Norwood Financial Corp.
Financial ServicesNASDAQ:NWFL · NASDAQ Global Market
+$0.23 today
Vol 0.02M · Avg 0.02M
Management
Put operating results in leadership context
Review returns on capital, executive background, insider transactions, and growth quality to judge whether management is compounding value well.
Return Metrics
ROE, ROIC & ROA over time
ROE
11.5%
avg 9.0%
ROIC
8.4%
avg 5.1%
ROA
1.1%
avg 0.9%
Analysis
ROE is currently the strongest return metric at 11.5% versus its period average of 9.0%. 0 of 3 return metrics are above their quality threshold, which helps indicate how efficiently the company turns capital and assets into profit.
Management
Key executives, compensation & ownership
| Name | Title | Compensation | Tenure | Age | Shares Owned | Ownership % |
|---|---|---|---|---|---|---|
James O. Donnelly | President, Chief Executive Officer & Director | $811,584.00 | — | 58 | $9,443.00 | 0.10% |
John Martin McCaffery Jr. | Executive Vice President & Chief Financial Officer | $526,128.00 | — | 62 | $4,000.00 | 0.04% |
John F. Carmody | Executive Vice President & Chief Credit Officer | $410,756.00 | — | 56 | $4,000.00 | 0.04% |
Joseph W. Adams | Senior Vice President & Director of Wealth Management | $78,857.00 | — | 63 | $41,784.00 | 0.45% |
Janak Amin | Executive VP & COO | — | — | 61 | $822.00 | <0.01% |
Kristen E. Lancia CFMP | Vice President & Marketing Manager | — | — | — | — | — |
Joseph Mahon | Senior Vice President & Finger Lakes Commercial Loan Team Leader | — | — | — | $41,784.00 | 0.45% |
Ryan J. French | Executive Vice President & Director of Human Resources | — | — | — | — | — |
Steven Daniels | Executive Vice President & Director of Consumer Banking | — | — | — | — | — |
Tracie A. Young | Executive Vice President & Director of Risk | — | — | 56 | — | — |
Insider Trading
SEC Form 4 transactions — last 12 months
Buys
29
$533,210.47
Sells
0
$0.00
Net Sentiment
+$533,210.47
Net buying
Most Active
Carroll Joseph W
10 transactions
1–10 of 29
Analysis
Insiders reported 29 buys worth $533,210.47 and 0 sells worth $0.00 over the last 12 months. That adds up to net buying of $533,210.47. Carroll Joseph W was the most active insider with 10 transactions.
Growth Analysis
Historical CAGR & forward analyst estimates
| Metric | 10yr | 5yr | 3yr | Fwd Est. |
|---|---|---|---|---|
| EPS | N/A | N/A | -11.6% | +10.9% (12yr)1 analysts |
| Revenue | N/A | N/A | -2.1% | +11.6% (12yr)1 analysts |
| Net Income | N/A | N/A | -11.1% | +15.6% (12yr)1 analysts |
| EBIT | N/A | N/A | -13.0% | +12.5% (12yr)1 analysts |
Analysis
Recent growth has been strongest in Revenue at -2.1% over three years. Forward estimates point to Net Income at +15.6% (12yr), giving you a quick check on whether expectations are accelerating or cooling.
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Who manages NWFL?
Norwood Financial Corp. (NWFL) lists 10 active executives. The top listed executive is James O. Donnelly, President, Chief Executive Officer & Director.
Are NWFL insiders buying or selling?
Recent insider activity shows net buying of $2.46M.
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