Norwood Financial Corp. (NWFL)
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% |
Analyst Forecasts
Analyst Consensus: n/a
Financial Performance
Financial Overview
| Year | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 44.13 | 42.18 | 39.62 | 31.72 | 24.64 | 27.99 | 27.88 | 27.52 | 25.75 | 22.73 |
| Revenue Growth | 4.64% | 6.46% | 24.91% | 28.73% | -11.97% | 0.41% | 1.29% | 6.88% | 13.29% | - |
| Gross Profit | 44.13 | 42.18 | 39.62 | 31.72 | 24.64 | 27.99 | 27.88 | 27.52 | 25.75 | 22.73 |
| Operating Income | 16.82 | 16.20 | 14.75 | 8.60 | 7.54 | 10.26 | 11.17 | 11.44 | 9.94 | 9.98 |
| Net Income | 14.22 | 13.65 | 8.20 | 6.71 | 5.91 | 7.66 | 8.47 | 8.40 | 7.36 | 7.31 |
| Shares Outstanding | 6.30 | 6.27 | 6.23 | 6.19 | 5.53 | 5.47 | 5.44 | 5.41 | 5.43 | 4.56 |
| Earnings Per Share | 2.25 | 2.17 | 1.31 | 1.15 | 1.07 | 1.40 | 1.55 | 1.55 | 1.45 | 1.60 |
| EPS Growth | 3.69% | 65.65% | 13.91% | 7.48% | -23.57% | -9.85% | 0% | 7.33% | -9.56% | - |
| Dividend Per Share | 0.96 | 0.88 | 0.86 | 0.83 | 0.82 | 0.80 | 0.76 | 0.73 | 0.70 | 0.68 |
| Dividend Growth | 9.09% | 2.33% | 3.99% | 0.85% | 2.5% | 4.99% | 4.81% | 3.41% | 3.53% | - |
| Operating Cash Flow | 18.44 | 17.30 | 16.05 | 11.38 | 10.50 | 10.53 | 12.69 | 11.36 | 10.79 | 8.58 |
| Capital Expenditures | -1.38 | -0.87 | -1.12 | -0.51 | -0.29 | -0.19 | -0.39 | 3.00 | 0.61 | -0.08 |
| Free Cash Flow | 17.06 | 16.43 | 14.93 | 10.87 | 10.21 | 10.34 | 12.30 | 14.37 | 11.40 | 8.50 |
| Cash & Equivalents | 15.42 | 18.35 | 16.70 | 17.17 | 10.01 | 12.38 | 7.86 | 12.30 | 21.42 | 16.63 |
| Total Debt | 119 | 105 | 78.48 | 64.81 | 94.36 | 47.90 | 73.68 | 51.18 | 49.46 | 71.31 |
| Net Cash / Debt | -103 | -86.98 | -61.78 | -47.64 | -84.35 | -35.52 | -65.81 | -38.89 | -28.04 | -54.68 |
| Assets | 1,231 | 1,185 | 1,133 | 1,111 | 751 | 712 | 711 | 672 | 669 | 537 |
| Liabilities | 1,093 | 1,062 | 1,017 | 1,000 | 650 | 613 | 619 | 580 | 581 | 469 |
| Book Value | 137 | 122 | 116 | 111 | 101 | 99.04 | 91.86 | 92.42 | 88.06 | 67.70 |
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.