What is the 13F Pro Quality Score for NWFL?

13F Pro ranks NORWOOD FINANCIAL CORP (NWFL) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View NWFL's current score at https://13fpro.ai/research/NWFL (free sign-up required for the full ranking).

Where does 13F Pro source NWFL data?

All NORWOOD FINANCIAL CORP fundamentals and ownership data come directly from SEC EDGAR. NORWOOD FINANCIAL CORP files with the SEC under CIK 1013272. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is NWFL in?

NORWOOD FINANCIAL CORP (NWFL) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is NWFL research updated on 13F Pro?

NWFL's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

NORWOOD FINANCIAL CORP(NWFL)Stock Analysis

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13F Pro Quality Score

62.0/100

Rank #764 of 2,879 stocksTOP 50%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

59.3/100

Profitability

97.9/100

Balance Sheet

43.7/100

Earnings Quality

51.3/100

Free Cash Flow

97.7/100

Institutional Flow

93.1/100

Revenue Scale

3.0/100

Dilution Risk

32.8/100

NWFL Stock Analysis & AI Quality Score

AI stock analysis and institutional research for NORWOOD FINANCIAL CORP (NWFL), a Financials sector company. 13F Pro's AI-powered ranking engine scores NWFL at 62.0/100 on a 32-signal composite quality model, placing it at rank #764 of 2,879 stocks — the top half of the AI-ranked universe. NWFL scores in the top quartile across profitability (97.9), free cash flow (97.7), institutional flow (93.1). Areas of concern include revenue scale (3.0), which score below median versus the broader universe. Shareholder dilution risk is elevated at 32.8/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), NORWOOD FINANCIAL CORP reports quarterly revenue of $27.3M, net income of $3.7M, an operating margin of 17.7%. Top institutional holders of NWFL by reported 13-F value include EverSource Wealth Advisors,, WELLINGTON MANAGEMENT GROUP LLP, BlackRock,, 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 47 and 65 since 2021, currently 62.0 — an improving long-term trajectory across 30 quarterly and live scoring snapshots.

Revenue

Q1 2026

$27.3M

Net Income

Q1 2026

$3.7M

Free Cash Flow

Q1 2026

$5.5M

Operating Margin

Q1 2026

17.7%

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+3.7% YoY

$7.4MFY 2024

FY20 $6.2MFY22 $8.8MFY23 $7.1MFY24 $7.4M

Net Income

-101.0% YoY

$-160.0KFY 2024

FY20 $15.1MFY22 $29.2MFY23 $16.8MFY24 $-160.0K

EPS (Diluted)

-101.0% YoY

$-0.02FY 2024

FY20 $2.09FY22 $3.58FY23 $2.07FY24 $-0.02

Total Assets

+5.3% YoY

$2.32BFY 2024

FY20 $1.85BFY22 $2.05BFY23 $2.20BFY24 $2.32B

Total Debt

+52.6% YoY

$113.1MFY 2024

FY20 $63.3MFY22 $93.2MFY23 $74.1MFY24 $113.1M

Op. Cash Flow

-23.5% YoY

$22.8MFY 2024

FY20 $13.8MFY22 $30.7MFY23 $29.8MFY24 $22.8M

Metric	FY 2024	FY 2023	FY 2022	FY 2020	FY 2019	FY 2018
Revenue	$7.4M +3.7%	$7.1M -18.5%	$8.8M +41.1%	$6.2M +14.0%	$5.4M -3.8%	$5.7M
Net Income	$-160.0K -101.0%	$16.8M -42.7%	$29.2M +93.9%	$15.1M +6.1%	$14.2M +4.1%	$13.7M
EPS (Diluted)	$-0.02 -101.0%	$2.07 -42.2%	$3.58 +71.3%	$2.09 -7.1%	$2.25 +3.7%	$2.17
Total Assets	$2.32B +5.3%	$2.20B +7.5%	$2.05B +10.5%	$1.85B +50.5%	$1.23B +3.9%	$1.18B
Total Debt	$113.1M +52.6%	$74.1M -20.5%	$93.2M +47.3%	$63.3M +1.7%	$62.3M +17.4%	$53.0M
Operating Cash Flow	$22.8M -23.5%	$29.8M -3.0%	$30.7M +122.8%	$13.8M -25.2%	$18.4M +6.6%	$17.3M

AI Insight: NWFL Financial Trends

NWFL recovered from Q4 2024 loss but shows volatile debt levels and declining Q1 2026 earnings despite stable revenue.

• Revenue remained flat at $2M across all quarters from Q2 2024 through Q1 2026.

• Net income recovered from -$13M loss in Q4 2024 to consistent profitability, averaging $6M in recent quarters.

• Equity grew steadily from $182M in Q2 2024 to $284M in Q1 2026.

⚠ Total debt fluctuated wildly from $26M to $113M across quarters, indicating potential refinancing activity.

⚠ Net income declined from $7M in Q4 2025 to $4M in Q1 2026 despite stable operations.

AI Insight: NWFL Ratio Trends

ROE collapsed from 12.3% in Q4 2025 to 5.2% in Q1 2026, breaking a three-quarter improvement trend.

• ROE recovered from -23.7% trough in Q4 2024 to 14.2% peak in Q3 2025 before declining.

• Debt-to-equity ratio improved dramatically from 0.53 in Q4 2024 to 0.05 in Q1 2026.

• ROIC strengthened from 7.8% in Q3 2024 to 14.6% in Q4 2025 before dropping to 6.5%.

⚠ Sharp ROE decline from 12.3% to 5.2% in Q1 2026 interrupts recovery trajectory.

⚠ Q4 2024 saw severe negative returns with ROE at -23.7% — monitor for recurring issues.

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Available Research

13F Pro tracks comprehensive data for NORWOOD FINANCIAL CORP including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of NWFL

EverSource Wealth Advisors, LLC
$32.4M517,416 sh
WELLINGTON MANAGEMENT GROUP LLP
$22.1M750,791 sh
BlackRock, Inc.
$19.4M660,683 sh
VANGUARD CAPITAL MANAGEMENT LLC
$12.6M428,058 sh
UBS Group AG
$7.1M239,670 sh
GEODE CAPITAL MANAGEMENT, LLC
$7.0M237,415 sh
MANUFACTURERS LIFE INSURANCE COMPANY, THE
$5.2M175,061 sh
Cornerstone Wealth Group, LLC
$5.0M166,585 sh
Bulldog Investors, LLP
$5.0M170,000 sh
DIMENSIONAL FUND ADVISORS LP
$4.6M155,908 sh

Fund	Value	Shares
EverSource Wealth Advisors, LLC	$32.4M	517,416
WELLINGTON MANAGEMENT GROUP LLP	$22.1M	750,791
BlackRock, Inc.	$19.4M	660,683
VANGUARD CAPITAL MANAGEMENT LLC	$12.6M	428,058
UBS Group AG	$7.1M	239,670
GEODE CAPITAL MANAGEMENT, LLC	$7.0M	237,415
MANUFACTURERS LIFE INSURANCE COMPANY, THE	$5.2M	175,061
Cornerstone Wealth Group, LLC	$5.0M	166,585
Bulldog Investors, LLP	$5.0M	170,000
DIMENSIONAL FUND ADVISORS LP	$4.6M	155,908

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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.

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.