NWFL
Norwood Financial Corp. Financial Services - Banks - Regional Investor Relations →
Norwood Financial Corp. (NWFL) closed at $31.89 as of 2026-02-02, trading 26.8% above its 200-week moving average of $25.15. The stock moved further from the line this week, up from 21.2% last week. With a 14-week RSI of 79, NWFL is in overbought territory.
Over the past 1409 weeks of data, NWFL has crossed below its 200-week moving average 23 times. On average, these episodes lasted 16 weeks. Historically, investors who bought NWFL at the start of these episodes saw an average one-year return of +6.8%.
With a market cap of $296 million, NWFL is a small-cap stock. Return on equity stands at 12.2%. The stock trades at 1.2x book value.
Share count has increased 13.1% over three years, indicating dilution.
Over the past 27.1 years, a hypothetical investment of $100 in NWFL would have grown to $939, compared to $897 for the S&P 500. That represents an annualized return of 8.6% vs 8.4% for the index — confirming NWFL as a market-beating investment and the kind of quality company where buying during 200-week moving average touches has historically been rewarded.
Free cash flow has been declining at a -11% compound annual rate. A deteriorating cash flow trend warrants extra scrutiny — the stock may be cheap for a reason.
Growth of $100: NWFL vs S&P 500
Monthly data normalized to $100 at start. Vertical dashed lines mark 200-week MA touches.
What Happens After NWFL Crosses Below the Line?
Across 23 historical episodes, buying NWFL when it crossed below its 200-week moving average produced an average return of +8.8% after 12 months (median +11.0%), compared to +11.0% for the S&P 500 over the same periods. 71% of those episodes were profitable after one year. After 24 months, the average return was +16.9% vs +25.1% for the index.
Each line shows $100 invested at the moment NWFL crossed below its 200-week MA. Bold blue = stock average. Gray dashed = S&P 500 average over same periods.
Historical Touches
NWFL has crossed below its 200-week MA 23 times with an average 1-year return of +6.8% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| Feb 1999 | May 2001 | 120 | 25.8% | -12.0% | +854.6% |
| Jun 2001 | Jun 2001 | 1 | 0.0% | +41.5% | +859.3% |
| Jun 2008 | Aug 2008 | 8 | 4.1% | +10.6% | +265.3% |
| Sep 2008 | Oct 2008 | 6 | 8.1% | +12.1% | +269.7% |
| Nov 2008 | Apr 2009 | 23 | 18.1% | -1.8% | +272.5% |
| Oct 2009 | Dec 2009 | 7 | 10.5% | +2.5% | +253.1% |
| Jan 2010 | Jul 2010 | 28 | 13.1% | +1.3% | +264.8% |
| Oct 2010 | Oct 2010 | 2 | 3.0% | -6.7% | +257.1% |
| Dec 2010 | Dec 2010 | 2 | 0.9% | +0.2% | +257.0% |
| Jan 2011 | Jan 2011 | 2 | 1.6% | +4.0% | +260.0% |
| Mar 2011 | Mar 2011 | 2 | 1.2% | +2.4% | +258.9% |
| Jun 2011 | Jul 2011 | 5 | 1.7% | +10.8% | +259.1% |
| Aug 2011 | Dec 2011 | 17 | 9.4% | +7.7% | +259.4% |
| Mar 2020 | Jan 2022 | 95 | 23.2% | +18.6% | +76.8% |
| Mar 2022 | Mar 2022 | 1 | 0.4% | +23.0% | +38.4% |
| May 2022 | Sep 2022 | 18 | 13.4% | -0.8% | +42.6% |
| May 2023 | Jun 2023 | 4 | 6.5% | -2.0% | +43.8% |
| Sep 2023 | Oct 2023 | 5 | 3.2% | +13.6% | +39.1% |
| Apr 2024 | Jul 2024 | 14 | 7.0% | -4.5% | +38.3% |
| Jan 2025 | Jan 2025 | 1 | 0.8% | +15.9% | +33.4% |
| Feb 2025 | Apr 2025 | 10 | 12.8% | N/A | +32.9% |
| Jul 2025 | Aug 2025 | 6 | 4.3% | N/A | +31.0% |
| Oct 2025 | Oct 2025 | 2 | 3.9% | N/A | +32.7% |
| Average | 16 | — | +6.8% | — |
Not financial advice. This is an educational tool. Past performance does not guarantee future results. Do your own research before making investment decisions.
Data as of Friday close, 2026-02-02