Norwood Financial (NASDAQ:NWFL) Rating Lowered to “Hold” at Wall Street Zen

24 Jan 2026, 00:44 by Jessica Moore · The Cerbat Gem

Norwood Financial (NASDAQ:NWFL – Get Free Report) was downgraded by equities research analysts at Wall Street Zen from a “buy” rating to a “hold” rating in a research note issued on Friday.

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

Read Our Latest Research Report on NWFL

Norwood Financial Stock Down 2.1%

NASDAQ:NWFL traded down $0.61 during mid-day trading on Friday, hitting $27.82. The stock had a trading volume of 39,359 shares, compared to its average volume of 34,902. The company has a current ratio of 0.90, a quick ratio of 0.90 and a debt-to-equity ratio of 0.31. Norwood Financial has a twelve month low of $21.25 and a twelve month high of $30.59. The company has a market capitalization of $257.61 million, a PE ratio of 9.30 and a beta of 0.61. The stock has a 50-day simple moving average of $28.49 and a two-hundred day simple moving average of $26.64.

Norwood Financial (NASDAQ:NWFL – Get Free Report) last announced its quarterly earnings data on Wednesday, October 22nd. The financial services provider reported $0.94 EPS for the quarter, beating analysts’ consensus estimates of $0.68 by $0.26. Norwood Financial had a net margin of 20.39% and a return on equity of 12.60%. The company had revenue of $22.96 million for the quarter, compared to the consensus estimate of $22.10 million. During the same period in the prior year, the firm posted $0.48 EPS. On average, equities research analysts anticipate that Norwood Financial will post 2.51 EPS for the current year.

Insider Transactions at Norwood Financial

In other news, Director James Shook purchased 3,800 shares of the business’s stock in a transaction on Monday, October 27th. The shares were bought at an average price of $26.71 per share, with a total value of $101,498.00. Following the completion of the transaction, the director directly owned 4,830 shares in the company, valued at approximately $129,009.30. This represents a 368.93% increase in their position. The purchase was disclosed in a filing with the Securities & Exchange Commission, which is accessible through this hyperlink. 9.10% of the stock is owned by corporate insiders.

Hedge Funds Weigh In On Norwood Financial

Hedge funds have recently modified their holdings of the business. MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. increased its holdings in shares of Norwood Financial by 18.5% in the 1st quarter. MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. now owns 4,909 shares of the financial services provider’s stock valued at $119,000 after acquiring an additional 765 shares during the period. Los Angeles Capital Management LLC purchased a new position in Norwood Financial during the 2nd quarter worth $363,000. Geode Capital Management LLC increased its stake in Norwood Financial by 3.2% in the second quarter. Geode Capital Management LLC now owns 201,858 shares of the financial services provider’s stock valued at $5,205,000 after purchasing an additional 6,238 shares during the period. Cetera Investment Advisers raised its holdings in shares of Norwood Financial by 1.0% in the second quarter. Cetera Investment Advisers now owns 61,743 shares of the financial services provider’s stock valued at $1,592,000 after buying an additional 604 shares during the last quarter. Finally, Fisher Asset Management LLC acquired a new stake in shares of Norwood Financial during the second quarter worth about $305,000. 28.08% of the stock is currently owned by hedge funds and other institutional investors.

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

(Get Free Report)

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.