NWFL Norwood Financial Corp

  1. Stocks
  2. Financial Services
  3. NASDAQ: NWFL

Price (delayed)

$31

Market cap

$337.61M

P/E Ratio

11.48

Dividend/share

$1.26

EPS

$2.7

Enterprise value

$323.31M

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Relative Growth: Rel. Growth: 87
Relative Strength: Rel. Strength: 57
Relative Valuation: Rel. Valuation: 92
Relative Profitability: Rel. Profitability: 92

Norwood Financial Corp is a bank holding company, created in 1996, with Wayne Bank as a subsidiary.

Highlights
The P/E is 75% below the last 4 quarters average of 46.0 and 70% below the 5-year quarterly average of 38.7
The gross profit is up by 35% year-on-year and by 8% since the previous quarter
The debt is down by 26% year-on-year but it is up by 19% since the previous quarter
NWFL's EPS is down by 10% since the previous quarter
The company's net income fell by 7% QoQ
Sector: Financial Services
Industry: Banks - Regional
Website: http://www.norwoodfc.com
Peers: UVSP ACNB STBA CCNE

Key stats

What are the main financial stats of NWFL

NWFL stock price

How has the Norwood Financial stock price performed over time
Intraday
0.6%
1 week
-1.08%
1 month
3.4%
1 year
22%
YTD
10.52%
QTD
5.37%

Financial performance

How have Norwood Financial's revenue and profit performed over time
Revenue
$83.01M
Gross profit
$83.01M
Operating income
$22.93M
Net income
$25.71M
Gross margin
100%
Net margin
31%
The operating income has surged by 82% year-on-year but it has declined by 10% since the previous quarter
The gross profit is up by 35% year-on-year and by 8% since the previous quarter
NWFL's operating margin is up by 35% year-on-year but it is down by 17% since the previous quarter
NWFL's revenue is up by 35% year-on-year and by 8% since the previous quarter

Price vs fundamentals

How does NWFL's price correlate with its fundamentals

Growth

What is Norwood Financial's growth rate over time

Valuation

What is Norwood Financial stock price valuation
NWFL P/E details
P/E
11.48
P/B
1.19
P/S
4.07
EV/EBIT
9.93
EV/EBITDA
9.43
EV/Sales
3.89
The P/E is 75% below the last 4 quarters average of 46.0 and 70% below the 5-year quarterly average of 38.7
NWFL's EPS is down by 10% since the previous quarter
NWFL's equity is up by 29% year-on-year and by 17% since the previous quarter
NWFL's P/B is 8% above its last 4 quarters average of 1.1
NWFL's revenue is up by 35% year-on-year and by 8% since the previous quarter
The price to sales (P/S) is 23% more than the 5-year quarterly average of 3.3 and 13% more than the last 4 quarters average of 3.6

Efficiency

How efficient is Norwood Financial business performance
Norwood Financial's ROA has decreased by 17% from the previous quarter
NWFL's return on sales is down by 14% since the previous quarter
The ROIC has contracted by 13% from the previous quarter
The return on equity has declined by 13% since the previous quarter

Dividends

What is NWFL's dividend history
Dividend details
DPS
$1.26
Dividend yield
4.06%
Payout ratio
46.7%
Recent dividends

Special dividends are included in TTM DPS and yield

Financial health

How did Norwood Financial financials performed over time
The total assets is 11% greater than the total liabilities
The total assets rose by 23% year-on-year and by 20% since the previous quarter
NWFL's total liabilities is up by 22% year-on-year and by 21% since the previous quarter
The debt is 69% smaller than the equity
Norwood Financial's debt to equity has decreased by 43% YoY
NWFL's equity is up by 29% year-on-year and by 17% since the previous quarter

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.