Norwood Financial (NWFL) ROE: History & Chart

Norwood Financial Corp.(NWFL)

Banks - Regional · Honesdale, PA

$34.07+0.31 (+0.92%)

Delayed quote: Oct 6, 2026, 4:00 PM EDT

About Norwood Financial Corp.

Norwood Financial Corp. functions as the holding entity for Wayne Bank, delivering a comprehensive suite of financial products and services. The institution facilitates a broad array of deposit options, encompassing both interest-bearing and non-interest-bearing checking accounts, alongside statement savings, money market accounts, and certificates of deposit. Its lending portfolio is extensive, featuring commercial loans such as credit lines, revolving credit facilities, term loans, business mortgages, secured lending products, and letters of credit. Norwood also extends financing for municipal projects, construction loans for both commercial developments and single-family homes, and land acquisition loans. Consumer credit and residential mortgage financing for primary and secondary residences are also key offerings. Furthermore, the company engages in indirect dealer financing for automobiles, boats, and recreational vehicles through dealerships. Beyond traditional banking, Norwood provides investment securities services, trust management, and a variety of contemporary cash management solutions. These include direct deposit, remote and mobile deposit capture, mobile payment processing, automated clearing house (ACH) transactions, real estate settlement support, and robust internet and mobile banking platforms. The corporation also diversifies its revenue through the sale of annuities and mutual funds, discount brokerage services, and an insurance agency operation. Catering to a wide client base, Norwood serves individual consumers, corporate entities, non-profit organizations, and local governments. Its operational footprint includes fourteen branch locations throughout Northeastern Pennsylvania and sixteen branches spanning Delaware, Sullivan, Ontario, Otsego, and Yates Counties in New York, supported by thirty-one automated teller machines. Established in 1870, Norwood Financial Corp. maintains its corporate headquarters in Honesdale, Pennsylvania.

Honesdale, PA

275 employees

wayne.bank

Financial Services / Banks - Regional

Sector: Financial Services
Industry: Banks - Regional
CEO: James O. Donnelly

View full financials

NWFL Return on Equity (ROE) Metrics

RETURN ON EQUITY (ROE)

9.96%

RETURN ON EQUITY (ROE) AVG TTM

7.03%

RETURN ON EQUITY (ROE) AVG 3Y

7.48%

RETURN ON EQUITY (ROE) AVG 5Y

10.17%

RETURN ON EQUITY (ROE) AVG 10Y

9.47%

RETURN ON EQUITY (ROE) AVG 15Y

8.66%

RETURN ON EQUITY (ROE) AVG 20Y

9.63%

CURRENT VS TTM AVG

+41.65%

CURRENT VS 3Y AVG

+33.02%

CURRENT VS 5Y AVG

-2.08%

CURRENT VS 10Y AVG

+5.10%

CURRENT VS 15Y AVG

+15.01%

CURRENT VS 20Y AVG

+3.33%

SECTOR MEDIAN · FINANCIAL SERVICES

8.76%

median of 677 covered companies

CURRENT VS SECTOR MEDIAN

+13.64%

vs the sector median at left

NAME	MARKET CAP	RETURN ON EQUITY (ROE)	TTM	3Y	5Y
Norwood Financial Corp. (NWFL)	$371.05M	9.96%	7.03%	7.48%	10.17%
Northeast Community Bancorp, Inc. (NECB)vs ›	$369.98M	11.70%	13.71%	13.37%	11.04%
GSR V Acquisition Corp. (GSRV)vs ›	$369.11M	N/A	N/A	N/A	N/A
Siddhi Acquisition Corp (SDHI)vs ›	$374.60M	3.70%	0.12%	0.12%	-4.09%
Titan Acquisition Corp. (TACH)vs ›	$363.98M	3.08%	56.80%	56.80%	56.80%
Silvia, Inc. (SVIA)vs ›	$378.60M	N/A	N/A	N/A	N/A
OTG Acquisition Corp. I Class A Ordinary Share (OTGA)vs ›	$361.92M	N/A	0.00%	0.00%	0.00%
The First Bancorp, Inc. (FNLC)vs ›	$380.56M	12.91%	11.43%	13.01%	13.15%
Gores Holdings XI, Inc. Class A Ordinary Shares (GHXI)vs ›	$360.69M	N/A	N/A	N/A	N/A
Oportun Financial Corporation (OPRT)vs ›	$381.91M	4.79%	-7.88%	-18.62%	-12.71%

NAME

MARKET CAP

RETURN ON EQUITY (ROE)

TTM

Norwood Financial Corp. (NWFL)

$371.05M

9.96%

7.03%

7.48%

10.17%

Northeast Community Bancorp, Inc. (NECB)vs ›

$369.98M

11.70%

13.71%

13.37%

11.04%

GSR V Acquisition Corp. (GSRV)vs ›

$369.11M

N/A

Siddhi Acquisition Corp (SDHI)vs ›

$374.60M

3.70%

0.12%

-4.09%

Titan Acquisition Corp. (TACH)vs ›

$363.98M

3.08%

56.80%

Silvia, Inc. (SVIA)vs ›

$378.60M

N/A

OTG Acquisition Corp. I Class A Ordinary Share (OTGA)vs ›

$361.92M

N/A

0.00%

The First Bancorp, Inc. (FNLC)vs ›

$380.56M

12.91%

11.43%

13.01%

13.15%

Gores Holdings XI, Inc. Class A Ordinary Shares (GHXI)vs ›

$360.69M

N/A

Oportun Financial Corporation (OPRT)vs ›

$381.91M

4.79%

-7.88%

-18.62%

-12.71%

Return on Equity (ROE) FAQ

What is the return on equity (ROE) for Norwood Financial Corp. (NWFL)?

The return on equity (ROE) for NWFL stock is 9.96%.

Is Norwood Financial Corp.'s return on equity (ROE) high or low?

The return on equity (ROE) of 9.96% is in line with its 5-year average of 10.17%, around the middle of its 5-year range (-0.08%–18.09%).

What is the TTM average return on equity (ROE) for Norwood Financial Corp. (NWFL)?

The TTM average return on equity (ROE) for NWFL stock is 7.03%.

What is the 3Y average return on equity (ROE) for Norwood Financial Corp. (NWFL)?

The 3Y average return on equity (ROE) for NWFL stock is 7.48%.

What is the 5Y average return on equity (ROE) for Norwood Financial Corp. (NWFL)?

The 5Y average return on equity (ROE) for NWFL stock is 10.17%.

What is the 10Y average return on equity (ROE) for Norwood Financial Corp. (NWFL)?

The 10Y average return on equity (ROE) for NWFL stock is 9.47%.

What is the 15Y average return on equity (ROE) for Norwood Financial Corp. (NWFL)?

The 15Y average return on equity (ROE) for NWFL stock is 8.66%.

What is the 20Y average return on equity (ROE) for Norwood Financial Corp. (NWFL)?

The 20Y average return on equity (ROE) for NWFL stock is 9.63%.

DATE	RETURN ON EQUITY (ROE)
2026-06-30	9.96%
2026-03-31	9.06%
2025-12-31	11.46%
2025-09-30	3.26%
2025-06-30	1.41%
2025-03-31	0.53%
2024-12-31	-0.08%
2024-09-30	6.56%
2024-06-30	7.20%
2024-03-31	8.50%
2023-12-31	9.25%
2023-09-30	14.29%
2023-06-30	15.88%
2023-03-31	15.81%
2022-12-31	17.50%
2022-09-30	18.09%
2022-06-30	15.88%
2022-03-31	14.19%
2021-12-31	12.14%
2021-09-30	11.74%
2021-06-30	10.88%
2021-03-31	8.99%
2020-12-31	7.74%
2020-09-30	6.91%
2020-06-30	8.46%
2020-03-31	9.92%
2019-12-31	10.34%
2019-09-30	10.32%
2019-06-30	10.44%
2019-03-31	10.82%
2018-12-31	11.16%
2018-09-30	9.01%
2018-06-30	8.43%
2018-03-31	7.86%
2017-12-31	7.08%
2017-09-30	8.83%
2017-06-30	6.94%
2017-03-31	6.39%
2016-12-31	6.04%
2016-09-30	3.88%
2016-06-30	5.41%
2016-03-31	5.59%
2015-12-31	5.85%
2015-09-30	7.18%
2015-06-30	7.67%
2015-03-31	7.70%
2014-12-31	7.73%
2014-09-30	8.52%
2014-06-30	8.64%
2014-03-31	8.62%
2013-12-31	9.21%
2013-09-30	8.80%
2013-06-30	8.96%
2013-03-31	9.17%
2012-12-31	9.09%
2012-09-30	9.40%
2012-06-30	9.59%
2012-03-31	8.87%
2011-12-31	8.35%
2011-09-30	8.25%
2011-06-30	8.08%
2011-03-31	10.46%
2010-12-31	10.80%
2010-09-30	10.68%
2010-06-30	10.77%
2010-03-31	10.94%
2009-12-31	10.96%
2009-09-30	10.74%
2009-06-30	10.90%
2009-03-31	11.03%
2008-12-31	11.38%
2008-09-30	12.05%
2008-06-30	12.48%
2008-03-31	12.07%
2007-12-31	11.66%
2007-09-30	11.73%
2007-06-30	11.54%
2007-03-31	11.38%
2006-12-31	11.32%
2006-09-30	11.31%
2006-06-30	11.65%
2006-03-31	11.52%
2005-12-31	11.43%
2005-09-30	11.42%
2005-06-30	11.22%
2005-03-31	11.08%
2004-12-31	10.97%
2004-09-30	10.88%
2004-06-30	11.10%
2004-03-31	10.77%
2003-12-31	10.86%
2003-09-30	10.89%
2003-06-30	10.82%

DATE

RETURN ON EQUITY (ROE)

2026-06-30

9.96%

2026-03-31

9.06%

2025-12-31

11.46%

2025-09-30

3.26%

2025-06-30

1.41%

2025-03-31

0.53%

2024-12-31

-0.08%

2024-09-30

6.56%

2024-06-30

7.20%

2024-03-31

8.50%

2023-12-31

9.25%

2023-09-30

14.29%

2023-06-30

15.88%

2023-03-31

15.81%

2022-12-31

17.50%

2022-09-30

18.09%

2022-06-30

15.88%

2022-03-31

14.19%

2021-12-31

12.14%

2021-09-30

11.74%

2021-06-30

10.88%

2021-03-31

8.99%

2020-12-31

7.74%

2020-09-30

6.91%

2020-06-30

8.46%

2020-03-31

9.92%

2019-12-31

10.34%

2019-09-30

10.32%

2019-06-30

10.44%

2019-03-31

10.82%

2018-12-31

11.16%

2018-09-30

9.01%

2018-06-30

8.43%

2018-03-31

7.86%

2017-12-31

7.08%

2017-09-30

8.83%

2017-06-30

6.94%

2017-03-31

6.39%

2016-12-31

6.04%

2016-09-30

3.88%

2016-06-30

5.41%

2016-03-31

5.59%

2015-12-31

5.85%

2015-09-30

7.18%

2015-06-30

7.67%

2015-03-31

7.70%

2014-12-31

7.73%

2014-09-30

8.52%

2014-06-30

8.64%

2014-03-31

8.62%

2013-12-31

9.21%

2013-09-30

8.80%

2013-06-30

8.96%

2013-03-31

9.17%

2012-12-31

9.09%

2012-09-30

9.40%

2012-06-30

9.59%

2012-03-31

8.87%

2011-12-31

8.35%

2011-09-30

8.25%

2011-06-30

8.08%

2011-03-31

10.46%

2010-12-31

10.80%

2010-09-30

10.68%

2010-06-30

10.77%

2010-03-31

10.94%

2009-12-31

10.96%

2009-09-30

10.74%

2009-06-30

10.90%

2009-03-31

11.03%

2008-12-31

11.38%

2008-09-30

12.05%

2008-06-30

12.48%

2008-03-31

12.07%

2007-12-31

11.66%

2007-09-30

11.73%

2007-06-30

11.54%

2007-03-31

11.38%

2006-12-31

11.32%

2006-09-30

11.31%

2006-06-30

11.65%

2006-03-31

11.52%

2005-12-31

11.43%

2005-09-30

11.42%

2005-06-30

11.22%

2005-03-31

11.08%

2004-12-31

10.97%

2004-09-30

10.88%

2004-06-30

11.10%

2004-03-31

10.77%

2003-12-31

10.86%

2003-09-30

10.89%

2003-06-30

10.82%

Return on Equity (ROE): 9.96%

NWFL Return on Equity (ROE)

NWFL Average Return on Equity (ROE) Chart

NWFL Current vs Average Return on Equity (ROE) Chart

NWFL Return on Equity (ROE) Metrics

NWFL Competitors' Return on Equity (ROE)

Return Analysis

Return on Equity (ROE) Formula & Definition

Return on Equity (ROE) FAQ

NWFL Return on Equity (ROE) History

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