NORWOOD FINANCIAL CORP(NWFL)Stock Analysis
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Rank #1,375 of 2,962 stocksTOP 50%
Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.
Revenue Growth
Profitability
Balance Sheet
Earnings Quality
Free Cash Flow
Institutional Flow
Revenue Scale
Dilution Risk
NWFL Stock Analysis & AI Quality Score
Data updated 2026-09-11AI stock analysis and institutional research for NORWOOD FINANCIAL CORP (NWFL), a Financials sector company. 13F Pro's AI-powered ranking engine scores NWFL at 53.7/100 on a 32-signal composite quality model, placing it at rank #1,375 of 2,962 stocks — the top half of the AI-ranked universe. NWFL scores in the top quartile across profitability (91.0), free cash flow (83.1). Areas of concern include institutional flow (9.1) and revenue scale (16.1), which score below median versus the broader universe. Shareholder dilution risk is elevated at 31.6/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), NORWOOD FINANCIAL CORP reports quarterly revenue of $29.4M, net income of $9.3M, an operating margin of 39.6%. Top institutional holders of NWFL by reported 13-F value include BlackRock, WELLINGTON MANAGEMENT GROUP LLP, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. NWFL trades on the Nasdaq exchange and files with the SEC under CIK 1013272. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate NWFL daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for NORWOOD FINANCIAL CORP directly from SEC EDGAR. NORWOOD FINANCIAL CORP's 13F Pro composite quality score has ranged between 45 and 65 since 2021, currently 53.7 — an improving long-term trajectory across 68 quarterly and live scoring snapshots.
Revenue
Q2 2026
$29.4M
Net Income
Q2 2026
$9.3M
Free Cash Flow
Q2 2026
$8.4M
Operating Margin
Q2 2026
39.6%
ROIC
Q2 2026
16.1%
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · ProRevenue
+72.3% YoYNet Income
+17446.9% YoYEPS (Diluted)
+15150.0% YoYTotal Assets
+4.6% YoYTotal Debt
-87.0% YoYOp. Cash Flow
+48.9% YoYFree Cash Flow
+48.6% YoY| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $87.9M +72.3% | $51.0M -27.3% | $70.2M -10.4% | $78.3M +6.3% | $73.7M +26.5% | $58.3M |
| Net Income | $27.8M +17446.9% | $-160.0K -101.0% | $16.8M -42.7% | $29.2M +17.3% | $24.9M +65.2% | $15.1M |
| EPS (Diluted) | $3.01 +15150.0% | $-0.02 -101.0% | $2.07 -42.2% | $3.58 +17.8% | $3.04 +45.5% | $2.09 |
| Total Assets | $2.42B +4.6% | $2.32B +5.3% | $2.20B +7.5% | $2.05B -1.0% | $2.07B +11.7% | $1.85B |
| Total Debt | $14.7M -87.0% | $113.1M +52.6% | $74.1M -20.5% | $93.2M +53.3% | $60.8M -3.9% | $63.3M |
| Operating Cash Flow | $34.0M +48.9% | $22.8M -23.5% | $29.8M -3.0% | $30.7M +5.3% | $29.2M +111.6% | $13.8M |
| Free Cash Flow | $29.2M +48.6% | $19.7M -30.7% | $28.4M -0.6% | $28.6M +2.3% | $27.9M +114.1% | $13.0M |
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Top Institutional Holders of NWFL
BlackRock, Inc.
$25.0M776,358 shWELLINGTON MANAGEMENT GROUP LLP
$18.2M567,505 shVANGUARD CAPITAL MANAGEMENT LLC
$14.2M441,759 shGEODE CAPITAL MANAGEMENT, LLC
$8.3M258,159 shMANUFACTURERS LIFE INSURANCE COMPANY, THE
$5.6M174,278 shBulldog Investors, LLP
$5.5M170,000 shCornerstone Wealth Group, LLC
$5.4M166,585 shDIMENSIONAL FUND ADVISORS LP
$5.3M166,006 shSTATE STREET CORP
$5.0M155,948 shRAYMOND JAMES FINANCIAL INC
$3.1M97,899 sh
| Fund | Value | Shares |
|---|---|---|
| BlackRock, Inc. | $25.0M | 776,358 |
| WELLINGTON MANAGEMENT GROUP LLP | $18.2M | 567,505 |
| VANGUARD CAPITAL MANAGEMENT LLC | $14.2M | 441,759 |
| GEODE CAPITAL MANAGEMENT, LLC | $8.3M | 258,159 |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | $5.6M | 174,278 |
| Bulldog Investors, LLP | $5.5M | 170,000 |
| Cornerstone Wealth Group, LLC | $5.4M | 166,585 |
| DIMENSIONAL FUND ADVISORS LP | $5.3M | 166,006 |
| STATE STREET CORP | $5.0M | 155,948 |
| RAYMOND JAMES FINANCIAL INC | $3.1M | 97,899 |
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Similarity is computed from the 8 composite sub-scores and latest-quarter 13F conviction holdings (index-style filers excluded). Refreshed monthly.
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Popular Research
Is NWFL a good stock to buy?
13F Pro's AI-powered analysis of NORWOOD FINANCIAL CORP (NWFL) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for NWFL are available on the NWFL stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. NWFL is classified as a small company.
Which hedge funds own NWFL?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling NWFL. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of NORWOOD FINANCIAL CORP's investment landscape.