NWFL Norwood Financial (NWFL) Insider Trading, Ownership & Congress Trades
Banks · State commercial banks · CIK 0001013272
Cluster · 5 insidersC-suite buying · 1Form 144 · 1
House members buying, 1 year
0
STOCK Act, US House only, disclosed up to 45 days after the trade
Funds added, last quarter
65
13F, latest reported quarter
Conversions, 180 days
4
Codes C/M, not in net · $154.9K priced
What the filings say about NWFL
Insiders, 180 days
+$98.1K net bought
5 buyers · 1 seller · 0% of sales under a 10b5-1 plan
Planned sales (Form 144), 90 days
$102.3K
1 notice
Norwood Financial insider trades (Form 4)
Form 4 buys and sells (codes P and S). Grants, option exercises
and conversions excluded.
Over the last 180 days, NORWOOD FINANCIAL CORP insiders bought a net $98.1K of stock across 109 Form 4 purchases and sales, with 5 insiders buying. Source: SEC Form 4 filings, as of 2026-10-28.
Insider
Filed
Shares
Value
Since filing
Context
- 1 earlier Form 4 trade (code P or S) here by this insider (1 buy), the last on Dec 20, 2024.
- The trade is 34.2% of the 4,392 shares held after it.
- No other insider sold within 30 days.
- 65 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: EVP & Chief Lending Officer O'Bell Vincent sold about $51.8K of NWFL on Sep 2, 2026, the largest insider sale at the company since 2023; 65 funds added in the latest 13F quarter.Context
- 1 earlier Form 4 trade (code P or S) here by this insider (1 buy), the last on Dec 20, 2024.
- The trade is 23.0% of the 4,792 shares held after it.
- No other insider sold within 30 days.
- 65 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: EVP & Chief Lending Officer O'Bell Vincent sold about $38.0K of NWFL on Sep 2, 2026, the largest insider sale at the company since 2023; 65 funds added in the latest 13F quarter.Context
- 1 earlier Form 4 trade (code P or S) here by this insider (1 buy), the last on Dec 20, 2024.
- The trade is 2.1% of the 4,692 shares held after it.
- No other insider sold within 30 days.
- 65 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: EVP & Chief Lending Officer O'Bell Vincent sold about $3.5K of NWFL on Sep 2, 2026, the largest insider sale at the company since 2023; 65 funds added in the latest 13F quarter.Context
- 1 earlier Form 4 trade (code P or S) here by this insider (1 buy), the last on Dec 20, 2024.
- The trade is 6.8% of the 4,392 shares held after it.
- No other insider sold within 30 days.
- 65 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: EVP & Chief Lending Officer O'Bell Vincent sold about $10.4K of NWFL on Sep 2, 2026, the largest insider sale at the company since 2023; 65 funds added in the latest 13F quarter.Context
- 6 earlier Form 4 trades (code P or S) here by this insider (6 buys), the last on Apr 30, 2026.
- +6.2% median (+9.3% mean) 90-day return after 3 previous buys.
- The trade is 24.6% of the 12,586 shares held after it.
- No other insider bought within 30 days.
- 65 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: Director Shook James bought about $107.1K of NWFL on Jul 28, 2026, the largest insider purchase at the company since 2025; 65 funds added in the latest 13F quarter.109 transactions on record
Since filing: total return from the first close after the filing to the latest close, dividend-adjusted. Not a forecast.
Context lines are counts over the filings above and returns from our own price history, never a price level. Not investment advice.
Seven facts, ranked against the sector ·
Rank is not a forecast
Insiders
net +$98.1K over 180 days
-$103.6K over 90 days
more than 83% of Banks
Congress
no House purchase disclosed in the last 12 months
Funds
65 funds bought in last quarter
below 70% of Banks
Revenue
+8.1% year over year
more than 64% of Banks
Margin
347.0% net margin
more than 70% of Banks
Buybacks
$1.0K repurchased, FY to 2026-06-30
the lowest in Banks
Short interest
1.5% of the float short (float per yahoo 2026-10-26) · 4.2 days to cover · settled 2026-09-30
below 67% of Banks
The situation: each line is one rule over one dataset
5 insiders bought a net $98.1K, but 1 Form 144 notice ($102.3K) are queued to sell.
What changed in the last 30 days
Oct 28Insider buying stopped: no purchases in 90 days after 9 in the prior 90
Why it matters
The absence is the signal: 9 purchases in one 90-day window and none in the next is a change of behaviour, not a filing.
Watch NWFL
A free account keeps a watchlist and can send one email a day when insiders, funds or Congress file on the names in it. No password and no card.
The year, with the filings on it
Total return over 12 months. Each marker is a filing; hover or tap one for the detail.
+37.7%12M
Insider buyInsider sellForm 144 (planned sale)
Indexed to 100, dividend-adjusted, not a price chart.
When a name files heavily, the largest trades are drawn first.
Who owns NWFL: institutional holders (13F)
13F holdings, latest reported quarter
776,358 sh
$25.0M
567,505 sh
$18.2M
441,759 sh
$14.2M
258,159 sh
$8.3M
$5.6M
Congress trades in NWFL
No Congress trades reported
No House member has disclosed a trade in this stock. See what Congress is buying.
Activist and 5% holders (13D/13G)
No 5%+ ownership filings
Nobody has filed for crossing 5%. That is a fact, not missing data.
NWFL planned insider sales (Form 144)
Notice of intent to sell, filed before any sale
O'Bell Vincent (NWFL)
Filed 2026-08-25
$102.3K
NWFL mutual fund holders (N-PORT)
Funds ranked by the share of their own portfolio in this stock (N-PORT).
Nationwide Bailard Small Cap Value Fund
$779.2K position · as of 2026-07-31
0.6%
Regional Bank Fund
$2.8M position · as of 2026-07-31
0.3%
Ultra-Small Company Market Fund
$330.4K position · as of 2026-06-30
0.2%
State Street(R) SPDR(R) US Small Cap Low Volatility Index ETF
$507.1K position · as of 2026-06-30
0.2%
First Trust NASDAQ ABA Community Bank Index Fund
$123.4K position · as of 2026-06-30
0.1%
iShares Micro-Cap ETF
$1.1M position · as of 2026-06-30
0.1%
SEC N-PORT, monthly, about 60 days late · funds ≥ $10M ·
% is the share of the fund's own portfolio
Executive pay vs shareholder return · Mr. Donnelly
CEO pay, headline and as actually paid, against the company's
return and its chosen peers' (DEF 14A).
FY
CEO total
Actually paid
Other execs, avg
TSR
Peer TSR
2025
$1.0M
$1.0M
$520.6K
-4%
n/a
2024
$874.7K
$645.2K
$369.5K
-11%
n/a
2023
$816.4K
$633.4K
$414.1K
+2%
n/a
Tagged by the company under SEC Item 402(v). Returns are
cumulative from the start of the disclosure period. Green where the company beat its own peer group.
Live price
Daily candles from TradingView, under their licence. No filings marked.
Why this name is on the desk
5 insiders reported buying shares.
The record shows a net $98.1K bought by insiders over 180 days, 65 funds added last quarter, $102.3K in planned Form 144 sales. Each figure is a federal filing, dated the day it went public.
NWFL financials
Revenue growth
+8.1%
XBRL, annual
Net margin
347.0%
Ratios from the company's XBRL filings, latest filings
Revenue, TTM
$8.5M
four quarters, 2025-07-01 to 2026-06-30
Revenue, TTM NWFL
| FY Dec 2025 | $8.0M |
| FY Dec 2024 | $7.4M |
| FY Dec 2023 | $7.1M |
| FY Dec 2022 | $8.8M |
| FY Dec 2021 | $7.0M |
| Jun 2026 | $2.1M |
| Mar 2026 | $2.3M |
| Dec 2025 | $2.1M |
| Sep 2025 | $2.0M |
| Jun 2025 | $1.9M |
| Mar 2025 | $2.0M |
| Dec 2024 | $1.9M |
| Sep 2024 | $1.9M |
At each fiscal year end
Single quarter
Net margin, TTM
+338.1%
net income over revenue, 2025-07-01 to 2026-06-30
Net margin, TTM NWFL
| FY Dec 2025 | +347.0% |
| FY Dec 2024 | -2.2% |
| FY Dec 2023 | +234.8% |
| FY Dec 2022 | +333.7% |
| FY Dec 2021 | +354.7% |
| Jun 2026 | +443.8% |
| Mar 2026 | +163.9% |
| Dec 2025 | +352.9% |
| Sep 2025 | +408.1% |
| Jun 2025 | +332.0% |
| Mar 2025 | +291.7% |
| Dec 2024 | -654.5% |
| Sep 2024 | +205.1% |
At each fiscal year end
Single quarter
Free cash flow, TTM
$30.0M
operating cash flow minus capex, 2025-07-01 to 2026-06-30
Free cash flow, TTM NWFL
| FY Dec 2025 | $29.2M |
| FY Dec 2024 | $19.7M |
| FY Dec 2023 | $28.4M |
| FY Dec 2022 | $28.6M |
| FY Dec 2021 | $27.9M |
| Jun 2026 | $8.4M |
| Mar 2026 | $5.5M |
| Dec 2025 | $7.7M |
| Sep 2025 | $8.3M |
| Jun 2025 | $5.1M |
| Mar 2025 | $8.2M |
| Dec 2024 | $3.3M |
| Sep 2024 | $4.1M |
At each fiscal year end
Single quarter
Debt to equity
0.05x
current debt only, 2025-12-31 (6 months older than the period end); equity 2026-06-30
Debt to equity NWFL
| FY Dec 2025 | 0.06x |
| FY Dec 2024 | 0.53x |
| FY Dec 2023 | 0.41x |
| FY Dec 2022 | 0.56x |
| FY Dec 2021 | 0.30x |
| Jun 2026 | 0.05x |
| Mar 2026 | 0.05x |
| Dec 2025 | 0.06x |
| Sep 2025 | 0.11x |
| Jun 2025 | 0.12x |
| Mar 2025 | 0.51x |
| Dec 2024 | 0.53x |
| Sep 2024 | 0.27x |
At each fiscal year end
Trailing four quarters at each quarter end
Cash flow to debt
2.24x
TTM operating cash flow over current debt only, 2025-12-31 (6 months older than the period end)
Cash flow to debt NWFL
| FY Dec 2025 | 2.31x |
| FY Dec 2024 | 0.20x |
| FY Dec 2023 | 0.40x |
| FY Dec 2022 | 0.33x |
| FY Dec 2021 | 0.48x |
| Jun 2026 | 2.24x |
| Mar 2026 | 2.10x |
| Dec 2025 | 2.31x |
| Sep 2025 | 1.13x |
| Jun 2025 | 0.95x |
| Mar 2025 | 0.24x |
| Dec 2024 | 0.20x |
| Sep 2024 | 0.47x |
At each fiscal year end
Trailing four quarters at each quarter end
Return on equity
+11.2%
TTM net income over average of 2025-06-30 and 2026-06-30
Return on equity NWFL
| FY Dec 2025 | +12.2% |
| FY Dec 2024 | -0.1% |
| FY Dec 2023 | +9.6% |
| FY Dec 2022 | +15.7% |
| FY Dec 2021 | +12.5% |
| Jun 2026 | +11.2% |
| Mar 2026 | +10.2% |
| Dec 2025 | +12.2% |
| Sep 2025 | +3.6% |
| Jun 2025 | +1.6% |
| Mar 2025 | +0.6% |
| Dec 2024 | -0.1% |
| Sep 2024 | +7.1% |
At each fiscal year end
Trailing four quarters at each quarter end
Return on assets
+1.1%
TTM net income over average of 2025-06-30 and 2026-06-30
Return on assets NWFL
| FY Dec 2025 | +1.2% |
| FY Dec 2024 | -0.0% |
| FY Dec 2023 | +0.8% |
| FY Dec 2022 | +1.4% |
| FY Dec 2021 | +1.3% |
| Jun 2026 | +1.1% |
| Mar 2026 | +1.0% |
| Dec 2025 | +1.2% |
| Sep 2025 | +0.3% |
| Jun 2025 | +0.1% |
| Mar 2025 | +0.1% |
| Dec 2024 | -0.0% |
| Sep 2024 | +0.6% |
At each fiscal year end
Trailing four quarters at each quarter end
Return on invested capital
n/a
fewer than four consecutive quarters of operating income
Return on invested capital NWFL
| FY Dec 2025 | n/a |
| FY Dec 2024 | n/a |
| FY Dec 2023 | n/a |
| FY Dec 2022 | n/a |
| FY Dec 2021 | n/a |
| Jun 2026 | n/a |
| Mar 2026 | n/a |
| Dec 2025 | n/a |
| Sep 2025 | n/a |
| Jun 2025 | n/a |
| Mar 2025 | n/a |
| Dec 2024 | n/a |
| Sep 2024 | n/a |
At each fiscal year end
Trailing four quarters at each quarter end
Return on capital employed
n/a
fewer than four consecutive quarters of operating income
Return on capital employed NWFL
| FY Dec 2025 | n/a |
| FY Dec 2024 | n/a |
| FY Dec 2023 | n/a |
| FY Dec 2022 | n/a |
| FY Dec 2021 | n/a |
| Jun 2026 | n/a |
| Mar 2026 | n/a |
| Dec 2025 | n/a |
| Sep 2025 | n/a |
| Jun 2025 | n/a |
| Mar 2025 | n/a |
| Dec 2024 | n/a |
| Sep 2024 | n/a |
At each fiscal year end
Trailing four quarters at each quarter end
P/E, trailing
12.07x
close 2026-10-26 over four quarters of diluted EPS, 2025-07-01 to 2026-06-30
P/E, trailing NWFL
| FY Dec 2025 | 9.41x |
| FY Dec 2024 | n/a |
| FY Dec 2023 | 15.90x |
| FY Dec 2022 | 9.34x |
| FY Dec 2021 | 8.58x |
| Jun 2026 | 11.12x |
| Mar 2026 | 10.90x |
| Dec 2025 | 9.41x |
| Sep 2025 | 41.00x |
| Jun 2025 | 122.76x |
| Mar 2025 | 402.83x |
| Dec 2024 | n/a |
| Sep 2024 | 17.35x |
At each fiscal year end
Trailing four quarters at each quarter end
Enterprise value
$376.6M
market value at close 2026-10-26 on 2026-08-01 shares, plus current debt only, 2025-12-31 (6 months older than the period end), minus cash 2018-12-31
Enterprise value NWFL
| FY Dec 2025 | $256.2M |
| FY Dec 2024 | $314.9M |
| FY Dec 2023 | $321.3M |
| FY Dec 2022 | $347.0M |
| FY Dec 2021 | $255.0M |
| Jun 2026 | $346.5M |
| Mar 2026 | $316.7M |
| Dec 2025 | $256.2M |
| Sep 2025 | $243.6M |
| Jun 2025 | $246.9M |
| Mar 2025 | $318.6M |
| Dec 2024 | $314.9M |
| Sep 2024 | $257.1M |
At each fiscal year end
Trailing four quarters at each quarter end
FCF yield
+7.9%
TTM free cash flow over market value at close 2026-10-26
FCF yield NWFL
| FY Dec 2025 | +11.3% |
| FY Dec 2024 | +8.9% |
| FY Dec 2023 | +10.7% |
| FY Dec 2022 | +10.5% |
| FY Dec 2021 | +13.1% |
| Jun 2026 | +8.6% |
| Mar 2026 | +8.3% |
| Dec 2025 | +11.3% |
| Sep 2025 | +10.6% |
| Jun 2025 | +8.7% |
| Mar 2025 | +10.8% |
| Dec 2024 | +8.9% |
| Sep 2024 | +9.9% |
At each fiscal year end
Trailing four quarters at each quarter end
PEG, trailing
0.01x
P/E over trailing EPS growth of 1276%: four quarters to 2026-06-30 against the four to 2025-06-30
PEG, trailing NWFL
| FY Dec 2025 | n/a |
| FY Dec 2024 | n/a |
| FY Dec 2023 | n/a |
| FY Dec 2022 | 0.51x |
| FY Dec 2021 | 0.18x |
| Jun 2026 | 0.01x |
| Mar 2026 | 0.00x |
| Dec 2025 | n/a |
| Sep 2025 | n/a |
| Jun 2025 | n/a |
| Mar 2025 | n/a |
| Dec 2024 | n/a |
| Sep 2024 | n/a |
At each fiscal year end
Trailing four quarters at each quarter end
Price as of 2026-10-26. Hover or tap a tile for its yearly and quarterly history.
Method
TTM is four consecutive fiscal quarters; Q4 is the year minus nine months when not filed. Returns use the average of opening and closing balances. EBIT is approximated by operating income. PEG uses trailing EPS growth.
Fundamentals
Annual figures from XBRL filings. Pick a past date to see them as known then.
| 2025-12 | 2024-12 | 2023-12 | 2022-12 | |
|---|---|---|---|---|
| Revenue | $8.0M | $7.4M | $7.1M | $8.8M |
| Net income | $27.8M | -$160.0K | $16.8M | $29.2M |
| EPS (diluted) | 3.01 | -0.02 | 2.07 | 3.58 |
| Operating cash flow | $34.0M | $22.8M | $29.8M | $30.7M |
| Buybacks | $361.0K | $703.0K | $3.1M | $2.5M |
| Dividends paid | $11.5M | $9.7M | $9.4M | $9.2M |
SEC XBRL, fiscal years, as known on 2026-10-28
NWFL Stock Sonar score 6/7 axes
Find similar shapesCompareNWFL ranks highest on insider conviction (86th percentile) and financial health (82nd), and lowest on institutional and government (30th), among Banks peers.
6 of 7 axes scored. Each is a percentile against sector peers (all companies when the sector is thin); higher is better. An unscored axis is unmeasured, not low. How it is scored
NWFL filings, in plain words
Are Norwood Financial insiders buying or selling NWFL?
In the 180 days to 2026-10-28, Norwood Financial insiders were net buyers, a net $98.1K: $201.7K of purchases and $103.6K of sales reported on Form 4, by 5 buyers and 1 seller.
Are there planned insider sales of NWFL?
Yes. 1 Form 144 notice of planned insider sales was filed in the 90 days to 2026-10-28, covering $102.3K of stock; the latest, by O'Bell Vincent (NWFL), was filed 2026-08-25.
Read the full summary
In the 180 days to 2026-10-28, Norwood Financial insiders were net buyers of NWFL, a net $98.1K across purchases and sales reported on Form 4 by 5 buyers and 1 seller. 5 insiders reported purchases in that window. None of the 4 insider sales was flagged as made under a Rule 10b5-1 plan. Insiders filed 1 Form 144 notice of intent to sell in the 90 days to 2026-10-28, covering $102.3K of stock. Each figure is counted from SEC and House filings as of 2026-10-28, dated the day the filing was made public.
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