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Norwood Financial Corp is known by the trading ticker symbol, NWFL. It is included in the Financial Services sector as a  is a  Regional Bank. This is my third report on Norwood for my Vista stock Portfolio. I last reported on this bank on June 1 and June 24.

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.

The bank also manages automated teller machines at its branch locations. It primarily serves the Pennsylvanian counties of Wayne, Pike, Monroe, and Lackawanna, as well as the Susquehanna County.

Specifically, 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 Financial Corp's price per share was $25.26 as of yesterday's market close. One year ago its price was $24.22. So NWFL share price has gone up about 4.3% in the past year. 

If Norwood Financial stock trades in the range of $23 to $28 this next year, its recent $25.26 price might rise by $1.04 to reach $26.30 by August 3, 2022. That estimate is in line with the price upside on record for the past year. 

NWFL Dividends

Norwood's most recent regular quarterly dividend payout of  $0.26 was paid yesterday, August 2, 2021, and projects an annual payout of $1.04 per share to yield 4.12% based on yesterday's $25.26 closing price. NWFL has paid quarterly dividends increasing annually for 21 years.

NWFL Returns

Adding the $1.04 annual Norwood forward-looking dividend to my $1.04 price upside estimate shows a $2.08 potential gross gain, per share, to be reduced by any costs to trade Norwood Financial shares.  

At yesterday's $25.26 price per share, a little over $1000 would buy 40 shares.

A $10 broker fee (if charged) would be paid half at purchase and half at a sale and might cost us $0.25 per share.

Subtract that maybe $0.25 brokerage cost from my estimated $2.08 gross gain per share results in a net gain of $1.83 X 40 shares = $73.20 for a 7.32% net gain on a $1,010.40 investment.

So it is that Norwood Financial Corp shows a possible 7.3% net gain including a 4.12% forward estimated dividend yield. 

Over the next year at this time, a $1000 investment in Norwood Financial could generate $41.20 in cash dividends alone. And a single share bought at yesterday's closing price was $25.26! Thus, NWFL share price is now about 61% of the dividend income from $1K invested. So, according to my dividend dogcatcher ideal, this is a good time to pick up Norwood Financial shares because the dividend from $1k invested exceeds the single share price by 39%. Consider yourself alerted.   

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 true worth.