Have a feature idea you'd love to see implemented?
Let us know!
Price (delayed)
$29.24
Market cap
$236.42M
P/E Ratio
17.94
Dividend/share
$1.19
EPS
$1.63
Enterprise value
$377.44M
Norwood Financial Corp is a bank holding company, created in 1996, with Wayne Bank as a subsidiary.
Highlights
NWFL's equity is up by 5% year-on-year
The P/E is 62% above the 5-year quarterly average of 11.1 and 32% above the last 4 quarters average of 13.6
The company's net income has shrunk by 52% YoY and by 15% QoQ
Key stats
What are the main financial stats of NWFL
Market
Valuations
Earnings
Shares outstanding
8.09M
Market cap
$236.42M
Enterprise value
$377.44M
Price to earnings (P/E)
17.94
Price to book (P/B)
1.3
Price to sales (P/S)
3.83
EV/EBIT
22.75
EV/EBITDA
20.98
EV/Sales
6.1
Revenue
$61.89M
EBIT
$16.59M
EBITDA
$17.99M
Free cash flow
$24.73M
Per share
Balance sheet
Liquidity
EPS
$1.63
Free cash flow per share
$3.05
Book value per share
$22.5
Revenue per share
$7.64
TBVPS
$272.38
Total assets
$2.24B
Total liabilities
$2.05B
Debt
$210.42M
Equity
$182.19M
Working capital
N/A
Debt to equity
1.15
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
7.84
Margins
Efficiency
Dividend
EBITDA margin
29.1%
Gross margin
100%
Net margin
21.2%
Operating margin
26.8%
Return on assets
0.6%
Return on equity
7.4%
Return on invested capital
0.7%
Return on capital employed
N/A
Return on sales
26.8%
Dividend yield
4.07%
DPS
$1.19
Payout ratio
73%
NWFL stock price
How has the Norwood Financial stock price performed over time
Intraday
-0.71%
1 week
6.13%
1 month
2.24%
1 year
12.38%
YTD
-11.15%
QTD
6.02%
Financial performance
How have Norwood Financial's revenue and profit performed over time
Revenue
$61.89M
Gross profit
$61.89M
Operating income
$16.59M
Net income
$13.12M
Gross margin
100%
Net margin
21.2%
The company's net income has shrunk by 52% YoY and by 15% QoQ
The operating income has dropped by 52% year-on-year and by 15% since the previous quarter
The net margin is down by 41% year-on-year and by 12% since the previous quarter
NWFL's operating margin is down by 41% year-on-year and by 12% since the previous quarter
Growth
What is Norwood Financial's growth rate over time
Valuation
What is Norwood Financial stock price valuation
P/E
17.94
P/B
1.3
P/S
3.83
EV/EBIT
22.75
EV/EBITDA
20.98
EV/Sales
6.1
The P/E is 62% above the 5-year quarterly average of 11.1 and 32% above the last 4 quarters average of 13.6
NWFL's EPS has dropped by 52% year-on-year and by 15% since the previous quarter
NWFL's P/B is 8% above its 5-year quarterly average of 1.2
NWFL's equity is up by 5% year-on-year
NWFL's revenue is down by 19% year-on-year and by 3.7% since the previous quarter
The price to sales (P/S) is 13% more than the last 4 quarters average of 3.4 and 9% more than the 5-year quarterly average of 3.5
Efficiency
How efficient is Norwood Financial business performance
The ROIC has plunged by 56% YoY and by 13% from the previous quarter
The return on equity has dropped by 55% year-on-year and by 16% since the previous quarter
Norwood Financial's ROA has plunged by 54% YoY and by 14% from the previous quarter
NWFL's return on sales is down by 41% year-on-year and by 12% since the previous quarter
Dividends
What is NWFL's dividend history
DPS
$1.19
Dividend yield
4.07%
Payout ratio
73%
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 9% greater than the total liabilities
The total assets rose by 4.4% year-on-year
NWFL's total liabilities is up by 4.3% year-on-year
The debt is 15% greater than the equity
Norwood Financial's debt to equity has decreased by 6% YoY
NWFL's equity is up by 5% year-on-year
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.