36.24
+1.57%
Close of 9 Nov 2026, in USD
Search any instrument
Reference data, closing prices and charts across 45,000 companies, plus crypto, commodities and currencies.
About Norwood Financial
From its filings with the US Securities and Exchange Commission
Norwood Financial is based in Honesdale, Pennsylvania and is incorporated in Pennsylvania. Its shares trade on Nasdaq under the ticker NWFL. The SEC classifies its business as state commercial banks. In the fiscal year to 31 December 2025, it reported revenue of $8.0m and net income of $27.8m. At that date it held total assets of $2.42bn and shareholders' equity of $242.2m.
Norwood Financial Corp (the “Company”), a Pennsylvania corporation, was incorporated in 1995 to become the holding company for Wayne Bank (the “Bank”). The Company is a registered bank holding company subject to regulation and supervision by the Board of Governors of the Federal Reserve System (“Federal Reserve”). As of December 31, 2025, the Company had total consolidated assets of $2.425 billion, consolidated deposits of $2.183 billion, and consolidated stockholders’ equity of $242.2 million. The Company’s ratio of average equity to average assets was 9.59%, 8.26%, and 8.14% for fiscal years 2025, 2024 and 2023, respectively.
Wayne Bank is a Pennsylvania chartered bank and trust company headquartered in Honesdale, Pennsylvania. The Bank was originally chartered on February 17, 1870, as Wayne County Savings Bank and changed its name to Wayne County Bank and Trust in December 1943. In September 1993, the Bank adopted the name Wayne Bank. The Bank’s deposits are insured to applicable limits by the Federal Deposit Insurance Corporation (“FDIC”) and the Bank is a member of the Federal Home Loan Bank (“FHLB”) of Pittsburgh. The Bank is regulated and examined by the Pennsylvania Department of Banking and Securities (“Department”) and the FDIC. The Bank is an independent community bank with fifteen offices in Northeastern Pennsylvania and fourteen offices in Delaware, Sullivan, Ontario, Otsego and Yates Counties, New York.
Quoted from its 10-K, filed 13 Mar 2026. Read the filing on SEC.gov ↗
Company facts
- Sector
- Financials
- Industry
- Banks
- Listed since
- 2 Jan 1997
- Employees
- 275
- Head office
- 717 MAIN ST, HONESDALE, PA, 18431
- Incorporated in
- PA
- Classification
- State Commercial Banks
- Filer status
- Accelerated filer<br>Smaller reporting company
Leadership
Pay as last reported
- Dr. Andrew ForteIndependent Chairman of the Board$105,056
- Mr. Lewis CritelliChairman Emeritus, since 1996$121,574
- Mr. James DonnellyPresident, Chief Executive Officer, Director, since 2022$874,697
- Mr. Kevin LamontIndependent Vice Chairman of the Board$108,057
- Mr. John MccafferyChief Financial Officer, Executive Vice President, Secretary
- Mr. John CarmodyExecutive Vice President, Chief Credit Officer$366,162
- Mr. Vincent O'BellExecutive Vice President, Chief Lending Officer$372,786
- Mr. Jeffrey GiffordIndependent Director$104,306
- Ms. Meg HungerfordIndependent Director$104,736
- Mr. Ralph MatergiaIndependent Director$102,034
- Ms. Alexandra NolanIndependent Director$107,306
- Dr. Kenneth PhillipsIndependent Director$102,784
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 19
- Environment
- 21
- Social
- 13
- Governance
- 21
- Carbon reduction policy
- No
- Human rights policy
- No
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Strong Financial Performance: Norwood Financial Corp has consistently displayed a solid financial performance, generating stable revenues and profits over the years.
- Established Market Presence: With a long history in the financial industry, Norwood Financial Corp has developed a strong foothold in its target markets, enjoying the trust of its customers.
- Diversified Product and Service Portfolio: The company offers a wide range of financial products and services, including deposit accounts, loans, wealth management, and insurance solutions, catering to diverse customer needs.
- Skilled Workforce: Norwood Financial Corp boasts a team of experienced professionals who possess a deep understanding of the industry, enabling them to deliver high-quality and personalized customer service.
Weaknesses
- Limited Geographic Presence: Although the company has a strong market presence in its current locations, its geographic footprint is relatively narrow, making it vulnerable to regional economic fluctuations.
- Dependence on Interest Margins: Norwood Financial Corp heavily relies on net interest margins as a significant source of revenue, which exposes it to interest rate risks and potentially diminishes profitability during periods of low interest rates.
- Relatively Small Size: Compared to larger financial institutions, Norwood Financial Corp's size may limit its capacity to invest in cutting-edge technology and innovate at the same pace, potentially affecting competitiveness in the long term.
Opportunities
- Market Expansion: Norwood Financial Corp can explore opportunities to expand its geographic reach by targeting new regions or acquiring smaller community banks in strategic locations.
- Digital Transformation: The company can invest in digital banking solutions, enhancing its online presence, improving convenience for customers, and streamlining internal operations.
- Growing Demand for Wealth Management: As the population continues to age and wealth management becomes increasingly important, Norwood Financial Corp can seize the opportunity to expand its wealth management services and cater to the specific needs of affluent customers.
Threats
- Intense Market Competition: Norwood Financial Corp faces fierce competition from established financial institutions and emerging fintech companies, requiring continuous efforts to differentiate its offerings and retain customers.
- Regulatory and Compliance Risks: The banking sector is highly regulated, and any failure to comply with existing or future regulations could lead to penalties, reputation damage, and potential loss of customers.
- Economic Downturns: Norwood Financial Corp's performance is influenced by the overall state of the economy, and economic downturns, recessions, or financial crises can negatively impact the demand for financial services and the company's profitability.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
Nothing here is investment advice. Prices can be delayed or wrong, so check with the exchange before relying on them. Data for this page. How we cover markets.