Norwood Financial Corp. (NWFL)

In the past six months, NWFL's stock has trended up; key events include the acquisition of PB Bankshares, Inc., dividend increases to $0.32 per share, Q3 2025 earnings announcements resulting in a stock gain, analyst ratings with a consensus "Hold" rating, and insider trading with 11 purchases and no sales.

Analysis suggests that buying Norwood Financial Corp. stock in November has the highest probability of a positive return, while February has the lowest probability, indicating a seasonal pattern in investor behavior affecting the stock.

Norwood Financial Corp. operates as the bank holding company for Wayne Bank, a community-oriented financial institution established in 1870 and headquartered in Honesdale, Pennsylvania, offering a comprehensive suite of banking products and services to consumers, businesses, nonprofit organizations, and municipalities, including deposit products, loan products, and other services such as investment securities, trust products, and insurance.

Norwood Financial Corp., through Wayne Bank, primarily operates in Northeastern Pennsylvania, serving counties such as Wayne, Pike, Monroe, Lackawanna, and Susquehanna, and also has a presence in several New York counties, including Delaware, Sullivan, Ontario, Otsego, and Yates; the acquisition of PB Bankshares, Inc. expanded its footprint into Central and Southeastern Pennsylvania, with approximately 33 office locations.

While direct statements are unavailable, Norwood Financial Corp.'s brand reputation is indirectly reflected by its strategic acquisition of PB Bankshares, Inc., its status as a "Dividend Champion" with 33 consecutive years of dividend increases, its community focus emphasizing personalized service, and its mixed financial performance with strong Q2 2025 earnings but a valuation adjustment in October 2025.

Norwood Financial Corp. has a mixed ownership structure comprising institutional investors holding approximately 14.21% to 36.36% of the stock, insiders owning approximately 7.75% to 9.10%, and public companies and individual investors holding a significant portion estimated to be around 69.60% to 8.44%.