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Norwood Financial Corp Stock: price and insider trades · United States
1 insider bought €94k of shares over the last 90 days, the latest filed 30 Jul 2026.
Norwood Financial Corp: what insiders have been doing
Norwood Financial Corp belongs to the Finance & Banking sector. Filings by its managers are published through SEC (Form 4). Between 18 October 2025 and 18 October 2026, 17 insiders published 121 filings.
On the market, 5 insiders bought (10 purchases totalling €305k) while 1 insider sold (4 sales totalling €89k). Purchases outweigh sales by €216k. Unlike grants, an open-market purchase is paid for by the insider, at the market price. Biggest ticket of the year: €94k, bought by Shook James and made public on 30 July 2026 (0.029% of market cap). Those buying include 3 senior executives, 1 finance chief and 1 chief executive.
Compared with its exchange (5,811 companies, median 19 filings), a count of 121 filings is above the norm. Looking back to 2016, when coverage begins, insiders filed 55 purchases and 6 sales. The 10-K for the year ended 31 December 2025 shows 27.8 m USD of net income and a dividend of 1.25 USD per share.
In all, 8 purchases were made within 30 days of a purchase by another insider of the company. Such overlaps are known as a cluster signal: distinct people reaching the same decision at about the same time. The last insider purchase was made public on 30 July 2026, 79 days ago. Filings reach the SEC (Form 4) feed a median of 2 days after the trade. For comparison, the SEC allows two business days to file a Form 4.
Other companies in the same sector with recent insider buying flagged by our signals: First Guaranty Bancshares, Inc. and BCB Bancorp Inc. These figures are compiled from regulatory filings published by SEC (Form 4). They describe what insiders did and are not a recommendation.
Insider Decl.
274
Thresholds
n/a
Buy Volume
€3M
55 ops. · all time
Sell Volume
€159,275
6 ops. · all time
Who traded when
BuySaleRonald R. Schmalzle7 buys
James O. Donnelly6 buys
Vincent O'Bell1 buy4 sales
James Shook4 buys
John Martin McCaffery Jr.3 buys
Andrew Forte2 buys
+2 other insiders
Since the insiders bought
- -1.6%Entry US$33.99 · Close 15 Oct 2026 US$33.46
- +9.2%Entry US$30.87 · Close at T+90 US$33.70
- +9.2%Entry US$30.87 · Close at T+90 US$33.70
Entry is the close on the day after publication, the first price a reader could act on. Prices in the listing currency. Past moves are not a forecast.
Analyst consensus: bullish or bearish?
Analysts rate Norwood Financial Corp Buy (bullish), based on 2 analysts. Average price target: US$36.50.
This score ranks the purchase within its own market. A position size is suggested only on the venues of the backtested strategy universe; elsewhere, signals stay on watch. Not investment advice.
Fundamental score
Ranked 1,199 of 24,148 companies
78.8
score / 100
Value78
Quality80
FCF yld8.0%
Earn yld7.6%
EV/EBITDA·
ROE11%
Gross mgn·
Net mgn32%
Debt/EBITDA·
Pillars2/3
Transparent value + quality ranking, distinct from the insider signal.
Financial data
as of FY 2025FY ended December 2025 · cache
US$33.59
Analyst consensus
2 analystsBuy
US$35.00Target US$36.50(+9%)US$38.00
Income statement
RevenueUS$87.9M
Net incomeUS$27.8M28.9% margin
Valuation
PER (trailing)11.7x
PER (forward)8.7x
P/Book1.3x
Beta0.55
Balance sheet & cash
Market capUS$366.2M
Total debtUS$74.1M
Free Cash FlowUS$29.2M
Profitability & ownership
ROE11.2%
ROA1.1%
% insiders8.2%
% institutions42.8%
Last declaration on 14 October 2026
Declarations274 total
40 shares@ US$33.700.0004% mcap14.7% of flowCommon StockSEC:0001193125-26-421451:0
40 shares@ US$33.700.0004% mcap2.2% of flowCommon StockSEC:0001193125-26-421447:0
40 shares@ US$33.700.0004% mcap0.3% of flowCommon StockSEC:0001193125-26-421441:0
40 shares@ US$33.700.0004% mcap1.0% of flowCommon StockSEC:0001193125-26-421432:0
50 shares@ US$33.700.0005% mcap0.7% of flowCommon StockSEC:0001193125-26-421444:0
40 shares@ US$33.700.0004% mcap1.0% of flowCommon StockSEC:0001193125-26-421423:0
40 shares@ US$33.700.0004% mcap0.6% of flowCommon StockSEC:0001193125-26-421415:0
40 shares@ US$33.700.0004% mcap3.8% of flowCommon StockSEC:0001193125-26-421410:0
40 shares@ US$33.700.0004% mcap0.1% of flowCommon StockSEC:0001193125-26-421402:0
40 shares@ US$33.700.0004% mcap1.4% of flowCommon StockSEC:0001193125-26-421397:0
40 shares@ US$33.700.0004% mcap0.2% of flowCommon StockSEC:0001193125-26-421387:0
40 shares@ US$33.700.0004% mcap0.5% of flowCommon StockSEC:0001193125-26-421384:0
39 shares@ US$34.470.0004% mcap33.0% of flowCommon StockSEC:0001193125-26-389183:0
39 shares@ US$34.470.0004% mcap0.5% of flowCommon StockSEC:0001193125-26-389150:0
39 shares@ US$34.470.0004% mcap33.0% of flowCommon StockSEC:0001193125-26-389178:0
48 shares@ US$34.470.0004% mcap0.8% of flowCommon StockSEC:0001193125-26-389156:0
39 shares@ US$34.470.0004% mcap1.3% of flowCommon StockSEC:0001193125-26-389138:0
39 shares@ US$34.470.0004% mcap0.7% of flowCommon StockSEC:0001193125-26-389128:0
39 shares@ US$34.470.0004% mcap1.1% of flowCommon StockSEC:0001193125-26-389082:0
39 shares@ US$34.470.0004% mcap0.2% of flowCommon StockSEC:0001193125-26-389088:0
39 shares@ US$34.470.0004% mcap2.5% of flowCommon StockSEC:0001193125-26-389102:0
39 shares@ US$34.470.0004% mcap1.7% of flowCommon StockSEC:0001193125-26-389106:0
39 shares@ US$34.470.0004% mcap49.5% of flowCommon StockSEC:0001193125-26-389116:0
39 shares@ US$34.470.0004% mcap1.2% of flowCommon StockSEC:0001193125-26-389146:0
1,100 shares@ US$34.5020.010% mcap8.0% of flowCommon StockSEC:0001193125-26-383813:3
25 of 274 declarations
About Norwood Financial Corp
Norwood Financial Corp is a U.S.-listed bank holding company traded on the NASDAQ Global Market under the ticker NWFL. For equity investors, it sits in the community-banking segment of the U.S. financial sector, where the investment case typically rests on deposit franchise quality, loan growth, credit discipline, dividend sustainability and disciplined balance-sheet management. The company is headquartered in Honesdale, Pennsylvania, United States, and its roots date back to 1871, giving it a long operating history of more than 150 years.
Norwood Financial’s core operating subsidiary is Wayne Bank. The group’s business model is straightforward and traditionally regional-bank focused: gathering deposits, originating loans, earning net interest income, and supplementing this with fee-based banking services. Its key product set generally includes residential mortgage lending, commercial real estate and commercial business lending, consumer lending, deposit accounts, cash management, treasury management and, in selected areas, wealth/trust and mortgage-related services. This mix positions the company as a relationship-driven community lender rather than a large-scale national financial institution.
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Geographically, the franchise is concentrated in northeastern Pennsylvania and adjacent upstate New York markets. Wayne Bank operates a community-office network across multiple counties in Pennsylvania and New York, giving Norwood Financial a local-market advantage built on long-standing customer relationships, small-business connectivity and regional brand recognition. In the competitive landscape, NWFL’s strength is not scale but franchise depth: it competes against larger super-regional banks and other community banks by leveraging local decision-making, personalized service and a granular understanding of its markets.
A major recent development is the acquisition of PB Bankshares and its subsidiary Presence Bank, which closed on January 5, 2026 after regulatory approvals were received in December 2025. Management stated that the transaction expands the company’s geographic presence, increases scale and broadens the product and service offering available to local communities. That deal is important strategically because it enhances Norwood Financial’s footprint while preserving its community-banking identity.
Recent operating updates also point to a solid earnings and balance-sheet trend. Management reported 2025 loan and deposit growth, improvement in net interest margin and continued tangible book value progression, while maintaining a cash dividend policy that remains relevant for income-oriented investors. For shareholders on the U.S. market, NWFL is best viewed as a conservative regional banking name with a long history, a Pennsylvania-centered franchise and an acquisition-backed growth strategy.
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