Norwood Financial Company Leadership
| NWFL Stock | USD 30.87 0.52 1.71% |
Norwood Financial's insiders are aggressively buying. The analysis of insiders' sentiment of trading Norwood Financial Corp stock suggests that most insiders are extremely bullish at this time. Norwood Financial employs about 261 people. The company is managed by 13 executives with a total tenure of roughly 31 years, averaging almost 2.0 years of service per executive, having 20.08 employees per reported executive.
Norwood Financial's Insider Buying Vs Selling
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Selling | Buying |
Latest Trades
| 2024-08-14 | John Martin Mccaffery Jr | Acquired 200 @ 25 | View | ||
| 2024-08-12 | John Martin Mccaffery Jr | Acquired 145 @ 25.5 | View | ||
| 2024-08-08 | John Martin Mccaffery Jr | Acquired 305 @ 25.74 | View | ||
| 2024-08-05 | John Martin Mccaffery Jr | Acquired 400 @ 26.21 | View | ||
| 2024-08-02 | John Martin Mccaffery Jr | Acquired 250 @ 27 | View | ||
| 2024-04-24 | Andrew Forte | Acquired 230 @ 23.89 | View | ||
| 2024-04-23 | James O Donnelly | Acquired 100 @ 24.57 | View | ||
| 2024-02-22 | James O Donnelly | Acquired 193 @ 25.95 | View |
Monitoring Norwood Financial's insider sentiment can offer insights into its future performance, as insiders often have access to more information about their company's operations, financial health, and upcoming initiatives than the general public. However, it's essential to note that insider trading is regulated by securities laws, and insiders are required to disclose their trades publicly to ensure transparency and prevent unfair advantages based on non-public information.
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Norwood Financial's Workforce Through the Years
Please note that employee historical analysis has become an increasingly important factor for investors assessing the risk associated with Norwood Financial's future performance. Based on our forecasts, it is anticipated that Norwood will maintain a workforce of about 260 employees by December 2024.Norwood Financial Management Team Effectiveness
Return On Tangible Assets is expected to rise to 0.01 this year. Return On Capital Employed is expected to rise to 0.03 this year. At this time, Norwood Financial's Return On Tangible Assets are quite stable compared to the past year. Intangibles To Total Assets is expected to rise to 0.01 this year, although the value of Total Current Assets will most likely fall to about 62.8 M. Norwood Financial's management efficiency ratios could be used to measure how well Norwood Financial manages its routine affairs as well as how well it operates its assets and liabilities.Net Income Applicable To Common Shares is expected to rise to about 35.3 M this year, although the value of Common Stock Shares Outstanding will most likely fall to about 6.4 M.
Norwood Financial Workforce Comparison
Norwood Financial Corp is rated below average in number of employees category among its peers. The total workforce of Financials industry is now estimated at about 4,214. Norwood Financial holds roughly 261 in number of employees claiming about 6% of equities under Financials industry.
Norwood Financial Profit Margins
The company has Profit Margin (PM) of 0.21 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.31 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.31.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Net Profit Margin | 0.34 | 0.2593 |
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| Operating Profit Margin | 0.31 | 0.3271 |
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| Pretax Profit Margin | 0.46 | 0.3271 |
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| Return On Assets | 0.0121 | 0.0076 |
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| Return On Equity | 0.11 | 0.0926 |
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Norwood Financial Insider Trading History
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Norwood Financial insiders, such as employees or executives, is commonly permitted as long as it does not rely on Norwood Financial's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases, Norwood Financial insiders must file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
| Buy/Sell Ratio | # Purchases Trades | # Sales Trades | Total Shares Purchased | Total Shares Sold | |
|---|---|---|---|---|---|
| 2023-12-01 | 3.0 | 18 | 6 | 13,056 | 2,131 |
| 2023-03-01 | 1.0 | 3 | 3 | 2,750 | 4,750 |
| 2022-12-01 | 1.9 | 19 | 10 | 21,350 | 12,277 |
| 2022-09-01 | 0.4737 | 9 | 19 | 12,175 | 23,385 |
| 2022-03-01 | 1.0 | 1 | 1 | 1,650 | 1,650 |
| 2021-12-01 | 1.8182 | 20 | 11 | 18,175 | 17,453 |
| 2021-06-01 | 1.75 | 7 | 4 | 88,278 | 5,850 |
| 2020-12-01 | 2.0 | 26 | 13 | 28,104 | 13,495 |
| 2020-09-01 | 2.1667 | 13 | 6 | 6,547 | 4,258 |
| 2020-03-01 | 2.0 | 6 | 3 | 5,005 | 2,135 |
| 2019-12-01 | 4.0 | 24 | 6 | 21,000 | 2,725 |
| 2019-09-01 | 0.5833 | 7 | 12 | 9,037 | 19,800 |
| 2019-06-01 | 0.6667 | 2 | 3 | 2,990 | 3,550 |
| 2019-03-01 | 1.0 | 11 | 11 | 6,630 | 7,419 |
| 2018-12-01 | 2.0588 | 35 | 17 | 32,869 | 17,950 |
| 2018-09-01 | 4.0 | 4 | 1 | 1,070 | 150.00 |
| 2018-06-01 | 0.619 | 13 | 21 | 11,795 | 19,700 |
| 2017-12-01 | 2.6429 | 37 | 14 | 32,769 | 22,588 |
| 2017-09-01 | 0.6364 | 7 | 11 | 4,925 | 9,350 |
| 2017-06-01 | 0.8571 | 6 | 7 | 7,088 | 11,000 |
| 2017-03-01 | 0.6 | 3 | 5 | 4,195 | 8,350 |
| 2016-12-01 | 1.3333 | 24 | 18 | 20,346 | 22,095 |
| 2016-09-01 | 0.6667 | 2 | 3 | 700.00 | 240.00 |
| 2016-06-01 | 1.0 | 1 | 1 | 260.00 | 40.00 |
| 2016-03-01 | 5.0 | 5 | 1 | 3,416 | 170.00 |
| 2015-12-01 | 5.0 | 15 | 3 | 7,126 | 330.00 |
| 2015-09-01 | 1.3333 | 4 | 3 | 1,790 | 1,650 |
| 2015-03-01 | 0.6667 | 2 | 3 | 1,100 | 670.00 |
| 2014-12-01 | 2.5 | 25 | 10 | 23,578 | 20,676 |
| 2014-09-01 | 1.0 | 2 | 2 | 1,589 | 1,270 |
| 2014-06-01 | 1.0 | 1 | 1 | 550.00 | 550.00 |
| 2013-12-01 | 2.7273 | 30 | 11 | 29,281 | 7,047 |
| 2013-06-01 | 1.75 | 7 | 4 | 5,701 | 3,466 |
| 2013-03-01 | 1.0 | 4 | 4 | 5,800 | 8,900 |
| 2012-12-01 | 1.2778 | 23 | 18 | 24,014 | 19,240 |
| 2012-06-01 | 1.0 | 2 | 2 | 5,150 | 6,300 |
| 2012-03-01 | 4.0 | 4 | 1 | 3,065 | 788.00 |
| 2011-12-01 | 1.5385 | 20 | 13 | 22,326 | 12,626 |
| 2011-06-01 | 1.0 | 1 | 1 | 846.00 | 0.00 |
| 2010-12-01 | 1.4167 | 17 | 12 | 15,400 | 5,025 |
| 2010-06-01 | 4.0 | 4 | 1 | 3,000 | 1,000.00 |
| 2010-03-01 | 1.0 | 2 | 2 | 2,000 | 0.00 |
| 2009-12-01 | 4.6667 | 14 | 3 | 11,788 | 2,088 |
| 2009-09-01 | 0.5385 | 7 | 13 | 14,577 | 29,154 |
| 2009-06-01 | 0.5 | 6 | 12 | 13,375 | 26,750 |
| 2009-03-01 | 1.0 | 1 | 1 | 788.00 | 788.00 |
| 2008-12-01 | 17.0 | 17 | 1 | 15,500 | 1,000.00 |
| 2008-09-01 | 0.5 | 3 | 6 | 11,025 | 22,050 |
| 2008-06-01 | 0.5 | 2 | 4 | 11,025 | 22,050 |
| 2008-03-01 | 0.9091 | 10 | 11 | 7,130 | 7,430 |
| 2007-12-01 | 2.2857 | 16 | 7 | 20,325 | 16,175 |
| 2007-06-01 | 0.5 | 4 | 8 | 13,695 | 28,965 |
| 2006-12-01 | 4.6667 | 14 | 3 | 15,363 | 5,073 |
| 2006-06-01 | 8.0 | 16 | 2 | 21,393 | 393.00 |
| 2005-12-01 | 3.0 | 6 | 2 | 2,000 | 3,582 |
| 2005-09-01 | 1.0 | 7 | 7 | 6,953 | 5,953 |
| 2005-06-01 | 1.0 | 3 | 3 | 1,893 | 1,893 |
| 2005-03-01 | 1.0 | 3 | 3 | 1,893 | 1,893 |
| 2004-12-01 | 0.7143 | 5 | 7 | 14,000 | 4,768 |
| 2004-09-01 | 0.1429 | 1 | 7 | 1,500 | 8,225 |
| 2004-06-01 | 3.5 | 7 | 2 | 7,194 | 2,815 |
| 2004-03-01 | 2.0 | 2 | 1 | 1,800 | 1,500 |
| 2003-12-01 | 14.0 | 14 | 1 | 15,844 | 788.00 |
| 2003-09-01 | 0.4167 | 5 | 12 | 11,257 | 25,767 |
Norwood Financial Notable Stakeholders
A Norwood Financial stakeholder refers to an individual interested in an outcome of the business. Different stakeholders have different interests, and companies such as Norwood Financial often face trade-offs trying to please all of them. Norwood Financial's stakeholders can have a positive or negative influence on the entity's direction, and there are a lot of executives involved in getting Norwood Financial's stock to the level that pleases all shareholders. Keeping track of the stakeholders is a great way to stay on top of things affecting its ongoing price.
| James Donnelly | CEO President | Profile | |
| Scott White | President Cooperstown | Profile | |
| William Lance | CFO, Executive VP, Secretary, CFO of Wayne Bank, Executive VP of Wayne Bank and Secretary of Wayne Bank | Profile | |
| John McCaffery | Executive CFO | Profile | |
| Robert Mancuso | Executive VP, CIO of Wayne Bank and Executive VP of Wayne Bank | Profile | |
| John Carmody | Chief Credit Officer and Sr. VP | Profile | |
| Nancy Hart | Controller VP | Profile | |
| Vincent OBell | Executive Officer | Profile | |
| Tracie Young | Senior Risk | Profile | |
| Joseph Mahon | Senior Leader | Profile | |
| Ryan French | Senior Resources | Profile | |
| Steven Daniels | Senior Banking | Profile | |
| Joseph Adams | Senior Management | Profile |
About Norwood Financial Management Performance
The success or failure of an entity such as Norwood Financial Corp often depends on how effective the management is. Norwood Financial management team is responsible for propelling the future growth in the right direction and administering and controlling the business activities and accounting for the results. Ineffective management usually contributes to failure in the company's future performance for all stakeholders equally, but most importantly, for investors. So it is important to measure the effectiveness of Norwood management before purchasing its stock. In many ways, it's all about finding the answer to one important question - Are they doing the right thing right now? How would we assess whether the Norwood management is utilizing all available resources in the best possible way? Also, how well is the company doing relative to others in its sector and the market as a whole? The answer can be found by analyzing a few important fundamental indicators such as return on assets and return on equity.
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.01 | 0.01 | |
| Return On Capital Employed | 0.03 | 0.03 | |
| Return On Assets | 0.01 | 0.01 | |
| Return On Equity | 0.09 | 0.11 |
Norwood Financial Workforce Analysis
Traditionally, organizations such as Norwood Financial use manpower efficiency calculations for various incentive schemes, employee appraisal, or as an initiative to improve the processes. However, it can also be used by investors to make long-term investment decisions. The trends in the profit per employee or revenue per employee are measured by net income or revenue divided by the current number of full-time employees over a given time interval. Because workforce needs differ across sectors, these ratios could be used to compare Norwood Financial within its industry.Norwood Financial Manpower Efficiency
Return on Norwood Financial Manpower
| Revenue Per Employee | 247.7K | |
| Revenue Per Executive | 5M | |
| Net Income Per Employee | 64.2K | |
| Net Income Per Executive | 1.3M |
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Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Norwood Financial. If investors know Norwood will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Norwood Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.06) | Dividend Share 1.2 | Earnings Share 1.59 | Revenue Per Share 7.741 | Quarterly Revenue Growth 0.025 |
The market value of Norwood Financial Corp is measured differently than its book value, which is the value of Norwood that is recorded on the company's balance sheet. Investors also form their own opinion of Norwood Financial's value that differs from its market value or its book value, called intrinsic value, which is Norwood Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Norwood Financial's market value can be influenced by many factors that don't directly affect Norwood Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Norwood Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Norwood Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Norwood Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.