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Upturn AI SWOT - About
NWFL 
Norwood Financial Corp (NWFL)
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Upturn Advisory Summary
04/01/2025: NWFL (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -16.35% | Avg. Invested days 46 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 243.66M USD | Price to earnings Ratio 16.58 | 1Y Target Price 31 |
Price to earnings Ratio 16.58 | 1Y Target Price 31 | ||
Volume (30-day avg) 17756 | Beta 0.61 | 52 Weeks Range 22.72 - 34.09 | Updated Date 03/30/2025 |
52 Weeks Range 22.72 - 34.09 | Updated Date 03/30/2025 | ||
Dividends yield (FY) 4.70% | Basic EPS (TTM) 1.59 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 20.62% | Operating Margin (TTM) 30.89% |
Management Effectiveness
Return on Assets (TTM) 0.58% | Return on Equity (TTM) 7.13% |
Valuation
Trailing PE 16.58 | Forward PE - | Enterprise Value 326779072 | Price to Sales(TTM) 4.7 |
Enterprise Value 326779072 | Price to Sales(TTM) 4.7 | ||
Enterprise Value to Revenue 7.49 | Enterprise Value to EBITDA - | Shares Outstanding 9241760 | Shares Floating 7180738 |
Shares Outstanding 9241760 | Shares Floating 7180738 | ||
Percent Insiders 8.85 | Percent Institutions 27.23 |
Analyst Ratings
Rating 5 | Target Price 31 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Norwood Financial Corp
Company Overview
History and Background
Norwood Financial Corp operates as the bank holding company for Wayne Bank, offering a range of financial services. Founded in 1870, Wayne Bank has grown through acquisitions and organic expansion, focusing on community banking.
Core Business Areas
- Community Banking: Provides traditional banking services to individuals, businesses, and municipalities, including deposit accounts, loans, and other financial products.
- Wealth Management: Offers investment management, trust services, and financial planning to individuals and families.
Leadership and Structure
Lewis J. Critelli serves as the President and CEO. The organizational structure includes various departments such as lending, retail banking, finance, and wealth management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes. Market share data unavailable. Competitors: large national banks, regional banks, credit unions.
- Residential Mortgages: Mortgages for home purchases. Market share data unavailable. Competitors: large national banks, mortgage companies.
- Deposit Accounts: Checking, savings, and money market accounts. Market share data unavailable. Competitors: large national banks, online banks, credit unions.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes, interest rate fluctuations, and economic conditions.
Positioning
Norwood Financial Corp positions itself as a community bank, emphasizing personalized service and local decision-making.
Total Addressable Market (TAM)
The TAM is the total banking market in its service area, estimated at several billion dollars. Norwood Financial Corp aims to capture a significant share through its community-focused approach.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Experienced management team
- Diversified product offerings
- Strong capital base
Weaknesses
- Limited geographic footprint
- Reliance on traditional banking model
- Smaller scale compared to larger competitors
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Acquisitions of smaller banks
- Growth in wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Regulatory changes
- Economic downturn
- Rising interest rates
Competitors and Market Share
Key Competitors
- Fulton Financial Corp (FULT)
- ESSA Bancorp, Inc. (ESSA)
- Lakeland Bancorp, Inc. (LBAI)
Competitive Landscape
Norwood Financial Corp competes with larger regional banks and smaller community banks. Its competitive advantage lies in its personalized service and strong community relationships.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth data unavailable due to request constraints.
Future Projections: Future projection data unavailable due to request constraints.
Recent Initiatives: Recent strategic initiative data unavailable due to request constraints.
Summary
Norwood Financial Corp is a community-focused bank with a long history and established presence. Its strengths include strong community relationships and a diversified product offering. However, it faces challenges from larger competitors and evolving market dynamics. Strategic initiatives and expansions could improve its growth trajectory.
Similar Companies
- ESSA
- FULT
- LBAI
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Industry reports
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data are estimated and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Norwood Financial Corp
Exchange NASDAQ | Headquaters Honesdale, PA, United States | ||
IPO Launch date 1998-03-02 | President, CEO & Director Mr. James O. Donnelly | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 264 | Website https://wayne.bank |
Full time employees 264 | Website https://wayne.bank | ||
Norwood Financial Corp. operates as the bank holding company for Wayne Bank that provides various banking products and services in the United States. The company offers deposit products, including interest-bearing and non-interest-bearing transaction, statement savings, and money market accounts, as well as certificate of deposits. Its commercial loans include 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; construction financing; land and 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 automated teller machines and branches in Northeastern Pennsylvania; and in New York counties of Delaware, Sullivan, Ontario, Otsego, and Yates. The company was founded in 1870 and is based in Honesdale, Pennsylvania.
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