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Norwood Financial Corp. (NWFL)

Stock Price: $22.88 USD -0.42 (-1.80%)
Updated Oct 30, 2020 4:00 PM EDT - Market closed

Stock Price Chart

Key Info

Market Cap 187.55M
Revenue (ttm) 43.38M
Net Income (ttm) 12.07M
Shares Out 8.20M
EPS (ttm) 1.95
PE Ratio 11.73
Forward PE n/a
Dividend $1.00
Dividend Yield 4.37%

Stock Quote

Trading Day Oct 30, 2020
Last Price $22.88
Previous Close $23.30
Change ($) -0.42
Change (%) -1.80%
Day's Open 23.15
Day's Range 22.85 - 24.02
Day's Volume 21,908
52-Week Range 21.20 - 39.69

More Stats

Market Cap 187.55M
Enterprise Value 210.20M
Earnings Date (est) n/a
Ex-Dividend Date Oct 14, 2020
Shares Outstanding 8.20M
Float 7.41M
EPS (basic) 1.92
EPS (diluted) 1.95
FCF / Share 1.29
Dividend $1.00
Dividend Yield 4.37%
Earnings Yield 8.52%
FCF Yield 4.34%
Payout Ratio 51.00%
Shares Short 70,128
Short Ratio 8.51
Short % of Float 0.95%
Beta 0.40
PE Ratio 11.73
Forward PE n/a
P/FCF Ratio 23.04
PS Ratio 4.32
PB Ratio 1.00
Revenue 43.38M
Operating Income 14.35M
Net Income 12.07M
Free Cash Flow 8.14M
Net Cash -22.65M
Net Cash / Share -2.76
Gross Margin 92.99%
Operating Margin 33.08%
Profit Margin 27.80%
FCF Margin 18.76%
ROA 0.86%
ROE 8.09%
ROIC 1.10%
Stats based on trailing-twelve-month (ttm) numbers.

Analyst Forecasts

Analyst Ratings (0)

Buy 0
Overweight 0
Hold 0
Underweight 0
Sell 0

Analyst Consensus: n/a

Price Target

$20.00*
Low
20.0
Current: $22.88
High
20.0
Target: 20.00
*Average 12-month price target from 1 stock analysts.

Financial Performance

Financial numbers in millions USD.

Financial Overview

Year2019201820172016201520142013201220112010
Revenue44.1342.1839.6231.7224.6427.9927.8827.5225.7522.73
Revenue Growth4.64%6.46%24.91%28.73%-11.97%0.41%1.29%6.88%13.29%-
Gross Profit44.1342.1839.6231.7224.6427.9927.8827.5225.7522.73
Operating Income16.8216.2014.758.607.5410.2611.1711.449.949.98
Net Income14.2213.658.206.715.917.668.478.407.367.31
Shares Outstanding6.306.276.236.195.535.475.445.415.434.56
Earnings Per Share2.252.171.311.151.071.401.551.551.451.60
EPS Growth3.69%65.65%13.91%7.48%-23.57%-9.85%0%7.33%-9.56%-
Dividend Per Share0.960.880.860.830.820.800.760.730.700.68
Dividend Growth9.09%2.33%3.99%0.85%2.5%4.99%4.81%3.41%3.53%-
Operating Cash Flow18.4417.3016.0511.3810.5010.5312.6911.3610.798.58
Capital Expenditures-1.38-0.87-1.12-0.51-0.29-0.19-0.393.000.61-0.08
Free Cash Flow17.0616.4314.9310.8710.2110.3412.3014.3711.408.50
Cash & Equivalents15.4218.3516.7017.1710.0112.387.8612.3021.4216.63
Total Debt11910578.4864.8194.3647.9073.6851.1849.4671.31
Net Cash / Debt-103-86.98-61.78-47.64-84.35-35.52-65.81-38.89-28.04-54.68
Assets1,2311,1851,1331,111751712711672669537
Liabilities1,0931,0621,0171,000650613619580581469
Book Value13712211611110199.0491.8692.4288.0667.70
Numbers in millions USD, except per-share numbers.

Company Profile

Company Details

Full Name Norwood Financial Corp.
Country United States
Employees 213
CEO Lewis J. Critelli

Stock Information

Ticker Symbol NWFL
Stock Exchange NASDAQ
Sector Financial Services
Industry Banks—Regional
Unique Identifier NASDAQ: NWFL
IPO Date March 2, 1998

Description

Norwood Financial operates as the bank holding company for Wayne Bank that provides various banking products and services. The company accepts a range of deposit products, including interest-bearing and non-interest bearing transaction accounts, and statement savings and money market accounts, as well as certificate of deposits. It also provides various loans, such as commercial loans comprising lines of credit, revolving credit, term loans, mortgages, secured lending products, and letter of credit facilities; municipal finance lending; construction loans for commercial construction projects and single-family residences; land loans; consumer loans; mortgage lending to finance principal residences and second home dwellings; and indirect dealer financing of new and used automobiles, boats, and recreational vehicles. In addition, the company offers investment securities services; trust and investment products; and cash management, direct deposit, remote deposit capture, mobile deposit capture, mobile payment, automated clearing house activity, real estate settlement, and Internet and mobile banking services. Further, it is involved in the annuity and mutual fund sale, and discount brokerage activities, as well as insurance agency business. The company serves consumers, businesses, nonprofit organizations, and municipalities. It operates 27 offices in Northeastern Pennsylvania and the Southern Tier of New York, including 5 offices in Wayne County, 2 offices in Pike County, 4 offices in Monroe County, 2 offices in Lackawanna County, and 2 offices in Luzerne County, Pennsylvania, as well as 28 automated teller machines. The company was founded in 1870 and is headquartered in Honesdale, Pennsylvania.