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Norwood Financial Corp. (NWFL) — RQD Stock Rating Cockpit

$35.64 -0.67% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $35.53

Norwood Financial Corp. (NWFL) carries a Roarable Rating of C (Hold) with 65/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 65/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.3% avg 90D alpha vs SPY) →

ROARABLE C • HOLD / WATCH Cap $388.5M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $35.53 (-0.31%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 15/20 (B) • 365.6% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 65/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.3% avg 90D alpha vs SPY • 55.6% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+3.1% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for NWFL)Realized 20D OHLCV Swing Band: ±5.3%

Deterministic 5-Pillar Attribution (65/100 Composite)

🔍 WHY NWFL SCORES 65/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+15/20 pts (23% of score)

SEC XBRL FY 2025 (10-K): 365.6% FCF Margin ($29.2M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning8/20 pts (-12 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$33.53+0.2% Next Q

Q2 (-2Q)

Grade C$33.60+3.5% Next Q

Q3 (-1Q)

Grade C+$34.77+2.5% Next Q

Current

Grade C$35.64+1.3% Hist 90D α

Trajectory: C (57) → C (65)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the NWFL Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 65/100 (C) score, NWFL faces multiple-compression risk if 14.0x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($34.24) or 200D SMA ($31.64) invalidates the momentum regime and cuts Target Base ($36.76) toward Bear Floor ($28.67).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $NWFL• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “NWFL Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 65%NO 35%Trade / Inspect Odds →

RSI-14 MOMENTUMBULLISH MOMENTUM

58.730 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

6 / 99-Pt Accounting

52-WEEK LASER RANGE85% OF RANGE

L: $26$35.64H: $37

1. Money & Cash Health● HEALTHY

Are profits real cash in the bank?

Real cash coming in backs up reported profits (steady margins and healthy balance-sheet cushion).

Factor Grade: BRQD 15 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: C-RQD 24 / 40

3. Hidden Risks & Market Weather● WATCH

SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: CRQD 26 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on NWFL

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BULLISH (75)

11.5% ROIC with 42.0% gross margin and 7.53% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 6/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

NEUTRAL (62)

24/40 institutional & smart-money positioning score with 13/20 macro alignment.

Bull Case: Why Buyers Like NWFL

✓Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.
✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (NWFL Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

NWFL // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +21.76%📐 HORIZONTAL RANGE

2026-10-30O $35.64H $36.33L $35.48C $35.64VOL 38.1K

RES: $37.49SUP: $31.92SMA50: $34.24SMA200: $31.64

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

NWFL Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 NWFL Butterfly Map → + Track NWFL →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

5.7%/yr Implied 5Y Growth

vs. +8.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on NWFL today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for NWFL. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for NWFL today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (NWFL)

Financials Rank #330 of 1096 ⚔️ PKBK vs NWFL Full Matrix →

1. Head-to-Head Financials Peer Comparison (NWFL vs. PKBK, MVBF, ISTR, FDBC)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Norwood Financial Corp. (NWFL) ranks #330 by composite RQD confidence (65/100, grade C) and #756 by equity capitalization ($388.5M). Within this direct 5-issuer industry benchmark cohort, PKBK leads on earnings valuation at 10.3x trailing P/E, while FDBC leads on capital efficiency and profitability with 11.8% ROIC and — gross margin. PKBK currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with NWFL at 65/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
NWFL ACTIVE Norwood Financial Corp.	C	65/100	14.0x	—	11.5%	-0.67%	$388.5M	Benchmark Subject
PKBK Parke Bancorp Inc.	B-	70/100	10.3x	—	11.6%	+0.37%	$387.5M	/pkbk-vs-nwfl →
MVBF MVB Financial Corp.	D+	58/100	—	—	0.0%	+0.34%	$385.7M	/mvbf-vs-nwfl →
ISTR Investar Holding Corporation	C	63/100	16.7x	—	7.6%	+0.62%	$383.4M	/istr-vs-nwfl →
FDBC Fidelity D & D Bancorp Inc.	C+	69/100	13.6x	—	11.8%	+3.65%	$382.4M	/fdbc-vs-nwfl →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001013272

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Norwood Financial Corp. (NWFL) reported GAAP revenue of $8.0M (+8.1% vs. FY2024 revenue of $7.4M , and +12.1% cumulative change since FY2023) , GAAP net income of $27.8M, operating cash flow of $34.0M, and free cash flow of $29.2M (+48.6% YoY). On the balance sheet, NWFL closed FY2025 with $2.42B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$8.0M	$27.8M	$34.0M	$29.2M	$2.42B	—
FY2024 (FY)	2024-12-31	$7.4M	-$160.0K	$22.8M	$19.7M	$2.32B	—
FY2023 (FY)	2023-12-31	$7.1M	$16.8M	$29.8M	$29.8M	—	—

3. NWFL Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is NWFL stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Norwood Financial Corp. (NASDAQ: NWFL) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 65/100 at a spot price of $35.64 (-0.67% 1D, market cap $388.5M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, NWFL ranks #330 in composite RQD confidence.

How does NWFL compare to PKBK and MVBF in the Financials sector?

Within the Financials sector (Major Banks), NWFL carries a Roarable C (65/100 RQD), trailing P/E of 14.0x, gross margin of —, and ROIC of 11.5%. By comparison, PKBK (Parke Bancorp Inc.) holds a B- grade (70/100 RQD, P/E 10.3x, ROIC 11.6%, cap $387.5M) and MVBF (MVB Financial Corp.) posts a D+ grade (58/100 RQD, P/E N/A, ROIC 0.0%, cap $385.7M). Among the 5-stock peer group, PKBK leads on earnings multiple (10.3x) while FDBC leads on capital efficiency (11.8% ROIC).

What are the biggest fundamental strengths and SEC risk factors for NWFL?

Per NWFL's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001013272), Norwood Financial Corp. generated $8.0M in revenue (+8.1% YoY), $27.8M in net income, and $29.2M in free cash flow against $2.42B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is NWFL trading relative to its 50-day, 200-day, and 52-week technical levels?

NWFL last traded at $35.64 (-0.67% on volume of 91,399 shares), positioning the stock +4.09% above its 50-day simple moving average ($34.24) and +12.64% above its 200-day simple moving average ($31.64). Across its 52-week range of $25.73 to $37.39, NWFL sits at the 85.0% percentile with a 14-day RSI of 58.7 (BULLISH MOMENTUM) and an implied next-earnings move of ±5.3% ($33.75 to $37.53).

NWFL Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell NWFL stock right now?

Norwood Financial Corp. (NWFL) currently earns a Roarable Rating of C (Hold — HOLD) with 65/100 RQD Confidence. Solid steady margins (12% return on capital), mixed timing at 14x P/E—hold if owned, no rush to chase.

What is NWFL's 12-month price target and RQD AI Jury consensus?

NWFL's 12-month base price target is $36.76 (range $28.67 to $43.38), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: NWFL RQD Cockpit NWFL 12M Forecast NWFL Earnings & Move NWFL Dividends & DRIP NWFL Insiders & 13F NWFL Whale Options NWFL Profit Sankey NWFL News & Why