NWFL
Norwood FinancialANasdaq / Banks
Last Price
At close
2026-07-18
Current thesis
Presence Bancshares integration has expanded the balance sheet, while record net interest income, higher NIM, and improved adjusted earnings indicate potentially stronger underlying earnings power. The dividend adds modest capital-return support.
Posture
Constructive
Lead driver
Value
What changed
Next scheduled catalyst: earnings 2026-07-22 · BMO.
What can break
Deposit retention and funding-cost pressure could erode NIM gains after the acquisition.
Momentum
67
Value
72
Sentiment
52
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $34.00 · Bull $38.00 · Bear $27.00
Earnings
2026-07-22 · BMO
Data freshness
Prices
As of 2026-07-18
Fundamentals
As of 2026-07-17 • Vendor: Data Vendor v1
Scores
As of 2026-07-18 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-19 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-07-18
Investment thesis
As of 2026-07-18
Supporting evidence
What
Grade A · Constructive
Confidence Medium · Net Neutral
Target $34.00
Why
Momentum67 · Δ7d -
Value72 · Δ7d +10.1
Sentiment52 · Δ7d -
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Lead driver: Value · See fundamentals
Momentum
67
26% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
72
39% active weight
Current posture
7d trendImproving
Δ7d
+10.1
Δ21d
+15.1
Sentiment
52
34% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade
Composite grade A. Momentum 67.2 / Value 72.4 / Sentiment 52.0
Fundamentals (TTM)As of 2026-07-17
Fundamentals (TTM)
As of 2026-07-17
Market Cap
$341.21M
Beta
0.59
Shares Out
10.89M
P/E (TTM)
43.2
P/S (TTM)
4.12
P/FCF (TTM)
18.90
Rev YoY
+26.6%
EPS YoY
-44.7%
Gross Margin
-
Op Margin
+15.1%
Net Debt
$45.42M
Current Ratio
0.09
As of 2026-07-18 • Updated nightlySource: Internal modelMethodology