NWFL Norwood Financial Corp
Price (delayed)
$25.22
Market cap
$204.07M
P/E Ratio
15.76
Dividend/share
$1.21
EPS
$1.6
Enterprise value
$318.61M
Norwood Financial Corp is a bank holding company, created in 1996, with Wayne Bank as a subsidiary.
Highlights
NWFL's equity is up by 19% year-on-year and by 7% since the previous quarter
The debt is down by 18% year-on-year and by 6% since the previous quarter
NWFL's EPS is down by 45% year-on-year
The company's net income fell by 45% YoY and by 2.1% QoQ
Key stats
What are the main financial stats of NWFL
Market
Valuations
Earnings
Shares outstanding
8.09M
Market cap
$204.07M
Enterprise value
$318.61M
Price to earnings (P/E)
15.76
Price to book (P/B)
1.04
Price to sales (P/S)
3.27
EV/EBIT
19.61
EV/EBITDA
18.05
EV/Sales
5.11
Revenue
$62.31M
Gross profit
$62.31M
Operating income
$16.25M
Net income
$12.84M
EBIT
$16.25M
EBITDA
$17.65M
Free cash flow
$22.14M
Per share
Balance sheet
Liquidity
EPS
$1.6
EPS diluted
$1.59
Free cash flow per share
$2.74
Book value per share
$24.2
Revenue per share
$7.71
TBVPS
$278.32
Total assets
$2.28B
Total liabilities
$2.08B
Debt
$197.41M
Equity
$195.65M
Working capital
N/A
Debt to equity
1.01
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
6.49
Margins
Efficiency
Dividend
EBITDA margin
28.3%
Gross margin
100%
Net margin
20.6%
Operating margin
26.1%
Return on assets
0.6%
Return on equity
6.9%
Return on invested capital
0.7%
Return on capital employed
N/A
Return on sales
26.1%
Dividend yield
4.8%
DPS
$1.21
Payout ratio
75.6%
NWFL stock price
How has the Norwood Financial stock price performed over time
Intraday
-0.98%
1 week
-2.74%
1 month
-4.61%
1 year
-2.66%
YTD
-7.3%
QTD
-7.3%
Financial performance
How have Norwood Financial's revenue and profit performed over time
Revenue
$62.31M
Gross profit
$62.31M
Operating income
$16.25M
Net income
$12.84M
Gross margin
100%
Net margin
20.6%
The company's net income fell by 45% YoY and by 2.1% QoQ
The operating income has declined by 44% year-on-year and by 2% since the previous quarter
The net margin is down by 37% year-on-year and by 2.8% since the previous quarter
NWFL's operating margin is down by 36% year-on-year and by 2.6% since the previous quarter
Growth
What is Norwood Financial's growth rate over time
Valuation
What is Norwood Financial stock price valuation
P/E
15.76
P/B
1.04
P/S
3.27
EV/EBIT
19.61
EV/EBITDA
18.05
EV/Sales
5.11
NWFL's EPS is down by 45% year-on-year
The P/E is 42% above the 5-year quarterly average of 11.1
NWFL's equity is up by 19% year-on-year and by 7% since the previous quarter
NWFL's P/B is 13% below its 5-year quarterly average of 1.2 and 13% below its last 4 quarters average of 1.2
NWFL's revenue is down by 14% year-on-year
The price to sales (P/S) is 9% less than the last 4 quarters average of 3.6 and 3.8% less than the 5-year quarterly average of 3.4
Efficiency
How efficient is Norwood Financial business performance
The return on equity has dropped by 50% year-on-year and by 7% since the previous quarter
The ROIC has contracted by 46% YoY
Norwood Financial's ROA has decreased by 45% YoY
NWFL's return on sales is down by 36% year-on-year and by 2.6% since the previous quarter
Dividends
What is NWFL's dividend history
DPS
$1.21
Dividend yield
4.8%
Payout ratio
75.6%
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 4.6% year-on-year
NWFL's total liabilities is up by 3.4% year-on-year
Norwood Financial's debt to equity has decreased by 31% YoY and by 12% QoQ
NWFL's equity is up by 19% year-on-year and by 7% since the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.