Norwood Financial (NWFL)
Runs Wayne Bank's deposit, lending, treasury, and trust franchise across Pennsylvania and New York.
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Wayne Bank gathers local deposits, makes commercial, mortgage, consumer, and agricultural loans, and adds treasury and trust services. The franchise is concentrated in Pennsylvania and New York, with acquisition integration and interest-rate sensitivity shaping the model.
Through Wayne Bank, the business gathers deposits and offers commercial, mortgage, consumer, and agricultural lending. Treasury management, payment services, safe-deposit services, and wealth/trust work add fee-based customer relationships around the core Community Banking segment.
The footprint is concentrated in Pennsylvania and New York, rooted in Honesdale and expanded through bank acquisitions. Presence Bank added more Pennsylvania counties, while earlier deals added New York markets.
Execution depends on local deposit gathering, credit quality, interest-rate spreads between loans and funding costs, and smooth integration of acquired banks. The holding company and bank also operate under Federal Reserve, Pennsylvania, and FDIC supervision.
Company facts
No analyst consensus on record.
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $499.3M · Total debt $65.5M · Total assets $2.91B · Shareholders' equity $289.6M
- Revenue
- $43.0M
- Operating income
- $11.6M
- Net income
- $9.3M
HistoryDividendAnnual yieldUpcoming
| Institutions | ≈ 40.77% | 4.44M shares | |
|---|---|---|---|
| 113 holders · as of Jun 30, 2026 · largest filers plus last quarter's tail | |||
| Insiders | 4.55% | 495.9K shares | |
| 19 holders · as of Sep 11, 2026 | |||
| Other | ≈ 54.68% | 5.95M shares | |
| remainder | |||
10.89M company shares as of Sep 23, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
This quarter's institutional total failed a plausibility check; shown: the largest filers plus last quarter's remainder.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
BlackRock, Inc.Institution | 7.13% | 776,358 | as of Jun 30, 2026 |
Wellington Management Group LLPInstitution | 5.21% | 567,505 | as of Jun 30, 2026 |
Bay Pond Partners, L.P.Institution | 4.23% | 460,306 | filed Feb 10, 2026 |
Vanguard Capital Management LLCInstitution | 4.06% | 441,759 | as of Jun 30, 2026 |
Geode Capital Management, LLCInstitution | 2.37% | 258,159 | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Sep 2, 2026 | Vincent O'Bell | officer: EVP & Chief Lending Officer | −3,000 | $34.52 |
| Jul 28, 2026 | James Shook | director | +3,100 | $34.55 |
| Aug 5, 2025 | Ronald R. Schmalzle | director | +600 | $24.35 |
| May 26, 2026 | Ronald R. Schmalzle | director | +700 | $30.19 |
| May 12, 2026 | Andrew Forte | director | +270 | $29.58 |
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- F.N.B.
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CompareAfter hours
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Norwood Financial | $33.34 | +0.21% | $373.9M | 10.9 | 8.8 | 2.6 | +37.8% |
| Peoples Financial Services | $68.51 | +0.26% | $698.1M | 12.3 | 9.7 | 2.4 | +7.6% |
| NBT Bancorp | $50.48 | −0.02% | $2.64B | 12.5 | 11.5 | 2.8 | +9.4% |
| CNB Financial | $33.43 | +0.06% | $998.9M | 10.9 | 9.4 | 2.1 | +55.7% |
| Community Financial System | $60.69 | −0.12% | $3.21B | 14.2 | 12.5 | 3.1 | +9.6% |
| Fulton Financial | $22.75 | +0.02% | $4.40B | 11.0 | 10.3 | 2.3 | +13.5% |
| F.N.B. | $17.30 | 0.00% | $6.27B | 10.5 | 9.7 | 2.3 | +5.6% |
| Median | 11.7 | 10.0 | 2.4 | +9.5% |