NWFL NORWOOD FINANCIAL CORP Insider Trading

Director Ronald R Schmalzle buys 600 shares of NWFL at $24.35; stock now $31.58 (+6.5% in 30d)

Director Ronald R Schmalzle purchased 600 shares at $24.35 on 2025-08-05, increasing his holdings from 26,468 to 27,068 shares. The stock has appreciated 6.5% over the past 30 days and 11.6% over 90 days, currently trading at $31.58 against a 52-week range of $23.70–$32.23. However, Schmalzle's cross-ticker track record shows an 18.18% 90-day win rate with an average 90-day return of -0.2%, and his prior buys at NWFL have been mixed—only 1 of 5 prior purchases resulted in positive 90-day performance. The company shows solid fundamentals with +8.1% annual revenue growth, a P/E of 13.38, and net income of $3.7M on quarterly revenue of $2.3M, but the timing pattern of this director's purchases at this ticker has not been consistently successful.

Director Ronald R Schmalzle purchases 700 shares of NWFL at $30.19; holdings rise to 27,168 shares

Ronald R Schmalzle, a Director, purchased 700 shares of NORWOOD FINANCIAL CORP at $30.19 on 2026-05-26, increasing his holdings from 26,468 to 27,168 shares. At his prior five trades at this ticker, only 1 of 5 buys showed positive 90-day returns, with most recent purchases in early 2025 declining over both 30-day and 90-day periods. The company's fundamentals remain modest but stable—revenue of $2,276,000.00, net income of $3,730,000.00, and annual revenue growth of +8.1%—with a P/E of 13.01 and market cap of $334,344,459.30. The stock is currently -4.8% from its 52-week high of $32.23, suggesting the purchase occurred after recent weakness rather than at peak valuation.

Director Carroll Joseph W buys 672 shares in six parcels; stock down from 52-week highs while company reports profitable fundamentals.

Director Carroll Joseph W made six open-market purchases totaling 672 shares on a single day, nearly tripling his prior holding. The stock is currently trading well below its 52-week high and has declined over the preceding month. This buying activity is occurring within a cluster window where four insiders purchased shares in the same span, suggesting broader board-level interest at this price level. Carroll's own history with this stock shows mixed timing—four of his five prior purchases at this ticker were followed by gains within 90 days, though one purchase proved poorly timed. The company itself remains profitable with growing revenue, providing fundamental support for the open-market activity. This is Carroll's sixth open-market purchase of NWFL shares in the current filing window, extending a consistent pattern of accumulation without any sales.

Director Carroll Joseph W purchases 180 shares of NWFL amid cluster of insider buying activity; stock near 52-week highs.

Carroll Joseph W, a director of Norwood Financial, purchased 180 shares at open-market prices, increasing his position by nearly a quarter—a meaningful commitment from someone with board-level visibility into company strategy and performance. What distinguishes this trade is its timing: it's part of a cluster of three insider purchases within a two-week window, suggesting coordinated conviction rather than an isolated vesting-driven acquisition. The director is buying near the stock's recent highs after a sharp recovery over the past month, which is atypical—most insider buying occurs during weakness or pullbacks, making this upside purchasing particularly noteworthy. Norwood Financial is financially sound, with consistent profitability and moderate valuation, but the stock's elevated price position combined with clustering insider purchases hints that board members see further upside opportunity or confidence in near-term performance ahead.

Director James Shook purchases shares in profitable NWFL at depressed valuation amid modestly recovering stock price.

James Shook, a director at Norwood Financial, purchased a modest stake in the company on an open-market basis, adding to his existing holdings. The purchase occurred while the stock is trading meaningfully below its highs—a period when insider confidence often emerges, though this is a relatively small addition to his position. The company itself is in solid financial health: profitable with growing revenues and trading at a compressed valuation multiple, the kind of foundational strength that typically attracts long-term shareholders. The timing matters: while the stock has recovered modestly over recent months, it remains well off its peak, which could reflect either a temporary market mispricing or a company hitting a cyclical soft patch. Director buying at these depressed levels—rather than at peak enthusiasm—is a more credible signal of conviction in underlying value.

CEO of profitable regional bank buys $2,906 worth of stock while trading below recent highs

James O. Donnelly, the President and CEO of Norwood Financial, purchased 100 shares at an average price that reflected a meaningful discount to where the stock had traded in recent months, signaling confidence in the company's value at current levels. What makes this noteworthy is the timing: Donnelly is buying into a profitable, revenue-growing regional bank—not a distressed turnaround—while the stock sits noticeably below its recent highs, suggesting he views the pullback as an opportunity rather than a warning. For a CEO with direct operational knowledge, this kind of open-market purchase at a measured price point—not chasing strength—typically reflects conviction that the market has temporarily mispriced the business. Combined with the company's solid fundamentals and reasonable valuation, Donnelly's personal investment signals an insider who is willing to put his own capital behind the stock when the risk-reward favors the upside.

CFO McCaffery buys 1,000 shares at $29.44 (4.0K post); 4 of 5 prior NWFL buys well-timed, cluster buy in progress

McCaffery John Martin JR (EVP & CFO) purchased 1,000 shares at $29.44 on 2026-04-30, increasing his holdings by 33.3% to 4.0K shares, which represents meaningful incremental commitment by the firm's finance leader. His prior trades at NWFL show a strong pattern: 4 of 5 prior buys delivered positive 90-day returns, with the most recent buy on 2025-08-01 returning +12.3% in 30 days and +10.2% in 90 days, demonstrating consistent market-timing accuracy at this specific ticker. This buy also appears part of a broader insider buying cluster—2 other company insiders purchased shares within the past 14 days—alongside fundamental support: the company reports a P/E of 8.95 and annual revenue growth of 8.1%. The current price of $29.27 is 8.8% below the 52-week high, positioning this purchase at a modest discount to recent extremes rather than at depressed levels.

Director Carroll Joseph W purchases 4,000 shares (4.0K) for $112,539.96 at NWFL; cluster pattern with 2 other insiders buying in past 14 days

Director Carroll Joseph W executed 3 separate purchases totaling 4,000 shares for $112,539.96 at a blended average price of $28.13 on 2026-01-28, increasing his holdings from 37,503 to 41,503 shares (+10.7%). The purchases occurred at prices below the current market price of $29.43 and within the 52-week range. Notably, 2 other insiders also purchased shares within the past 14 days, forming a cluster buy pattern. However, the insider's cross-ticker track record shows limited predictive value: across 4 prior open-market buys at other companies, his average 90-day return was -1.6% with a 0.00% win rate. The company's fundamentals present a mixed picture: it reported $8.3M net income in the latest quarter and $2.0M quarterly revenue, yet was unprofitable over its most recent full fiscal year, with a notably elevated P/E of 35.46. The timing of the purchase relative to broader positive price momentum (stock up +4.0% over 30 days and +10.6% over 90 days) and the confluence of multiple insider purchases warrants attention to insider sentiment, though the fundamental profitability headwind limits conviction signals.

Director Carroll Joseph W bought 2,000 shares of NWFL at $27.91 on 2026-01-27; cluster pattern with 2 other insiders buying within 14 days

Director Carroll Joseph W purchased 2,000 shares at $27.91, increasing his holdings to 37,503 shares. The transaction is part of a cluster buy pattern with 2 other insiders buying within the past 14 days, indicating coordinated insider interest. However, this director's cross-ticker track record shows 6 prior buys with 0% win rate at the 90-day mark and an average 90-day return of -1.6%, offering limited predictive signal. The current stock price of $28.06 is only marginally above the transaction price and -7.2% from the 52-week high, and the company carries a P/E of 33.81 despite being unprofitable over its most recent full fiscal year—a structural concern that warrants scrutiny independent of insider activity.

Director Shook James buys 3,500 shares of NWFL at $28.80; holdings rise 72.5% to 8,330 shares; 4-of-4 prior NWFL buys well-timed at 90-day mark.

Shook James purchased 3,500 shares at $28.80, increasing his stake by 72.5% and bringing holdings to 8,330 shares. His prior four transactions at NWFL (all buys on 2025-10-27) delivered strong 90-day returns of 3.7%–4.7%, with a perfect 4-of-4 track record of well-timed entries. His cross-ticker buy history shows 100.00% 90-day win rate across 4 prior open-market purchases. The current stock price of $28.06 sits 7.2% below the 52-week high of $30.25, placing this buy near recent lows within the annual range. However, the company reported full-year negative net income despite a latest-quarter net income of $8.3M and 3.7% annual revenue growth, raising questions about underlying profitability trends. A cluster pattern of 2 other insiders buying within 14 days suggests broader conviction, though the elevated P/E of 33.81 and macroeconomic headwinds warrant monitoring against the director's demonstrated timing acumen at this ticker.