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Norwood Financial Corp has the ticker symbol NWFL and is a small-cap member of the financial services sector as a regional bank. This is my first ever report on Norwood Financial Corp for this Vista folio. Or for any of my five previous portfolios.

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.

Three key data points gauge dividend equities or funds like Norwood Financial Corp:

(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 closed at $25.41 Friday. One year ago its price was $23.69. Thus, price per share grew about 7.3% year over year as it recovered from the Covid doldrums. 

Should NWFL's stock trade in the range of $22 to $28.00 this next year, its recent $25.41 price might rise by $0.89 to reach $26.30 by June 1, 2022. My estimate is based on NWFL's average annual price gain over the past ten years. 

NWFL Dividends

Norwood's most recent quarterly dividend of $0.26 was paid May 3rd and equates to $1.04 annually which will yield 4.09% based on Friday's $25.41 closing price. Norwood has paid quarterly dividends increasing annually since 1998 (23 years.)

NWFL Returns

Adding the $1.04 annual Norwood forward-looking dividend to my $0.86 price upside estimate shows a $1.90 potential gross gain, per share, to be reduced by any costs to trade the shares. Say we invest a little under  $1000 in NWFL at $25.41 per share, we'd buy 39 shares.

A $10 broker fee (if charged) would be paid half at purchase and half at a sale and might cost us about $0.26 per share.

Subtract that maybe $0.26 brokerage cost from my estimated $1.90 gross gain per share results in a net gain of $1.64 X 39 shares = $63.96 for a 6.4% net gain on a $990.99 investment.

So it is that Norwood Financial Corp shows a possible 6.4% net gain including a 4.09% forward estimated dividend yield. 

Over the next year at this time, a $1000 investment in NWFL could generate $40.90 in cash dividends. And a single share bought at yesterday's closing price was just over $25.00! So, if NWFL is your kind of regional bank investment, Norwood Financial Corp's share price is nearly $15.00 under the expected annual dividend income from $1,000 invested. This suggests now is a good time to add Norwood Financial Corp to your stock holdings. 

All of the estimates above are speculation based on the past history of Norwood Financial Corp. Only time and money invested in this stock will determine its worth.