Norwood Financial (NASDAQ:NWFL) Stock Rating Lowered by Wall Street Zen

Norwood Financial (NASDAQ:NWFL) was downgraded by investment analysts at Wall Street Zen from a “buy” rating to a “hold” rating in a research report issued on Friday.

Several other brokerages have also issued reports on NWFL. Weiss Ratings reiterated a “hold (c)” rating on shares of Norwood Financial in a report on Monday, December 29th. Zacks Research lowered shares of Norwood Financial from a “strong-buy” rating to a “hold” rating in a research report on Monday, December 22nd. Three equities research analysts have rated the stock with a Hold rating, According to MarketBeat.com, Norwood Financial has a consensus rating of “Hold” and a consensus price target of $26.50.

Norwood Financial Stock Performance

Shares of NASDAQ:NWFL opened at $27.82 on Friday. The business has a 50-day moving average of $28.49 and a two-hundred day moving average of $26.65. The company has a debt-to-equity ratio of 0.31, a current ratio of 0.90 and a quick ratio of 0.90. Norwood Financial has a 12 month low of $21.25 and a 12 month high of $30.59. The firm has a market capitalization of $257.61 million, a PE ratio of 9.30 and a beta of 0.61.

Norwood Financial (NASDAQ:NWFL) last announced its quarterly earnings data on Wednesday, October 22nd. The financial services provider reported $0.94 earnings per share (EPS) for the quarter, topping the consensus estimate of $0.68 by $0.26. Norwood Financial had a return on equity of 12.60% and a net margin of 20.39%.The business had revenue of $22.96 million during the quarter, compared to analyst estimates of $22.10 million. During the same period last year, the company earned $0.48 earnings per share. As a group, research analysts forecast that Norwood Financial will post 2.51 earnings per share for the current year.

Insider Buying and Selling at Norwood Financial

In other news, Director James Shook acquired 3,800 shares of the firm’s stock in a transaction that occurred on Monday, October 27th. The stock was acquired at an average cost of $26.71 per share, with a total value of $101,498.00. Following the acquisition, the director owned 4,830 shares in the company, valued at approximately $129,009.30. This represents a 368.93% increase in their ownership of the stock. The transaction was disclosed in a filing with the Securities & Exchange Commission, which is accessible through this link. Insiders own 9.10% of the company’s stock.

Institutional Inflows and Outflows

A number of institutional investors and hedge funds have recently bought and sold shares of the company. Cornerstone Wealth Group LLC bought a new stake in Norwood Financial during the third quarter valued at about $4,679,000. Wellington Management Group LLP lifted its position in shares of Norwood Financial by 14.3% during the 3rd quarter. Wellington Management Group LLP now owns 634,553 shares of the financial services provider’s stock worth $16,130,000 after purchasing an additional 79,394 shares during the last quarter. Marshall Wace LLP bought a new stake in Norwood Financial during the 2nd quarter valued at approximately $648,000. Citadel Advisors LLC acquired a new stake in Norwood Financial in the 3rd quarter valued at approximately $605,000. Finally, Fourthstone LLC acquired a new stake in Norwood Financial in the 2nd quarter valued at approximately $510,000. Institutional investors and hedge funds own 28.08% of the company’s stock.

Key Headlines Impacting Norwood Financial

Here are the key news stories impacting Norwood Financial this week:

• Positive Sentiment: Strong operating improvement and full‑year results — Norwood reported full‑year diluted EPS of $3.01 and a 58 bps increase in net interest margin year‑over‑year, signaling meaningful NIM expansion and profitability recovery versus the prior year. GlobeNewswire: Fourth Quarter and Full Year 2025 Results
• Positive Sentiment: Acquisition with planned cost and integration synergies — management outlined integration and operational efficiency initiatives following the Presence Bank acquisition that are intended to cut costs and lift future earnings leverage. Investors may view these as accretive over time. Seeking Alpha: Integration and operational efficiency initiatives
• Neutral Sentiment: Earnings call commentary supportive but not aggressive — prepared remarks and transcripts emphasize strategic progress, deposit and loan trends, and efficiency plans; no material change to near‑term guidance was highlighted in public summaries. Read the call transcript for management tone. MSN: Q4 2025 earnings call transcript
• Neutral Sentiment: Mixed print vs. consensus — headline EPS was reported around the consensus ($0.85 per various sources) with modest variance across outlets; revenue came in roughly in line but slightly under some estimates, suggesting stability rather than an upside surprise. Yahoo Finance: Q4 2025 Earnings Call Highlights
• Negative Sentiment: Perception of a small earnings miss and near‑term execution risk pressured the stock — Zacks flagged a $0.84 print vs. a $0.85 consensus (and some outlets reported similar small misses), and the slight revenue shortfall plus integration costs can prompt an immediate negative market reaction despite longer‑term positives. Zacks: Q4 Earnings Lag Estimates

Norwood Financial Company Profile

Norwood Financial Corporation is the bank holding company for Norwood Bank, a community-oriented financial institution headquartered in Norwood, Massachusetts. Incorporated in 2010, the company oversees a network of branch offices serving suburban and metropolitan communities in eastern Massachusetts. Norwood Financial’s mission emphasizes personalized service, local decision-making and a commitment to supporting neighborhood growth.

The company’s primary business activities encompass a full suite of personal and commercial banking products and services.