FNLC
Price
$26.92
Change
-$0.11 (-0.41%)
Updated
Dec 24 closing price
Capitalization
302.02M
Intraday BUY SELL Signals
NWFL
Price
$28.74
Change
+$0.08 (+0.28%)
Updated
Dec 24 closing price
Capitalization
266.25M
28 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$26.92
Change-$0.11 (-0.41%)
Volume$9.19K
Capitalization302.02M
Norwood Financial
Price$28.74
Change+$0.08 (+0.28%)
Volume$6.64K
Capitalization266.25M
FNLC vs NWFL Comparison Chart in %
FNLC
Daily Signal:
Gain/Loss:
NWFL
Daily Signal:
Gain/Loss:
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VS
FNLC vs. NWFL commentary
Dec 26, 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 StrongBuy and NWFL is a StrongBuy.

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COMPARISON
Comparison
Dec 26, 2025
Stock price -- (FNLC: $26.92 vs. NWFL: $28.74)
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: 51% vs. NWFL: 23%
Market capitalization -- FNLC: $302.02M vs. NWFL: $266.25M
FNLC [@Regional Banks] is valued at $302.02M. NWFL’s [@Regional Banks] market capitalization is $266.25M. The market cap for tickers in the [@Regional Banks] industry ranges from $171.46B to $0. The average market capitalization across the [@Regional Banks] industry is $8.65B.

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 4 TA indicator(s) are bullish while NWFL’s TA Score has 3 bullish TA indicator(s).

  • FNLC’s TA Score: 4 bullish, 6 bearish.
  • NWFL’s TA Score: 3 bullish, 5 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 -4.84% price change this week, while NWFL (@Regional Banks) price change was -2.31% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.01%. For the same industry, the average monthly price growth was +5.44%, and the average quarterly price growth was +15.56%.

Reported Earning Dates

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

Industries' Descriptions

@Regional Banks (+0.01% 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($302M) has a higher market cap than NWFL($266M). NWFL has higher P/E ratio than FNLC: NWFL (44.22) vs FNLC (9.58). NWFL YTD gains are higher at: 11.072 vs. FNLC (4.142). NWFL has more cash in the bank: 32.1M vs. FNLC (27.4M). NWFL has less debt than FNLC: NWFL (72.1M) vs FNLC (95.5M). FNLC has higher revenues than NWFL: FNLC (91.1M) vs NWFL (63.5M).
FNLCNWFLFNLC / NWFL
Capitalization302M266M114%
EBITDAN/AN/A-
Gain YTD4.14211.07237%
P/E Ratio9.5844.2222%
Revenue91.1M63.5M143%
Total Cash27.4M32.1M85%
Total Debt95.5M72.1M132%
FUNDAMENTALS RATINGS
FNLC vs NWFL: Fundamental Ratings
FNLC
NWFL
OUTLOOK RATING
1..100
2577
VALUATION
overvalued / fair valued / undervalued
1..100
23
Undervalued
92
Overvalued
PROFIT vs RISK RATING
1..100
4863
SMR RATING
1..100
4664
PRICE GROWTH RATING
1..100
5148
P/E GROWTH RATING
1..100
746
SEASONALITY SCORE
1..100
50n/a

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 (23) in the Regional Banks industry is significantly better than the same rating for NWFL (92). This means that FNLC’s stock grew significantly faster than NWFL’s over the last 12 months.

FNLC's Profit vs Risk Rating (48) in the Regional Banks industry is in the same range as NWFL (63). This means that FNLC’s stock grew similarly to NWFL’s over the last 12 months.

FNLC's SMR Rating (46) in the Regional Banks industry is in the same range as NWFL (64). This means that FNLC’s stock grew similarly to NWFL’s over the last 12 months.

NWFL's Price Growth Rating (48) in the Regional Banks industry is in the same range as FNLC (51). This means that NWFL’s stock grew similarly to FNLC’s over the last 12 months.

NWFL's P/E Growth Rating (6) in the Regional Banks industry is significantly better than the same rating for FNLC (74). This means that NWFL’s stock grew significantly faster than FNLC’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
FNLCNWFL
RSI
ODDS (%)
Bearish Trend 3 days ago
87%
Bearish Trend 3 days ago
54%
Stochastic
ODDS (%)
Bearish Trend 3 days ago
52%
Bullish Trend 3 days ago
63%
Momentum
ODDS (%)
Bearish Trend 3 days ago
48%
Bearish Trend 3 days ago
50%
MACD
ODDS (%)
Bearish Trend 3 days ago
41%
Bearish Trend 3 days ago
55%
TrendWeek
ODDS (%)
Bearish Trend 3 days ago
50%
Bearish Trend 3 days ago
54%
TrendMonth
ODDS (%)
Bullish Trend 3 days ago
53%
Bullish Trend 3 days ago
59%
Advances
ODDS (%)
Bullish Trend 9 days ago
52%
Bullish Trend 16 days ago
59%
Declines
ODDS (%)
Bearish Trend 3 days ago
51%
Bearish Trend 4 days ago
52%
BollingerBands
ODDS (%)
Bearish Trend 3 days ago
68%
Bearish Trend 3 days ago
42%
Aroon
ODDS (%)
Bullish Trend 3 days ago
45%
Bullish Trend 3 days ago
50%
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FNLC
Daily Signal:
Gain/Loss:
NWFL
Daily Signal:
Gain/Loss:
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FNLC and

Correlation & Price change

A.I.dvisor indicates that over the last year, FNLC has been closely correlated with KRNY. These tickers have moved in lockstep 75% of the time. This A.I.-generated data suggests there is a high statistical probability that if FNLC jumps, then KRNY could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To FNLC
1D Price
Change %
FNLC100%
-0.41%
KRNY - FNLC
75%
Closely correlated
+0.92%
PKBK - FNLC
74%
Closely correlated
-0.20%
MCBS - FNLC
73%
Closely correlated
+0.11%
FCBC - FNLC
73%
Closely correlated
-0.15%
HFWA - FNLC
73%
Closely correlated
-0.20%
More

NWFL and

Correlation & Price change

A.I.dvisor indicates that over the last year, NWFL has been loosely correlated with FNLC. These tickers have moved in lockstep 64% of the time. This A.I.-generated data suggests there is some statistical probability that if NWFL jumps, then FNLC could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To NWFL
1D Price
Change %
NWFL100%
+0.28%
FNLC - NWFL
64%
Loosely correlated
-0.41%
ATLO - NWFL
60%
Loosely correlated
+0.65%
FCBC - NWFL
60%
Loosely correlated
-0.15%
PFIS - NWFL
60%
Loosely correlated
+0.60%
MCBS - NWFL
60%
Loosely correlated
+0.11%
More