict
Share price
$33.70
close of Oct 3, 2026
Fair value
$45.37
Sticker Price
Payback Price
$18.15
buy price
NWFL is Undervalued: at $33.70 it trades 26% below its fair value of $45.37. Its buy price (Payback Price) is $18.15, 46% below today's price. Business quality is limited: none of the 5 key numbers clears the 10% bar.
How we valued it
Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.
Business quality
0 of 5 clear the 10% bar. What are the Big Five?
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Since Jul 10, 2026: 1 open-market purchase worth $107K, 4 sales worth $104K and 40 other filings (stock awards, tax withholding and similar). Why purchases matter
Purchases
Sales
O'Bell Vincent
EVP & Chief Lending Officer · 2026-09-02
Sold
$10K
O'Bell Vincent
EVP & Chief Lending Officer · 2026-09-02
Sold
$3K
O'Bell Vincent
EVP & Chief Lending Officer · 2026-09-02
Sold
$38K
O'Bell Vincent
EVP & Chief Lending Officer · 2026-09-02
Sold
$52K
Other filings
Shook James
director · 2026-09-10
Award
$1K
Schmalzle Ronald R
director · 2026-09-10
Award
$1K
PHILLIPS KENNETH A
director · 2026-09-10
Award
$1K
Nolan Alexandra K
director · 2026-09-10
Award
$1K
Nacinovich Marissa S
director · 2026-09-10
Award
$1K
Show all 40 other filingsShow fewer
Matergia Ralph A
director · 2026-09-10
Award
$1K
LAMONT KEVIN M
director · 2026-09-10
Award
$1K
Hungerford Meg L
director · 2026-09-10
Award
$1K
Gifford Jeffrey S
director · 2026-09-10
Award
$1K
FORTE ANDREW
director · 2026-09-10
Award
$2K
Carroll Joseph W
director · 2026-09-10
Award
$1K
Andress Spencer J
director · 2026-09-10
Award
$1K
O'Bell Vincent
EVP & Chief Lending Officer · 2026-09-04
Option exercise
$40K
O'Bell Vincent
EVP & Chief Lending Officer · 2026-09-04
Option exercise
$17K
O'Bell Vincent
EVP & Chief Lending Officer · 2026-09-02
Option exercise
$49K
O'Bell Vincent
EVP & Chief Lending Officer · 2026-09-02
Option exercise
$49K
Shook James
director · 2026-08-10
Award
$1K
Schmalzle Ronald R
director · 2026-08-10
Award
$1K
PHILLIPS KENNETH A
director · 2026-08-10
Award
$1K
Nolan Alexandra K
director · 2026-08-10
Award
$1K
Nacinovich Marissa S
director · 2026-08-10
Award
$1K
Matergia Ralph A
director · 2026-08-10
Award
$1K
LAMONT KEVIN M
director · 2026-08-10
Award
$1K
Hungerford Meg L
director · 2026-08-10
Award
$1K
Gifford Jeffrey S
director · 2026-08-10
Award
$1K
FORTE ANDREW
director · 2026-08-10
Award
$2K
Carroll Joseph W
director · 2026-08-10
Award
$1K
Andress Spencer J
director · 2026-08-10
Award
$1K
Shook James
director · 2026-07-10
Award
$1K
Schmalzle Ronald R
director · 2026-07-10
Award
$1K
PHILLIPS KENNETH A
director · 2026-07-10
Award
$1K
Nolan Alexandra K
director · 2026-07-10
Award
$1K
Nacinovich Marissa S
director · 2026-07-10
Award
$1K
Matergia Ralph A
director · 2026-07-10
Award
$1K
LAMONT KEVIN M
director · 2026-07-10
Award
$1K
Hungerford Meg L
director · 2026-07-10
Award
$1K
Gifford Jeffrey S
director · 2026-07-10
Award
$1K
FORTE ANDREW
director · 2026-07-10
Award
$2K
Carroll Joseph W
director · 2026-07-10
Award
$1K
Andress Spencer J
director · 2026-07-10
Award
$1K
About Norwood Financial Corp.
Norwood Financial Corp. functions as the holding entity for Wayne Bank, delivering a comprehensive suite of financial products and services. The institution facilitates a broad array of deposit options, encompassing both interest-bearing and non-interest-bearing checking accounts, alongside statement savings, money market accounts, and certificates of deposit. Its lending portfolio is extensive, featuring commercial…
Banks - Regional
Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works