Norwood Financial Corp.
Norwood Financial Corp. (NASDAQ: NWFL) is trading at $33.78, about ₹3,240 at today's USD/INR rate, as of 25 Sep 2026, 4:00 PM ET, up 0.36% today. Indian residents can buy Norwood Financial from India on Paasa under the RBI's Liberalised Remittance Scheme.
Quote
Today's low
$33.59
Today's high
$34.06
52 week low
$23.82
52 week high
$35.48
NWFL opened at $34.06, closed previously at $33.66, and has traded between $23.82 and $35.48 over the past 52 weeks.
About
Norwood Financial Corp. functions as the holding entity for Wayne Bank, delivering a comprehensive suite of financial products and services. The institution facilitates a broad array of deposit options, encompassing both interest-bearing and non-interest-bearing checking accounts, alongside statement savings, money market accounts, and certificates of deposit. Its lending portfolio is extensive, featuring commercial loans such as credit lines, revolving credit facilities, term loans, business mortgages, secured lending products, and letters of credit. Norwood also extends financing for municipal projects, construction loans for both commercial developments and single-family homes, and land acquisition loans. Consumer credit and residential mortgage financing for primary and secondary residences are also key offerings. Furthermore, the company engages in indirect dealer financing for automobiles, boats, and recreational vehicles through dealerships. Beyond traditional banking, Norwood provides investment securities services, trust management, and a variety of contemporary cash management solutions. These include direct deposit, remote and mobile deposit capture, mobile payment processing, automated clearing house (ACH) transactions, real estate settlement support, and robust internet and mobile banking platforms. The corporation also diversifies its revenue through the sale of annuities and mutual funds, discount brokerage services, and an insurance agency operation. Catering to a wide client base, Norwood serves individual consumers, corporate entities, non-profit organizations, and local governments. Its operational footprint includes fourteen branch locations throughout Northeastern Pennsylvania and sixteen branches spanning Delaware, Sullivan, Ontario, Otsego, and Yates Counties in New York, supported by thirty-one automated teller machines. Established in 1870, Norwood Financial Corp. maintains its corporate headquarters in Honesdale, Pennsylvania.
Key statistics
Avg. volume
37.31K
Market cap
$367.89M
P/E Ratio
10.79
Price-to-sales ratio
2.55
Enterprise value
$373.11M
Free cash flow yield
9.13%
Debt-to-equity ratio
0.23
Return on equity
10.98%
ROIC
7.59%
Beta
0.53
Dividend yield
3.76%
Last dividend
$1.27
Financial overview
Revenue
$136.14M
Earnings per share
$3.03
Free cash flow
$29.25M
Net profit margin
19.97%
Gross margin
62.48%
EBITDA
$36.56M
Revenue growth
34.22%
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This is not an investment recommendation
How to buy Norwood Financial from India
Indian residents can buy Norwood Financial shares through Paasa in four steps. Funds leave India under the RBI's Liberalised Remittance Scheme and the shares are held in your own name with Interactive Brokers.
Open a Paasa account
Complete digital KYC with your PAN, Aadhaar and address proof. Your brokerage account is opened in your own name with Interactive Brokers.
Add funds under LRS
Transfer INR from your Indian bank account. Your bank reports the remittance under the RBI's Liberalised Remittance Scheme and converts it to US dollars.
Search for Norwood Financial and place an order
Find Norwood Financial by name or by its ticker, NWFL, and choose an order type. You can buy by amount or by quantity — fractional shares mean there is no minimum trade size. Norwood Financial trades 7:00 pm – 1:30 am IST; orders can only execute during that window.
Track holdings and download tax reports
Follow your Norwood Financial position in USD and INR, and use Paasa's capital-gains and dividend statements when you file your Indian return.
Read the full guide: how to invest in Norwood Financial from India
Trading and taxes when buying Norwood Financial from India
Trading and limits
- Trading hours
- 9:30 am – 4:00 pm ET
- LRS limit
- $250,000Per financial year, under the RBI's Liberalised Remittance Scheme.
Tax for Indian residents
- TCS on remittance
- 20%Collected by your bank on LRS remittances above ₹10 lakh in a financial year. The TCS is adjustable against your income-tax liability.Adjusting TCS against your tax
- Capital gains in India
- 12.5% or slab rateGains on shares held for more than 24 months are long-term and taxed at 12.5%. Gains on shares held for 24 months or less are short-term and taxed at your income-tax slab rate.Capital gains explained
- Dividends
- Slab rateDividends are taxed at your slab rate in India. The US withholds tax on dividends paid to Indian residents at the treaty rate; Paasa files Form W-8BEN for you, and the tax withheld can generally be claimed as a credit in India. Norwood Financial’s current yield is 3.76%.Dividend tax explained
- US estate tax
- May applyUS-situs assets such as US-listed shares can be exposed to US estate tax for non-US persons.US estate tax calculator
Custody. Shares are held in your own name at Interactive Brokers LLC and are SIPC-insured up to $500,000 in total, including $250,000 for cash.
FAQs
Can Indian residents buy Norwood Financial stock?
Yes. Norwood Financial (NWFL) has been listed on NASDAQ since 1998, in the Banks - Regional industry, and Indian residents can buy it through Paasa. You fund the account from your Indian bank under the RBI's Liberalised Remittance Scheme and the money is converted to US dollars. Shares are held in your own name at Interactive Brokers LLC and are SIPC-insured up to $500,000 in total, including $250,000 for cash.
How much does one Norwood Financial share cost in rupees?
One Norwood Financial share is $33.78 — about ₹3,240 at a USD/INR rate of 95.92 on 25 Sep 2026. Both the Norwood Financial price and the rupee rate move during the day, so the rupee cost changes with them.
What are the LRS and TCS rules for buying Norwood Financial from India?
Remit up to $250,000 per financial year under the RBI's Liberalised Remittance Scheme (LRS). Banks collect 20% tax at source on LRS remittances above ₹10 lakh in a financial year; the TCS is adjustable against your income-tax liability. FX and the LRS declaration are handled by your bank when you fund your account.
Can I buy whole shares of Norwood Financial?
Yes. One Norwood Financial share is $33.78, and you can buy as many whole shares as you like. You can also buy by amount rather than by quantity: there is no minimum trade size, and Paasa supports fractional investing in Norwood Financial.
How are gains on Norwood Financial shares taxed in India?
The US does not levy capital gains tax on shares for Indian residents, so the tax is an India-side one. Gains on shares held for more than 24 months are long-term and taxed at 12.5%. Gains on shares held for 24 months or less are short-term and taxed at your income-tax slab rate. The gain is computed in rupees using the USD/INR rate on the purchase and the sale date, so the rupee move counts alongside the Norwood Financial price. Paasa issues a capital-gains statement for your return.
Does Norwood Financial pay a dividend, and how is it taxed in India?
Yes. Norwood Financial pays a dividend and the current yield is 3.76%; the last declared dividend was $1.27 per share, about ₹121.82. Dividends are taxed at your slab rate in India. The US withholds tax on dividends paid to Indian residents at the treaty rate; Paasa files Form W-8BEN for you, and the tax withheld can generally be claimed as a credit in India. Paasa's dividend report lists the gross dividend and any tax withheld for each payment.
When can I trade Norwood Financial from India?
NASDAQ trades 7:00 pm – 1:30 am IST in Indian time, so the close lands after midnight. The window shifts to 8:00 pm – 2:30 am IST when the US is on standard time. Orders can only execute during that window.
Is there estate or inheritance tax on Norwood Financial shares held from India?
US-situs assets such as US-listed shares can be exposed to US estate tax for non-US persons. It applies to your overall holdings in that jurisdiction rather than to any one position. Paasa's US estate tax calculator shows the exposure for a given portfolio value.
Do I have to declare Norwood Financial shares in my Indian tax return?
Yes. Foreign shares held on 31 March must be reported in Schedule FA of your Indian income-tax return. Paasa gives you a Schedule FA-ready statement listing your Norwood Financial holding, its cost and its closing value.
How do I sell Norwood Financial and bring the money back to India?
You sell during market hours (7:00 pm – 1:30 am IST) and the proceeds settle in USD in your Paasa account. From there you can hold the balance, reinvest, or repatriate. Funds can be withdrawn in any currency to any bank account in your own name. Whether the sale is short- or long-term is decided by the 24-month holding period.