Andress Spencer J
Transaction: 06/10/2026
BUY
Change
+45
Price
$30.19
Filing
06/12/2026
Type
BUY
Norwood Financial Corp.
NWFL • Banks - Regional
$34.71
▲ +0.05 (+0.14%)
Current price
EarningsLatest report: Mar 31, 2026
FAVORABLE PROFILEAttractiveConfidence: 70%
Quantitative profile — not an investment recommendation.
Quantitative profile — not an investment recommendation.Methodology
Analysis thesis: Strong business quality with supportive growth and cash-flow evidence. Valuation still matters, but the historical ratio profile is favorable.
Market Cap
$284.03M
Growth
7.2%
Cash Flow
5/5
Trend
Stable
Evidence
Stable or improving margins · 20.4%Positive revenue growth · 11.2%Positive free cash flow · 3.19Consistent free cash flow · 5/5Reasonable earnings multiple · 9.26
Financial data as of: Mar 31, 2026, 12:00 AM UTCLast earnings update: Apr 27, 2026, 12:00 AM UTCLast profile update: Aug 5, 2026, 2:27 PM UTC
Company Snapshot
Key valuation, quality, financial strength, momentum and analyst data.
Price$34.71
Change0.14%
Market Cap$284.03M
52W Range23.70 - 32.36
Beta0.55
Gross Margin63.63%
Oper. Margin26.07%
Profit Margin20.39%
Debt/Eq0.31
Current Ratio0.16
Quick Ratio0.16
Revenue 5Y7.19%
Price$34.71
Change0.14%
Market Cap$284.03M
52W Range23.70 - 32.36
Beta0.55
Gross Margin63.63%
Oper. Margin26.07%
Profit Margin20.39%
Debt/Eq0.31
Current Ratio0.16
Quick Ratio0.16
Revenue 5Y7.19%
FCF 5Y2.40%
Target$33.00
Target Upside-4.93%
Target Median$33.00
Target Range33.00 - 33.00
Volume47.66K
Avg Volume21.49K
EPS Surprise-0.09
Investment DNA
How strong this company looks for long-term investors
78
out of 100
Business Quality
Margins, moat, returns
85/100
Financial Strength
Debt, cash, stability
38/100
Growth Potential
Revenue and expansion
59/100
Price Attractiveness
Cheap or expensive today
91/100
Why this score▼
Stable or improving margins · 20.4%Positive revenue growth · 11.2%Positive free cash flow · 3.19Consistent free cash flow · 5/5Reasonable earnings multiple · 9.26Manageable debt level · 0.31
Analyst view
Analyst sentiment and price target
Analyst sentiment
No vote count available
Bullish
0
Hold
0
Bearish
0
Price Target
2026-06-19
Low
$33.00
Mean
$33.00
Median
$33.00
High
$33.00
Insider Transactions
Recent executive and insider activity
Carroll Joseph W
Transaction: 06/10/2026
BUY
Change
+45
Price
$30.19
Filing
06/12/2026
Type
BUY
FORTE ANDREW
Transaction: 06/10/2026
BUY
Change
+55
Price
$30.19
Filing
06/12/2026
Type
BUY
| Insider | Type | Change | Price | Transaction | Filing |
|---|---|---|---|---|---|
| Andress Spencer J | BUY | +45 | $30.19 | 06/10/2026 | 06/12/2026 |
| Carroll Joseph W | BUY | +45 | $30.19 | 06/10/2026 | 06/12/2026 |
| FORTE ANDREW | BUY | +55 | $30.19 | 06/10/2026 | 06/12/2026 |
| Gifford Jeffrey S | BUY | +45 | $30.19 | 06/10/2026 | 06/12/2026 |
| Hungerford Meg L | BUY | +45 | $30.19 | 06/10/2026 | 06/12/2026 |
| LAMONT KEVIN M | BUY | +45 | $30.19 | 06/10/2026 | 06/12/2026 |
| Schmalzle Ronald R | BUY | +45 | $30.19 | 06/10/2026 | 06/12/2026 |
| Matergia Ralph A | BUY | +45 | $30.19 | 06/10/2026 | 06/12/2026 |
| Nacinovich Marissa S | BUY | +45 | $30.19 | 06/10/2026 | 06/12/2026 |
| Nolan Alexandra K | BUY | +45 | $30.19 | 06/10/2026 | 06/12/2026 |
| PHILLIPS KENNETH A | BUY | +45 | $30.19 | 06/10/2026 | 06/12/2026 |
| Shook James | BUY | +45 | $30.19 | 06/10/2026 | 06/12/2026 |
| Schmalzle Ronald R | BUY | +600 | $24.35 | 08/05/2025 | 06/11/2026 |
| Schmalzle Ronald R | BUY | +700 | $30.19 | 05/26/2026 | 05/27/2026 |
| Schmalzle Ronald R | BUY | +700 | $30.19 | 05/26/2026 | 05/26/2026 |
| FORTE ANDREW | BUY | +270 | $29.58 | 05/12/2026 | 05/13/2026 |
| Hungerford Meg L | BUY | +45 | $30.20 | 05/11/2026 | 05/13/2026 |
| Gifford Jeffrey S | BUY | +45 | $30.20 | 05/11/2026 | 05/13/2026 |
| FORTE ANDREW | BUY | +55 | $30.20 | 05/11/2026 | 05/13/2026 |
| Carroll Joseph W | BUY | +45 | $30.20 | 05/11/2026 | 05/13/2026 |