Norwood Financial Corporation is known by the ticker symbol NWFL and is listed in the financial services sector as a regional bank. This is my first report on Norwood Financial Corporation for October. However, I also reported on NWFL in June, July, and August. 

Norwood Financial Corp is a US-based bank holding company. It offers various personal and business credit services, trust and investment products, and real estate settlement services to the consumers, businesses, nonprofit organizations, and municipalities in each of the communities that the bank serves. 

It operates fourteen offices in Northeastern Pennsylvania; and sixteen offices in Delaware, Sullivan, Ontario, Otsego, and Yates Counties, New York, as well as thirty-one automated teller machines. 

The company was founded in 1870 and is headquartered in Honesdale, Pennsylvania.

Photo by Visual Stories || Micheile on Unsplash

Three key data points gauge dividend equities or funds like Norwood Financial Corporation (NWFL):

(1) Price

(2) Dividends

(3) Returns

Those three basic keys best tell whether any company has made, is making, and will make money. 

NWFL Price

Norwood's price per share was $25.50 as of Friday's market close. One year ago its price was $25.20 So NWFL's share price was essentially flat for the past year.

If NWFL stock trades in the range of $16.00 to $32.00 this next year, its recent $25.50 price might rise by $1.25 to reach $26.25 by October 4, 2022. My estimate is in line the bank's average annual price increase over the past five years.

NWFL Dividends

Norwood's most recent regular quarterly dividend payout of  $0.26 will pay out November 1 to shareholders of record on October 14th. That quarterly payout of $0.26 equates to $1.04 annually which yields 4.08% based on Friday's $25.50 closing price. Norwood has paid annually increasing dividends for twenty-one years. 

NWFL Returns

Adding the $1.04 annual NWFL forward-looking dividend to my $1.25 price upside estimate shows a $2.29 potential gross gain, per share, to be reduced by any costs to trade NWFL shares.  

At Friday's $25.50 price per share, a little under $1000 would buy 39 shares.

A $10 broker fee (if charged) would be paid half at purchase and half at sale and might cost us  $0.20 per share.

Subtract that maybe $0.20 brokerage cost from my estimated $2.29 gross gain per share results in a net gain of $2.09 X 39 shares = $81.51 for an 8.15% net gain on a $969.00 investment.

So it is that Norwood Financial Corporation (NWFL) shows a possible 8.15% net gain including a 4.08% forward estimated dividend yield. 

Over the next year at this time a $1000 investment in Norwood Financial Corporation (NWFL) could generate $40.80 in cash dividends alone. And a single share bought at Friday's closing price was $25.50! Thus, NWFL's share price is  62.5% of the dividend income from $1K invested. So, according to my dogcatcher ideal, now is the time to pickup NWFL shares. The dividend from $1k invested is over 60% greater  than the single share price. Consider yourself alerted. 

All of the estimates above are speculation based on the past history of Norwood Financial Corporation (NWFL). Only time and money invested in this stock will determine its market value.