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Norwood Financial Corp goes by the ticker symbol NWFL and is another member of the financial services business sector as a Pennsylvania regional bank. This is my second report on Norwood Financial Corp for this Vista folio. I last talked about them on June first.

Norwood Financial Corp is a Pennsylvania-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 location. It primarily serves the Pennsylvanian counties of Wayne, Pike, Monroe, and Lackawanna, as well as the Susquehanna County.

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 was $25.07 as of yesterday's market close. One year ago its price was $23.91. Thus, price per share grew nearly 4.85% in the past year as the market recovered from Covid doldrums. 

Should NWFL's stock trade in the range of $23 to $30.00 this next year, its recent $25.07 price might rise by $0.93 to reach $26.00 by June 24, 2022. My estimate corresponds to the average of Norwood's annual price gains over the past ten years

NWFL Dividends

Norwood Financial Corp's most recently declared quarterly dividend payout of $0.26 is payable August 2nd and equates to $1.04 annually which will yield 4.15% based on yesterday's $25.07 closing price. NWFL has paid quarterly dividends increasing annually for 23 years.

NWFL Returns

Adding the $1.04 annual NWFL forward-looking dividend to my $0.93 price upside estimate shows a $1.97 potential gross gain, per share, to be reduced by any costs to trade Norwood Financial Corp shares.  

At yesterday's $25.07 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 about $0.25 per share.

Subtract that maybe $0.25 brokerage cost from my estimated $1.97 gross gain per share results in a net gain of $1.72 X 40 shares = $68.80 for a 6.88% net gain on a $1,002.80 investment.

So it is that  Norwood Financial Corp shows a possible 6.88% net gain including a 4.15% forward estimated dividend yield. 

Over the next year at this time, a $1000 investment in NWFL would generate $41.50 in cash dividends. And a single share bought at yesterday's closing price was $25.07! Thus, NWFL's share price is just over half of the dividend income from $1K invested. Thus, according to dogcatcher preference, this is an opportune time to invest in Norwood Financial Corp shares for long-term dividend income.

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.