Norwood Financial Ownership

NWFL Stock  USD 26.25  0.29  1.12%   
The market capitalization of Norwood Financial Corp is $243.66 Million. Norwood Financial Corp secures 8.85 % of its outstanding shares held by insiders and 27.23 % owned by institutional investors. Note, that even with substantial debt, if the true value of the firm is larger than the current market value, you may still be able to generate positive returns on investment in this company at some point.
 
Shares in Circulation  
First Issued
2009-03-31
Previous Quarter
M
Current Value
M
Avarage Shares Outstanding
6.2 M
Quarterly Volatility
1.2 M
 
Credit Downgrade
 
Yuan Drop
 
Covid
Please note, institutional investors have a lot of resources and new technology at their disposal. They can put in a lot of research and financial analysis when reviewing investment options. There are many different types of institutional investors, including banks, hedge funds, insurance companies, and pension plans. One of the main advantages they have over retail investors is the fees paid for trades. As they are buying in large quantities, they can manage their cost more effectively.
  
Check out Correlation Analysis to better understand how to build diversified portfolios, which includes a position in Norwood Financial Corp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census.

Norwood Stock Ownership Analysis

About 27.0% of the company shares are owned by institutional investors. The company has price-to-book ratio of 1.24. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. Norwood Financial Corp last dividend was issued on the 15th of January 2025. The entity had 3:2 split on the 18th of September 2017. Norwood Financial Corp. operates as the bank holding company for Wayne Bank that provides various banking products and services. Norwood Financial Corp. was founded in 1870 and is headquartered in Honesdale, Pennsylvania. Norwood Financial operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 263 people. To find out more about Norwood Financial Corp contact James Donnelly at 570 253 1455 or learn more at https://wayne.bank.
Besides selling stocks to institutional investors, Norwood Financial also allocates a substantial amount of its earnings to a pull of share-based compensation to be paid out to its employees, managers, executives, and members of the board of directors. Share-Based compensation (also sometimes called Stock-Based Compensation) is a way of paying different Norwood Financial's stakeholders with equity in the business. It is typically used as a motivation factor for employees to contribute beyond their regular compensation (salary and bonus). It is also used as a tool to align Norwood Financial's strategic interests with those of the company's shareholders. Shares issued to employees are usually subject to a vesting period before they are earned and sold.

Norwood Financial Quarterly Liabilities And Stockholders Equity

2.28 Billion

Norwood Financial Insider Trades History

About 9.0% of Norwood Financial Corp are currently held by insiders. Unlike Norwood Financial's institutional investors, corporate insiders most likely have a limit on the maximum percentage of share ownership. This is done to align insiders' influence against Norwood Financial's private investors even though both sides will benefit from rising prices or experience loss when the share price declines. The good rule to have in mind is that the maximum share ownership percentage of the corporate insiders should not surpass 25%. View all of Norwood Financial's insider trades
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid

Norwood Stock Institutional Investors

Have you ever been surprised when a price of an equity instrument such as Norwood Financial is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Norwood Financial Corp backward and forwards among themselves. Norwood Financial's institutional investor refers to the entity that pools money to purchase Norwood Financial's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
Shares
Commonwealth Equity Services Inc2024-09-30
26.9 K
Bank Of New York Mellon Corp2024-09-30
24.5 K
Eagle Wealth Strategies Llc2024-09-30
23.5 K
Strategic Investment Advisors Inc2024-09-30
21.3 K
Charles Schwab Investment Management Inc2024-09-30
20.5 K
John G Ullman & Associates Inc2024-09-30
19.8 K
Goldman Sachs Group Inc2024-09-30
18.3 K
Jpmorgan Chase & Co2024-09-30
13.9 K
Minerva Advisors Llc2024-09-30
13.7 K
Blackrock Inc2024-09-30
565.7 K
Vanguard Group Inc2024-09-30
386.5 K
Note, although Norwood Financial's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

Norwood Financial Corp Insider Trading Activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Norwood Financial insiders, such as employees or executives, is commonly permitted as long as it does not rely on Norwood Financial's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Norwood Financial insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
 
William Lance over three weeks ago
Acquisition by William Lance of 1500 shares of Norwood Financial at 29.66 subject to Rule 16b-3
 
John Carmody over a month ago
Disposition of 2 shares by John Carmody of Norwood Financial at 30.61 subject to Rule 16b-3
 
Schmalzle Ronald R over two months ago
Insider Trading
 
Gifford Jeffrey S over three months ago
Acquisition by Gifford Jeffrey S of 700 shares of Norwood Financial at 33.53 subject to Rule 16b-3
 
Schmalzle Ronald R over three months ago
Acquisition by Schmalzle Ronald R of 7400 shares of Norwood Financial at 27.0 subject to Rule 16b-3
 
Gifford Jeffrey S over three months ago
Disposition of tradable shares by Gifford Jeffrey S of Norwood Financial at 25.05 subject to Rule 16b-3
 
John McCaffery over three months ago
Acquisition by John McCaffery of 200 shares of Norwood Financial at 25.0 subject to Rule 16b-3
 
John McCaffery over three months ago
Acquisition by John McCaffery of 200 shares of Norwood Financial at 25.15 subject to Rule 16b-3
 
John McCaffery over three months ago
Acquisition by John McCaffery of 145 shares of Norwood Financial at 25.5 subject to Rule 16b-3
 
John McCaffery over three months ago
Acquisition by John McCaffery of tradable shares of Norwood Financial at 25.9 subject to Rule 16b-3
 
John McCaffery over three months ago
Acquisition by John McCaffery of 100 shares of Norwood Financial at 25.75 subject to Rule 16b-3
 
John McCaffery over three months ago
Acquisition by John McCaffery of 250 shares of Norwood Financial at 25.6 subject to Rule 16b-3

Norwood Financial Outstanding Bonds

Norwood Financial issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Norwood Financial Corp uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Norwood bonds can be classified according to their maturity, which is the date when Norwood Financial Corp has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

Norwood Financial Corporate Filings

F4
26th of December 2024
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
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8K
23rd of December 2024
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
18th of December 2024
Other Reports
ViewVerify
10Q
7th of November 2024
Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations
ViewVerify

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When determining whether Norwood Financial Corp is a strong investment it is important to analyze Norwood Financial's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Norwood Financial's future performance. For an informed investment choice regarding Norwood Stock, refer to the following important reports:
Check out Correlation Analysis to better understand how to build diversified portfolios, which includes a position in Norwood Financial Corp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census.
You can also try the Volatility Analysis module to get historical volatility and risk analysis based on latest market data.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Norwood Financial. If investors know Norwood will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Norwood Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.06)
Dividend Share
1.2
Earnings Share
1.59
Revenue Per Share
7.741
Quarterly Revenue Growth
0.025
The market value of Norwood Financial Corp is measured differently than its book value, which is the value of Norwood that is recorded on the company's balance sheet. Investors also form their own opinion of Norwood Financial's value that differs from its market value or its book value, called intrinsic value, which is Norwood Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Norwood Financial's market value can be influenced by many factors that don't directly affect Norwood Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Norwood Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Norwood Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Norwood Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.