NWFL
Norwood Financial Corp. Financial Services - Banks - Regional Investor Relations →
Norwood Financial Corp. (NWFL) closed at $28.90 as of 2026-03-20, trading 14.1% above its 200-week moving average of $25.34. The stock moved further from the line this week, up from 11.8% last week. The 14-week RSI sits at 46, indicating neutral momentum.
Trading volume is running at 1.6x of its 14-week average, which is in the normal range. The balance between buying and selling volume (1.15 ratio) is neutral — neither side is clearly dominating.
Over the past 1415 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 +7.9%.
With a market cap of $315 million, NWFL is a small-cap stock. Return on equity stands at 12.2%. The stock trades at 1.1x book value.
Share count has increased 13.8% over three years, indicating dilution.
Over the past 27.2 years, a hypothetical investment of $100 in NWFL would have grown to $851, compared to $844 for the S&P 500. That represents an annualized return of 8.2% vs 8.2% for the index — confirming NWFL as a market-beating investment and the kind of quality company where buying during 200-week moving average touches has historically been rewarded.
Free cash flow has been volatile over the past several years, making the quality of earnings harder to assess.
Business Health
Annual financials — how the underlying business has performed over the past several years.
Cash Flow Free cash flow & net income ($M)
Revenue Annual revenue ($M) — business growth proxy
Total Debt Balance sheet debt ($M)
ROIC Return on invested capital (%)
FCF Yield Free cash flow / market cap (%) — Yartseva signal
Gross Margin Pricing power & competitive moat (%)
Shares Outstanding Buybacks vs dilution (millions)
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 +8.2% 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 +7.9% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| Feb 1999 | May 2001 | 120 | 25.8% | -12.0% | +765.1% |
| Jun 2001 | Jun 2001 | 1 | 0.0% | +41.5% | +769.4% |
| Jun 2008 | Aug 2008 | 8 | 4.1% | +10.6% | +231.0% |
| Sep 2008 | Oct 2008 | 6 | 8.1% | +12.1% | +235.1% |
| Nov 2008 | Apr 2009 | 23 | 18.1% | -1.8% | +237.5% |
| Oct 2009 | Dec 2009 | 7 | 10.5% | +2.5% | +220.0% |
| Jan 2010 | Jul 2010 | 28 | 13.1% | +1.3% | +230.6% |
| Oct 2010 | Oct 2010 | 2 | 3.0% | -6.7% | +223.7% |
| Dec 2010 | Dec 2010 | 2 | 0.9% | +0.2% | +223.5% |
| Jan 2011 | Jan 2011 | 2 | 1.6% | +4.0% | +226.3% |
| Mar 2011 | Mar 2011 | 2 | 1.2% | +2.4% | +225.2% |
| Jun 2011 | Jul 2011 | 5 | 1.7% | +10.8% | +225.4% |
| Aug 2011 | Dec 2011 | 17 | 9.4% | +7.7% | +225.7% |
| Mar 2020 | Jan 2022 | 95 | 23.2% | +18.6% | +60.2% |
| Mar 2022 | Mar 2022 | 1 | 0.4% | +23.0% | +25.4% |
| May 2022 | Sep 2022 | 18 | 13.4% | -0.8% | +29.3% |
| May 2023 | Jun 2023 | 4 | 6.5% | -2.0% | +30.3% |
| Sep 2023 | Oct 2023 | 5 | 3.2% | +13.6% | +26.1% |
| Apr 2024 | Jul 2024 | 14 | 7.0% | -4.5% | +25.3% |
| Jan 2025 | Jan 2025 | 1 | 0.8% | +15.9% | +20.9% |
| Feb 2025 | Apr 2025 | 10 | 12.8% | +28.7% | +20.4% |
| Jul 2025 | Aug 2025 | 6 | 4.3% | N/A | +18.7% |
| Oct 2025 | Oct 2025 | 2 | 3.9% | N/A | +20.2% |
| Average | 16 | — | +7.9% | — |
Frequently Asked Questions
Is NWFL below its 200-week moving average?
No. Norwood Financial Corp. (NWFL) is currently 14.1% above its 200-week moving average of $25.34. It would need to fall to $25.34 to cross below the line.
What is NWFL's 200-week moving average price?
Norwood Financial Corp.'s 200-week moving average is $25.34 as of 2026-03-20. This is the average weekly closing price over roughly the last 4 years, and it acts as a long-term trend line. When a stock drops below this level, it can signal that the price has fallen far enough from the long-term trend to attract value-oriented investors.
What happens when NWFL drops below its 200-week moving average?
NWFL has crossed below its 200-week moving average 23 times in our data. On average, buying at that moment produced a one-year return of +7.9%. These dips have historically been decent entry points. These episodes lasted 16 weeks on average.
Is NWFL a good value right now?
Here's what our data says about NWFL as of 2026-03-20: The stock is above its 200-week moving average, so it doesn't currently meet our primary signal. The 14-week RSI is 46. Return on equity is 12.2%. Price-to-book is 1.1x. This is not a buy or sell recommendation — always do your own research.
How does NWFL compare to the S&P 500?
Over the past 27.2 years, $100 invested in NWFL would have grown to $851, compared to $844 for the S&P 500. That's 8.2% annualized vs 8.2% for the index. NWFL has outperformed the broader market over this period.
Does NWFL pay a dividend?
Yes. Norwood Financial Corp. currently pays a dividend yield of 444.00%.
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 week of 2026-03-20