Norwood Financial
Runs Wayne Bank's deposit, lending, treasury, and trust franchise across Pennsylvania and New York.
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Profile
Wayne Bank gathers local deposits, makes commercial, mortgage, consumer, and agricultural loans, and adds treasury and trust services. The franchise is concentrated in Pennsylvania and New York, with acquisition integration and interest-rate sensitivity shaping the model.
Through Wayne Bank, the business gathers deposits and offers commercial, mortgage, consumer, and agricultural lending. Treasury management, payment services, safe-deposit services, and wealth/trust work add fee-based customer relationships around the core Community Banking segment.
The footprint is concentrated in Pennsylvania and New York, rooted in Honesdale and expanded through bank acquisitions. Presence Bank added more Pennsylvania counties, while earlier deals added New York markets.
Execution depends on local deposit gathering, credit quality, interest-rate spreads between loans and funding costs, and smooth integration of acquired banks. The holding company and bank also operate under Federal Reserve, Pennsylvania, and FDIC supervision.
Company facts
Categories
Key statistics
Year to date +22.3% · Average volume (30d) 37.5K
Analysts
No analyst consensus on record.
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 22, 2026Q2 FY26 | $0.87 | $0.86 | −0.6% | $28.1M | $29.4M | +4.5% | +6.06% |
| Apr 27, 2026Q1 FY26 | $0.81 | $0.72 | −11.1% | $27.5M | $27.3M | −0.7% | +0.99% |
| Jan 22, 2026Q4 FY25 | $0.85 | $0.84 | −1.2% | $23.5M | $23.5M | 0.0% | −2.15% |
| Oct 22, 2025Q3 FY25 | $0.71 | $0.94 | +33.3% | $22.2M | $23.0M | +3.4% | −0.95% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $32.4M | $33.5M | $34.7M | $35.6M | $31.2M | $43.0M | |
| Gross profit | $19.4M | $20.4M | $23.5M | $23.5M | $15.9M | $27.4M | |
| Operating income | $7.3M | $7.8M | $10.5M | $9.8M | $4.8M | $11.6M | |
| Net income | $5.8M | $6.2M | $8.3M | $7.4M | $3.7M | $9.3M | |
| Diluted EPS | $0.63 | $0.68 | $0.90 | $0.81 | $0.41 | $1.02 | |
| Gross margin | 59.7% | 60.9% | 67.6% | 66.0% | 51.0% | 63.8% | |
| Operating margin | 22.5% | 23.4% | 30.4% | 27.7% | 15.5% | 27.1% |
Fiscal years (4-quarter sums)FY21 $79.4M · FY22 $85.6M · FY23 $103.7M · FY24 $101.4M · FY25 $136.1M
Revenue by product · Q2 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $499.3M · Total debt $65.5M · Total assets $2.91B · Shareholders' equity $289.6M
Dividends
Raised for 26 straight years — most recently to $0.32 from $0.31 in Jan 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Jul 15, 2026 | Jul 15 | Aug 3 | $0.32 | |
| Apr 15, 2026 | Apr 15 | May 1 | $0.32 | |
| Jan 15, 2026 | Jan 15 | Feb 2 | $0.32 | raised from $0.31 |
| Oct 15, 2025 | Oct 15 | Nov 3 | $0.31 | |
| Jul 15, 2025 | Jul 15 | Aug 1 | $0.31 | |
| Apr 15, 2025 | Apr 15 | May 1 | $0.31 | |
| Jan 15, 2025 | Jan 15 | Feb 3 | $0.31 | raised from $0.30 |
| Oct 18, 2024 | Oct 18 | Nov 1 | $0.30 |
Ownership
Shares outstanding 10.89M · Float 9.84M · 90.4% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 776.4K | 7.13% | 13F | Aug 7, 2026 |
| Wellington Management Group LLP | 567.5K | 5.21% | 13F | Aug 14, 2026 |
| Bay Pond Partners, L.P. | 460.3K | 5.00% | 13G | Feb 10, 2026 |
| Vanguard Capital Management LLC | 441.8K | 4.06% | 13F | Aug 13, 2026 |
| Geode Capital Management, LLC | 258.2K | 2.37% | 13F | Aug 12, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Jul 28, 2026 | James Shook | director | +3,100 | $34.55 |
| Aug 5, 2025 | Ronald R. Schmalzle | director | +600 | $24.35 |
| May 26, 2026 | Ronald R. Schmalzle | director | +700 | $30.19 |
| May 12, 2026 | Andrew Forte | director | +270 | $29.58 |
| May 5, 2026 | Joseph W. Carroll | director | +576 | $29.45 |
Peers
- Peoples Financial Services
Direct community-bank overlap in Northeastern Pennsylvania
- NBT Bancorp
Upstate NY and Northeastern PA banking and wealth rival
- CNB Financial
ESSA successor with Pocono and Lehigh Valley overlap
- Community Financial System
Larger NY/PA bank with retail, treasury, and wealth overlap
- Fulton Financial
Lancaster-based Mid-Atlantic bank in new Pennsylvania markets
- F.N.B.
Large Pennsylvania regional bank across deposits, loans, and wealth
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Norwood Financial | $34.15 | −0.29% | $371.9M | 10.9 | 9.1 | 2.6 | +37.8% |
| Peoples Financial Services | $69.63 | −0.30% | $697.1M | 12.3 | 9.9 | 2.4 | +7.6% |
| NBT Bancorp | $51.55 | 0.00% | $2.68B | 12.6 | 11.8 | 2.8 | +9.4% |
| CNB Financial | $34.01 | +0.12% | $1.01B | 11.0 | 9.5 | 2.1 | +55.7% |
| Community Financial System | $63.11 | −0.06% | $3.32B | 14.7 | 13.0 | 3.2 | +9.6% |
| Fulton Financial | $23.69 | +0.02% | $4.53B | 11.3 | 10.6 | 2.4 | +13.5% |
| F.N.B. | $18.41 | −0.05% | $6.55B | 11.0 | 10.3 | 2.4 | +5.6% |
| Median | 11.8 | 10.5 | 2.4 | +9.5% |