FNLC
Price
$24.75
Change
-$0.06 (-0.24%)
Updated
Nov 19 closing price
Capitalization
277.68M
Intraday BUY SELL Signals
NWFL
Price
$27.02
Change
+$0.18 (+0.67%)
Updated
Nov 19, 04:51 PM (EDT)
Capitalization
250.37M
64 days until earnings call
Intraday BUY SELL Signals
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FNLC vs NWFL

Header iconFNLC vs NWFL Comparison
Open Charts FNLC vs NWFLBanner chart's image
First Ban
Price$24.75
Change-$0.06 (-0.24%)
Volume$15.33K
Capitalization277.68M
Norwood Financial
Price$27.02
Change+$0.18 (+0.67%)
Volume$100
Capitalization250.37M
FNLC vs NWFL Comparison Chart in %
FNLC
Daily Signal:
Gain/Loss:
NWFL
Daily Signal:
Gain/Loss:
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FNLC vs. NWFL commentary
Nov 20, 2025

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is FNLC is a Hold and NWFL is a Hold.

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COMPARISON
Comparison
Nov 20, 2025
Stock price -- (FNLC: $24.75 vs. NWFL: $27.02)
Brand notoriety: FNLC and NWFL are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: FNLC: 73% vs. NWFL: 78%
Market capitalization -- FNLC: $277.68M vs. NWFL: $250.37M
FNLC [@Regional Banks] is valued at $277.68M. NWFL’s [@Regional Banks] market capitalization is $250.37M. The market cap for tickers in the [@Regional Banks] industry ranges from $172.58B to $0. The average market capitalization across the [@Regional Banks] industry is $7.96B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

FNLC’s FA Score shows that 1 FA rating(s) are green whileNWFL’s FA Score has 1 green FA rating(s).

  • FNLC’s FA Score: 1 green, 4 red.
  • NWFL’s FA Score: 1 green, 4 red.
According to our system of comparison, FNLC is a better buy in the long-term than NWFL.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

FNLC’s TA Score shows that 3 TA indicator(s) are bullish while NWFL’s TA Score has 6 bullish TA indicator(s).

  • FNLC’s TA Score: 3 bullish, 4 bearish.
  • NWFL’s TA Score: 6 bullish, 4 bearish.
According to our system of comparison, NWFL is a better buy in the short-term than FNLC.

Price Growth

FNLC (@Regional Banks) experienced а -3.17% price change this week, while NWFL (@Regional Banks) price change was +0.17% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was -0.93%. For the same industry, the average monthly price growth was +1.61%, and the average quarterly price growth was +11.37%.

Reported Earning Dates

NWFL is expected to report earnings on Jan 23, 2026.

Industries' Descriptions

@Regional Banks (-0.93% weekly)

Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.

SUMMARIES
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FUNDAMENTALS
Fundamentals
FNLC($278M) has a higher market cap than NWFL($250M). NWFL has higher P/E ratio than FNLC: NWFL (41.58) vs FNLC (8.81). NWFL YTD gains are higher at: 4.444 vs. FNLC (-4.253). NWFL has more cash in the bank: 32.1M vs. FNLC (27.4M). NWFL has less debt than FNLC: NWFL (112M) vs FNLC (196M). FNLC has higher revenues than NWFL: FNLC (86.8M) vs NWFL (58.7M).
FNLCNWFLFNLC / NWFL
Capitalization278M250M111%
EBITDAN/AN/A-
Gain YTD-4.2534.444-96%
P/E Ratio8.8141.5821%
Revenue86.8M58.7M148%
Total Cash27.4M32.1M85%
Total Debt196M112M175%
FUNDAMENTALS RATINGS
FNLC vs NWFL: Fundamental Ratings
FNLC
NWFL
OUTLOOK RATING
1..100
2016
VALUATION
overvalued / fair valued / undervalued
1..100
18
Undervalued
90
Overvalued
PROFIT vs RISK RATING
1..100
5458
SMR RATING
1..100
4571
PRICE GROWTH RATING
1..100
5747
P/E GROWTH RATING
1..100
757
SEASONALITY SCORE
1..100
5050

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

FNLC's Valuation (18) in the Regional Banks industry is significantly better than the same rating for NWFL (90). This means that FNLC’s stock grew significantly faster than NWFL’s over the last 12 months.

FNLC's Profit vs Risk Rating (54) in the Regional Banks industry is in the same range as NWFL (58). This means that FNLC’s stock grew similarly to NWFL’s over the last 12 months.

FNLC's SMR Rating (45) in the Regional Banks industry is in the same range as NWFL (71). This means that FNLC’s stock grew similarly to NWFL’s over the last 12 months.

NWFL's Price Growth Rating (47) in the Regional Banks industry is in the same range as FNLC (57). This means that NWFL’s stock grew similarly to FNLC’s over the last 12 months.

NWFL's P/E Growth Rating (7) in the Regional Banks industry is significantly better than the same rating for FNLC (75). This means that NWFL’s stock grew significantly faster than FNLC’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
FNLCNWFL
RSI
ODDS (%)
N/A
Bearish Trend 2 days ago
58%
Stochastic
ODDS (%)
Bullish Trend 1 day ago
65%
Bearish Trend 2 days ago
54%
Momentum
ODDS (%)
Bearish Trend 1 day ago
50%
Bullish Trend 2 days ago
54%
MACD
ODDS (%)
Bearish Trend 1 day ago
43%
Bullish Trend 2 days ago
73%
TrendWeek
ODDS (%)
Bearish Trend 1 day ago
51%
Bearish Trend 2 days ago
55%
TrendMonth
ODDS (%)
Bearish Trend 1 day ago
43%
Bullish Trend 2 days ago
58%
Advances
ODDS (%)
Bullish Trend 6 days ago
53%
Bullish Trend 6 days ago
59%
Declines
ODDS (%)
Bearish Trend 1 day ago
52%
Bearish Trend 2 days ago
53%
BollingerBands
ODDS (%)
N/A
Bearish Trend 2 days ago
58%
Aroon
ODDS (%)
Bullish Trend 1 day ago
45%
Bullish Trend 2 days ago
49%
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FNLC
Daily Signal:
Gain/Loss:
NWFL
Daily Signal:
Gain/Loss:
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NWFL and

Correlation & Price change

A.I.dvisor indicates that over the last year, NWFL has been loosely correlated with TCBK. These tickers have moved in lockstep 62% of the time. This A.I.-generated data suggests there is some statistical probability that if NWFL jumps, then TCBK could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To NWFL
1D Price
Change %
NWFL100%
+0.69%
TCBK - NWFL
62%
Loosely correlated
+0.87%
FNLC - NWFL
60%
Loosely correlated
-0.24%
PFS - NWFL
60%
Loosely correlated
+0.67%
HFWA - NWFL
59%
Loosely correlated
+0.77%
CVBF - NWFL
59%
Loosely correlated
+1.00%
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