MARKET WIRESeekingAlpha • 2d ago
Norwood Financial Corp. 2026 Q3 - Results - Earnings Call Presentation2026-10-30. The following slide deck was published by Norwood Financial Corp.
Why NWFL Stock slipped -0.67% Today — RQD Quant Desk Flash
$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.
ROARABLE C • HOLD / WATCH
Cap $388.5M
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Click Any Pre-Computed AI Quant Specialist Briefing on NWFL Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief)
Is NWFL stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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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.
✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief)
How does NWFL compare to PKBK and MVBF in the Financials sector?
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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).
✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief)
What are the biggest fundamental strengths and SEC risk factors for NWFL?
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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.
✓ Pre-computed one-to-many AI Quant brief
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INTERACTIVE SCENARIO DECK:
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
57
Q2 (-2Q)Grade C$33.60+3.5% Next Q
60
Q3 (-1Q)Grade C+$34.77+2.5% Next Q
62
CurrentGrade C$35.64+1.3% Hist 90D α
65
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
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”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why NWFL Stock slipped -0.67% Today — RQD Quant Desk Flash
Norwood Financial Corp. (NWFL) slipped -0.67% to $35.64, trading at 85% of its 52-week range ($25.73 – $37.39). Solid steady margins (12% return on capital), mixed timing at 14x P/E—hold if owned, no rush to chase.
- ▸Technical Tape: Trading at 85% of its 52-week range ($25.73 – $37.39) with RSI-14 at 58.7 (BULLISH MOMENTUM).
- ▸Volatility Profile: Historical 20-day realized swing band of ±5.3% around $35.64 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable C (Hold) backed by 52% gross margin and $29.2M annual free cash flow.
Live NWFL Headlines & Catalysts
MARKET WIREYahoo • 5d ago
Norwood Financial Corp. Q3 2026 Earnings Call SummaryMoby summary of Norwood Financial Corp.'s Q3 2026 earnings call
MARKET WIREYahoo • 5d ago
Norwood Financial (NWFL) Q3 2026 Earnings Call TranscriptPresence Bancshares integration and bankruptcy resolution boosted earnings.
CATALYSTYahoo • 5d ago
What Norwood Financial (NWFL) Said on Its Q3 Earnings CallNorwood Financial (NASDAQ:NWFL) reported record third-quarter earnings and net interest income as the company continued to benefit from its Presence Bank acquisition, expanded net interest margin and reduced exposure tie
MARKET WIRESeekingAlpha • 5d ago
Norwood Financial Corp. (NWFL) Q3 2026 Earnings Call TranscriptNorwood Financial Corp. (NWFL) Q3 2026 Earnings Call October 27, 2026 10:00 AM EDTCompany ParticipantsMackenzie JacksonJames Donnelly - President, CEO &...
CATALYSTChartMill • 5d ago
Norwood Financial (NASDAQ:NWFL) Q3 2026 Earnings Beat Estimates as Bankruptcy Resolution Boosts ResultsNorwood Financial Q3 2026 tops revenue and EPS estimates, but NWFL slips premarket as one-time bankruptcy benefits temper the beat.
MARKET WIREYahoo • 5d ago
Norwood Financial (NWFL) Reports Q3 Earnings: What Key Metrics Have to SayWhile the top- and bottom-line numbers for Norwood Financial (NWFL) give a sense of how the business performed in the quarter ended September 2026, it could be worth looking at how some of its key metrics compare to Wall
MARKET WIREYahoo • 5d ago
Norwood Financial Corp. (NWFL) Surpasses Q3 Earnings and Revenue EstimatesNorwood Financial (NWFL) delivered earnings and revenue surprises of +13.68% and +3.27%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
MARKET WIREYahoo • 5d ago
Norwood Financial Corp announces Third Quarter Financial ResultsQuarterly Highlights: Record net income of $11.8 million.Record net interest income of $28.0 million.Net interest margin 4.01%.Diluted earnings per share of $1.08.Total assets of $2.95 billion.Disciplined execution acros
MARKET WIREBenzinga • 5d ago
Norwood Financial Q3 2026 Earnings Call TranscriptNorwood Financial (NASDAQ:NWFL) reported third-quarter financial results on Tuesday. The transcript from the company’s third-quarter earnings call has been provided below.This transcript is brought to you by Benzinga
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)
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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
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 0001013272In 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 ENABLEDIs 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 × FREDWhy is NWFL stock moving today?
Why NWFL Stock slipped -0.67% Today — RQD Quant Desk Flash. Solid steady margins (12% return on capital), mixed timing at 14x P/E—hold if owned, no rush to chase.