NORWOOD FINANCIAL CORP

NWFL · State Commercial Banks · 10.9M shares · +3%/yr ↑ shares · EDGAR filings ↗

Net buyback after stock comp: $573K (gross $703K, SBC $130K)

Reference price $30.19 · est. market cap ~$329M — last insider purchase, 2026-05-26 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)

Grade

C68

Norwood Financial — Pennsylvania bank with solid ROE.

Strengths

ROE 11.5% (71st pct), high net margin (79th), revenue +8%

Risks

Reported net-income-growth figure distorted by prior base
Regional concentration

Notable findings

Exec changeRecent 8-K item 5.02 8-K ↗
Insider buyingInsider buying — 18 open-market buy(s) by 6 insider(s) (cluster of 6 insiders, ~$372,273, last 6mo) Form 4 ↗

Quarterly revenue

2025-06-30 · $2M2025-09-30 · $2M2025-12-31 · $2M2026-03-31 · $2M

Last 4 quarters · from SEC filings.

Key metrics

Net margin

347.0%

Return on equity

11.5%

Return on assets

1.1%

Revenue growth (QoQ)

7.9%

Free cash flow

$29M

Tangible book value

$213M

Stock comp / revenue

3.1%

Insider transactions · last 18 months

Date	Insider	Type	Shares	Price
2026-06-10	Gifford Jeffrey S	Grant	45	$30.19
2026-06-10	Shook James	Grant	45	$30.19
2026-06-10	Hungerford Meg L	Grant	45	$30.19
2026-06-10	LAMONT KEVIN M	Grant	45	$30.19
2026-06-10	Schmalzle Ronald R	Grant	45	$30.19
2026-06-10	Matergia Ralph A	Grant	45	$30.19
2026-06-10	Nacinovich Marissa S	Grant	45	$30.19
2026-06-10	Nolan Alexandra K	Grant	45	$30.19
2026-06-10	FORTE ANDREW	Grant	55	$30.19
2026-06-10	Carroll Joseph W	Grant	45	$30.19
2026-06-10	Andress Spencer J	Grant	45	$30.19
2026-06-10	PHILLIPS KENNETH A	Grant	45	$30.19
2026-05-26	Schmalzle Ronald R	Grant	700	$30.19
2026-05-26	Schmalzle Ronald R	Buy	700	$30.19
2026-05-12	FORTE ANDREW	Buy	270	$29.58
2026-05-11	Gifford Jeffrey S	Grant	45	$30.20
2026-05-11	LAMONT KEVIN M	Grant	45	$30.20
2026-05-11	Matergia Ralph A	Grant	45	$30.20
2026-05-11	Nacinovich Marissa S	Grant	45	$30.20
2026-05-11	Nolan Alexandra K	Grant	45	$30.20
2026-05-11	PHILLIPS KENNETH A	Grant	45	$30.20
2026-05-11	Schmalzle Ronald R	Grant	45	$30.20
2026-05-11	Shook James	Grant	45	$30.20
2026-05-11	Andress Spencer J	Grant	45	$30.20
2026-05-11	Carroll Joseph W	Grant	45	$30.20
2026-05-11	FORTE ANDREW	Grant	55	$30.20
2026-05-11	Hungerford Meg L	Grant	45	$30.20
2026-05-05	Carroll Joseph W	Buy	276	$29.46
2026-05-05	Carroll Joseph W	Buy	76	$29.46
2026-05-05	Carroll Joseph W	Buy	24	$29.43
2026-05-05	Carroll Joseph W	Buy	100	$29.44
2026-05-05	Carroll Joseph W	Buy	96	$29.46
2026-05-05	Carroll Joseph W	Buy	100	$29.42
2026-05-01	Carroll Joseph W	Buy	180	$29.61
2026-04-30	McCaffery John Martin JR	Buy	1.0K	$29.44
2026-04-30	Shook James	Buy	375	$29.06
2026-04-29	Donnelly James O	Buy	100	$29.06
2026-04-10	Gifford Jeffrey S	Grant	45	$30.39
2026-04-10	Shook James	Grant	45	$30.39
2026-04-10	Carroll Joseph W	Grant	45	$30.39
2026-04-10	Hungerford Meg L	Grant	45	$30.39
2026-04-10	LAMONT KEVIN M	Grant	45	$30.39
2026-04-10	Andress Spencer J	Grant	45	$30.39
2026-04-10	FORTE ANDREW	Grant	55	$30.39
2026-04-10	Schmalzle Ronald R	Grant	45	$30.39
2026-04-10	PHILLIPS KENNETH A	Grant	45	$30.39
2026-04-10	Nolan Alexandra K	Grant	45	$30.39
2026-04-10	Nacinovich Marissa S	Grant	45	$30.39
2026-04-10	Matergia Ralph A	Grant	45	$30.39
2026-03-11	Carroll Joseph W	Grant	46	$29.40
2026-03-11	Andress Spencer J	Grant	46	$29.40
2026-03-11	FORTE ANDREW	Grant	57	$29.40
2026-03-11	Gifford Jeffrey S	Grant	46	$29.40
2026-03-11	Hungerford Meg L	Grant	46	$29.40
2026-03-11	Shook James	Grant	46	$29.40
2026-03-11	PHILLIPS KENNETH A	Grant	46	$29.40
2026-03-11	Schmalzle Ronald R	Grant	46	$29.40
2026-03-11	Nolan Alexandra K	Grant	46	$29.40
2026-03-11	Nacinovich Marissa S	Grant	46	$29.40
2026-03-11	Matergia Ralph A	Grant	46	$29.40
2026-03-11	LAMONT KEVIN M	Grant	46	$29.40
2026-02-11	Hungerford Meg L	Grant	43	$31.62
2026-02-11	FORTE ANDREW	Grant	53	$31.62
2026-02-11	LAMONT KEVIN M	Grant	43	$31.62
2026-02-11	Shook James	Grant	43	$31.62
2026-02-11	Schmalzle Ronald R	Grant	43	$31.62
2026-02-11	Gifford Jeffrey S	Grant	43	$31.62
2026-02-11	Nolan Alexandra K	Grant	43	$31.62
2026-02-11	Nacinovich Marissa S	Grant	43	$31.62
2026-02-11	Gifford Jeffrey S	Grant	43	$31.62
2026-02-11	Matergia Ralph A	Grant	43	$31.62
2026-02-11	PHILLIPS KENNETH A	Grant	43	$31.62
2026-01-28	Carroll Joseph W	Buy	2.0K	$28.06
2026-01-28	Carroll Joseph W	Buy	2.0K	$28.21
2026-01-28	Shook James	Buy	3.5K	$28.80
2026-01-28	Carroll Joseph W	Buy	4	$28.05
2026-01-27	Carroll Joseph W	Buy	2.0K	$27.91
2026-01-27	Donnelly James O	Buy	200	$28.15
2026-01-12	Nacinovich Marissa S	Grant	105	$28.42
2026-01-12	Schmalzle Ronald R	Grant	105	$28.42
2026-01-12	Gifford Jeffrey S	Grant	105	$28.42
2026-01-12	FORTE ANDREW	Grant	105	$28.42
2026-01-12	Nolan Alexandra K	Grant	105	$28.42
2026-01-12	Hungerford Meg L	Grant	105	$28.42
2026-01-12	Shook James	Grant	105	$28.42
2026-01-12	PHILLIPS KENNETH A	Grant	105	$28.42
2026-01-12	Matergia Ralph A	Grant	105	$28.42
2026-01-12	Gifford Jeffrey S	Grant	105	$28.42
2026-01-12	LAMONT KEVIN M	Grant	105	$28.42
2025-12-19	CARMODY JOHN F	Tax withheld	407	$29.95
2025-12-16	McCaffery John Martin JR	Grant	2.0K	$29.80
2025-12-16	Donnelly James O	Grant	6.7K	$29.80
2025-12-16	Shook James	Grant	825	$29.80
2025-12-16	CARMODY JOHN F	Grant	1.5K	$29.80
2025-12-16	Schmalzle Ronald R	Grant	825	$29.80
2025-12-16	Nacinovich Marissa S	Grant	825	$29.80
2025-12-16	LAMONT KEVIN M	Grant	825	$29.80
2025-12-16	FORTE ANDREW	Grant	825	$29.80
2025-12-16	PHILLIPS KENNETH A	Grant	825	$29.80
2025-12-16	Matergia Ralph A	Grant	825	$29.80
2025-12-16	Hungerford Meg L	Grant	825	$29.80
2025-12-16	Gifford Jeffrey S	Grant	825	$29.80
2025-12-16	Nolan Alexandra K	Grant	825	$29.80
2025-12-16	LAMONT KEVIN M	Grant	825	$29.80
2025-11-03	Shook James	Gift	409	—
2025-11-03	Shook James	Gift	409	—
2025-10-31	PHILLIPS KENNETH A	Buy	50	$26.30
2025-10-31	PHILLIPS KENNETH A	Gift	100	—
2025-10-31	PHILLIPS KENNETH A	Gift	50	—
2025-10-31	PHILLIPS KENNETH A	Buy	100	$26.50
2025-10-27	Shook James	Buy	200	$26.62
2025-10-27	Shook James	Buy	1.9K	$26.63
2025-10-27	Shook James	Buy	1.6K	$26.82
2025-10-27	Shook James	Buy	100	$26.58
2025-10-10	LAMONT KEVIN M	Grant	116	$25.84
2025-10-10	Gifford Jeffrey S	Grant	116	$28.42
2025-10-10	PHILLIPS KENNETH A	Grant	116	$25.84
2025-10-10	Hungerford Meg L	Grant	116	$25.84
2025-10-10	Matergia Ralph A	Grant	116	$25.84
2025-10-10	Gifford Jeffrey S	Grant	116	$28.42
2025-10-10	Nolan Alexandra K	Grant	116	$25.84
2025-10-10	Schmalzle Ronald R	Grant	116	$25.84
2025-10-10	FORTE ANDREW	Grant	116	$25.84
2025-08-06	Donnelly James O	Buy	200	$23.90
2025-08-05	Schmalzle Ronald R	Buy	600	$24.35
2025-08-05	Schmalzle Ronald R	Buy	600	$24.35
2025-08-01	McCaffery John Martin JR	Buy	500	$24.10
2025-07-29	FORTE ANDREW	Buy	400	$24.57
2025-07-25	Donnelly James O	Buy	100	$24.40
2025-07-10	PHILLIPS KENNETH A	Grant	117	$25.60
2025-07-10	FORTE ANDREW	Grant	117	$25.60
2025-07-10	LAMONT KEVIN M	Grant	117	$25.60
2025-07-10	Nolan Alexandra K	Grant	117	$25.60
2025-07-10	Gifford Jeffrey S	Grant	117	$25.60
2025-07-10	Matergia Ralph A	Grant	117	$25.60
2025-07-10	Hungerford Meg L	Grant	117	$25.60
2025-07-10	Gifford Jeffrey S	Grant	117	$25.60
2025-04-30	McCaffery John Martin JR	Buy	500	$25.00
2025-04-25	FORTE ANDREW	Buy	485	$24.50
2025-04-24	Donnelly James O	Buy	100	$24.30
2025-04-10	Gifford Jeffrey S	Grant	123	$24.33
2025-04-10	Nolan Alexandra K	Grant	123	$24.33
2025-04-10	LAMONT KEVIN M	Grant	123	$24.33
2025-04-10	FORTE ANDREW	Grant	123	$24.33
2025-04-10	Gifford Jeffrey S	Grant	123	$24.33
2025-04-10	PHILLIPS KENNETH A	Grant	123	$24.33
2025-04-10	Matergia Ralph A	Grant	123	$24.33
2025-04-10	Hungerford Meg L	Grant	123	$24.33
2025-02-07	Schmalzle Ronald R	Buy	2.8K	$26.49
2025-02-05	Schmalzle Ronald R	Buy	8.5K	$26.59
2025-02-04	Schmalzle Ronald R	Buy	839	$26.30
2025-02-04	Schmalzle Ronald R	Buy	6	$26.00
2025-02-04	Schmalzle Ronald R	Buy	1.7K	$26.50
2025-02-04	Schmalzle Ronald R	Buy	6	$26.26
2025-01-31	Schmalzle Ronald R	Buy	3.1K	$26.00
2025-01-31	Schmalzle Ronald R	Buy	3.1K	$26.00
2025-01-30	Schmalzle Ronald R	Buy	2.0K	$26.00
2025-01-21	Matergia Ralph A	Grant	122	$26.44
2025-01-21	LAMONT KEVIN M	Grant	122	$26.44
2025-01-21	Hungerford Meg L	Grant	122	$26.44
2025-01-21	CRITELLI LEWIS J	Grant	122	$26.44
2025-01-21	Nolan Alexandra K	Grant	122	$26.44
2025-01-21	FORTE ANDREW	Grant	122	$26.44
2025-01-21	Gifford Jeffrey S	Grant	122	$26.44
2025-01-21	CAMPFIELD SUSAN	Grant	122	$26.44
2025-01-21	PHILLIPS KENNETH A	Grant	122	$26.44

All non-derivative Form 4 activity (SEC), newest first.

Supply chain

Customers (2)

Federal Home Loan Bank (FHLB)
Federal National Mortgage Association (Fannie Mae)

Suppliers (0)

Named in the 10-K; linked when we track them.

Notable events (8-K)

Date	Items
2026-06-18	Reg FD	filing ↗
2026-06-18	OtherExhibits	filing ↗
2026-05-04	Shareholder vote	filing ↗
2026-04-28	Reg FDExhibits	filing ↗
2026-04-27	ResultsReg FDExhibits	filing ↗
2026-03-12	Exhibits	filing ↗
2026-01-22	ResultsReg FDExhibits	filing ↗
2026-01-12	ResultsExhibits	filing ↗

Recent filings

Form	Filed	Period	Accession
8-K	2026-06-18	2026-06-18	0001013272-26-000009 ↗
8-K	2026-06-18	2026-06-18	0001013272-26-000007 ↗
10-Q	2026-05-08	2026-03-31	0001013272-26-000005 ↗
8-K	2026-05-04	2026-04-28	0001193125-26-203951 ↗
8-K	2026-04-28	2026-04-28	0001193125-26-183573 ↗
8-K	2026-04-27	2026-04-27	0001193125-26-179294 ↗
10-K	2026-03-13	2025-12-31	0001013272-26-000003 ↗
8-K/A	2026-03-12	2026-01-05	0001193125-26-103217 ↗
8-K	2026-01-22	2026-01-22	0001193125-26-018738 ↗
8-K	2026-01-12	2026-01-12	0001193125-26-009896 ↗
8-K	2026-01-05	2026-01-05	0001193125-26-001612 ↗
8-K	2025-12-17	2025-12-17	0001193125-25-322570 ↗