NWFL Norwood Financial Corp
Price (delayed)
$23.82
Market cap
$220.63M
P/E Ratio
N/A
Dividend/share
$1.22
EPS
-$0.02
Enterprise value
$363.16M
Norwood Financial Corp is a bank holding company, created in 1996, with Wayne Bank as a subsidiary.
Highlights
NWFL's equity is up by 18% year-on-year and by 9% since the previous quarter
NWFL's EPS has dropped by 101% since the previous quarter and by 101% year-on-year
The company's net income has shrunk by 101% QoQ and by 101% YoY
Key stats
What are the main financial stats of NWFL
Market
Valuations
Earnings
Shares outstanding
9.26M
Market cap
$220.63M
Enterprise value
$363.16M
Price to earnings (P/E)
N/A
Price to book (P/B)
0.9
Price to sales (P/S)
3.99
EV/EBIT
N/A
EV/EBITDA
324.54
EV/Sales
7.51
Revenue
$48.37M
Gross profit
$48.37M
Operating income
-$258,000
Net income
-$160,000
EBIT
-$258,000
EBITDA
$1.12M
Free cash flow
$19.68M
Per share
Balance sheet
Liquidity
EPS
-$0.02
EPS diluted
-$0.02
Free cash flow per share
$2.43
Book value per share
$26.39
Revenue per share
$5.98
TBVPS
$282.76
Total assets
$2.32B
Total liabilities
$2.1B
Debt
$214.86M
Equity
$213.51M
Working capital
N/A
Debt to equity
1.01
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
127.37
Margins
Efficiency
Dividend
EBITDA margin
2.3%
Gross margin
100%
Net margin
-0.3%
Operating margin
-0.5%
Return on assets
0%
Return on equity
-0.1%
Return on invested capital
0%
Return on capital employed
N/A
Return on sales
-0.5%
Dividend yield
5.12%
DPS
$1.22
Payout ratio
N/A
NWFL stock price
How has the Norwood Financial stock price performed over time
Intraday
3.52%
1 week
6.15%
1 month
-4.72%
1 year
-1.93%
YTD
-12.44%
QTD
-1.45%
Financial performance
How have Norwood Financial's revenue and profit performed over time
Revenue
$48.37M
Gross profit
$48.37M
Operating income
-$258,000
Net income
-$160,000
Gross margin
100%
Net margin
-0.3%
NWFL's operating margin has dropped by 102% since the previous quarter and by 102% year-on-year
The operating income has dropped by 102% since the previous quarter and by 101% year-on-year
The net margin has dropped by 101% since the previous quarter and by 101% year-on-year
The company's net income has shrunk by 101% QoQ and by 101% YoY
Growth
What is Norwood Financial's growth rate over time
Valuation
What is Norwood Financial stock price valuation
P/E
N/A
P/B
0.9
P/S
3.99
EV/EBIT
N/A
EV/EBITDA
324.54
EV/Sales
7.51
NWFL's EPS has dropped by 101% since the previous quarter and by 101% year-on-year
NWFL's P/B is 25% below its 5-year quarterly average of 1.2 and 18% below its last 4 quarters average of 1.1
NWFL's equity is up by 18% year-on-year and by 9% since the previous quarter
NWFL's revenue is down by 25% year-on-year and by 22% since the previous quarter
The price to sales (P/S) is 17% more than the 5-year quarterly average of 3.4 and 8% more than the last 4 quarters average of 3.7
Efficiency
How efficient is Norwood Financial business performance
NWFL's return on sales has dropped by 102% since the previous quarter and by 102% year-on-year
The return on equity has dropped by 101% since the previous quarter and by 101% year-on-year
Norwood Financial's ROA has plunged by 100% from the previous quarter and by 100% YoY
The ROIC has plunged by 100% from the previous quarter and by 100% YoY
Dividends
What is NWFL's dividend history
DPS
$1.22
Dividend yield
5.12%
Payout ratio
N/A
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 10% greater than the total liabilities
The total assets rose by 5% year-on-year
NWFL's total liabilities is up by 4.2% year-on-year
NWFL's equity is up by 18% year-on-year and by 9% since the previous quarter
The debt is up by 9% since the previous quarter and by 8% year-on-year
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.