NWFL Norwood Financial Corp

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

Price (delayed)

$24.19

Market cap

$196.18M

P/E Ratio

11.63

Dividend/share

$1.18

EPS

$2.08

Enterprise value

$328.38M

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

Highlights
NWFL's equity is up by 10% since the previous quarter and by 8% year-on-year
The debt is up by 49% year-on-year but it is down by 18% since the previous quarter
The company's net income fell by 43% YoY and by 29% QoQ
NWFL's EPS is down by 42% year-on-year and by 29% since the previous quarter
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
Market
Shares outstanding
8.11M
Market cap
$196.18M
Enterprise value
$328.38M
Valuations
Price to earnings (P/E)
11.63
Price to book (P/B)
1.08
Price to sales (P/S)
3.02
EV/EBIT
15.53
EV/EBITDA
14.53
EV/Sales
5.08
Earnings
Revenue
$64.64M
EBIT
$21.15M
EBITDA
$22.61M
Free cash flow
$28.41M
Per share
EPS
$2.08
Free cash flow per share
$3.52
Book value per share
$22.44
Revenue per share
$8.01
TBVPS
$269.12
Balance sheet
Total assets
$2.2B
Total liabilities
$2.02B
Debt
$198.31M
Equity
$181.07M
Working capital
N/A
Liquidity
Debt to equity
1.1
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
5.85
Margins
EBITDA margin
35%
Gross margin
100%
Net margin
25.9%
Operating margin
32.7%
Efficiency
Return on assets
0.8%
Return on equity
9.6%
Return on invested capital
0.9%
Return on capital employed
N/A
Return on sales
32.7%
Dividend
Dividend yield
4.88%
DPS
$1.18
Payout ratio
56.7%

NWFL stock price

How has the Norwood Financial stock price performed over time
Intraday
-0.08%
1 week
2.72%
1 month
-9.47%
1 year
-4.65%
YTD
-26.5%
QTD
-11.1%

Financial performance

How have Norwood Financial's revenue and profit performed over time
Revenue
$64.64M
Gross profit
$64.64M
Operating income
$21.15M
Net income
$16.76M
Gross margin
100%
Net margin
25.9%
The company's net income fell by 43% YoY and by 29% QoQ
The operating income has declined by 42% year-on-year and by 28% since the previous quarter
The net margin is down by 31% year-on-year and by 21% since the previous quarter
NWFL's operating margin is down by 30% year-on-year and by 19% since the previous quarter

Growth

What is Norwood Financial's growth rate over time

Valuation

What is Norwood Financial stock price valuation
P/E
11.63
P/B
1.08
P/S
3.02
EV/EBIT
15.53
EV/EBITDA
14.53
EV/Sales
5.08
NWFL's EPS is down by 42% year-on-year and by 29% since the previous quarter
The P/E is 11% above the last 4 quarters average of 10.5 and 4.9% above the 5-year quarterly average of 11.1
NWFL's P/B is 23% below its last 4 quarters average of 1.4 and 17% below its 5-year quarterly average of 1.3
NWFL's equity is up by 10% since the previous quarter and by 8% year-on-year
The price to sales (P/S) is 18% less than the 5-year quarterly average of 3.7 and 8% less than the last 4 quarters average of 3.3
NWFL's revenue is down by 17% year-on-year and by 10% since the previous quarter

Efficiency

How efficient is Norwood Financial business performance
The ROIC has plunged by 50% YoY and by 31% from the previous quarter
The return on equity has declined by 44% year-on-year and by 30% since the previous quarter
Norwood Financial's ROA has decreased by 43% YoY and by 27% from the previous quarter
NWFL's return on sales is down by 30% year-on-year and by 19% since the previous quarter

Dividends

What is NWFL's dividend history
Dividend details
DPS
$1.18
Dividend yield
4.88%
Payout ratio
56.7%
Recent dividends

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 8% year-on-year
NWFL's total liabilities is up by 7% year-on-year
The debt is 10% greater than the equity
The debt is up by 49% year-on-year but it is down by 18% since the previous quarter
Norwood Financial's debt to equity has increased by 38% YoY but it has decreased by 25% QoQ

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