Norwood Financial Corp. (NWFL)

Norwood Financial Statistics

Total Valuation

NWFL has a market cap or net worth of $212.85 million. The enterprise value is $330.12 million.

Market Cap	212.85M
Enterprise Value	330.12M

Important Dates

The next estimated earnings date is Monday, January 27, 2025, before market open.

Earnings Date	Jan 27, 2025
Ex-Dividend Date	Jan 15, 2025

Share Statistics

NWFL has 8.05 million shares outstanding. The number of shares has decreased by -0.50% in one year.

Current Share Class	8.05M
Shares Outstanding	8.05M
Shares Change (YoY)	-0.50%
Shares Change (QoQ)	+0.05%
Owned by Insiders (%)	10.30%
Owned by Institutions (%)	24.81%
Float	7.14M

Valuation Ratios

The trailing PE ratio is 16.63 and the forward PE ratio is 10.97.

PE Ratio	16.63
Forward PE	10.97
PS Ratio	3.39
Forward PS	n/a
PB Ratio	1.08
P/TBV Ratio	1.30
P/FCF Ratio	9.74
P/OCF Ratio	8.72
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	25.70
EV / Sales	5.30
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	14.91

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	8.96
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 7.13%.

Return on Equity (ROE)	7.13%
Return on Assets (ROA)	0.58%
Return on Capital (ROIC)	n/a
Revenue Per Employee	$235,113
Profits Per Employee	$48,472
Employee Count	265
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, NWFL has paid $3.41 million in taxes.

Income Tax	3.41M
Effective Tax Rate	20.96%

Stock Price Statistics

The stock price has decreased by -7.46% in the last 52 weeks. The beta is 0.61, so NWFL's price volatility has been lower than the market average.

Beta (5Y)	0.61
52-Week Price Change	-7.46%
50-Day Moving Average	28.96
200-Day Moving Average	26.87
Relative Strength Index (RSI)	46.62
Average Volume (20 Days)	14,982

Short Selling Information

The latest short interest is 39,245, so 0.49% of the outstanding shares have been sold short.

Short Interest	39,245
Short Previous Month	33,362
Short % of Shares Out	0.49%
Short % of Float	0.55%
Short Ratio (days to cover)	4.17

Income Statement

In the last 12 months, NWFL had revenue of $62.31 million and earned $12.85 million in profits. Earnings per share was $1.59.

Revenue	62.31M
Gross Profit	62.31M
Operating Income	17.68M
Pretax Income	16.59M
Net Income	12.85M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.59

Balance Sheet

The company has $83.85 million in cash and $198.38 million in debt, giving a net cash position of -$114.53 million or -$14.23 per share.

Cash & Cash Equivalents	83.85M
Total Debt	198.38M
Net Cash	-114.53M
Net Cash Per Share	-$14.23
Equity (Book Value)	195.65M
Book Value Per Share	24.31
Working Capital	-1.91B

Cash Flow

In the last 12 months, operating cash flow was $24.72 million and capital expenditures -$2.58 million, giving a free cash flow of $22.14 million.

Operating Cash Flow	24.72M
Capital Expenditures	-2.58M
Free Cash Flow	22.14M
FCF Per Share	$2.75

Margins

Gross Margin	n/a
Operating Margin	28.38%
Pretax Margin	26.08%
Profit Margin	20.62%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	35.53%

Dividends & Yields

This stock pays an annual dividend of $1.21, which amounts to a dividend yield of 4.58%.

Dividend Per Share	$1.21
Dividend Yield	4.58%
Dividend Growth (YoY)	3.42%
Years of Dividend Growth	21
Payout Ratio	76.12%
Buyback Yield	0.50%
Shareholder Yield	5.11%
Earnings Yield	5.96%
FCF Yield	10.27%

Analyst Forecast

The average price target for NWFL is $29.50, which is 11.57% higher than the current price. The consensus rating is "Buy".

Price Target	$29.50
Price Target Difference	11.57%
Analyst Consensus	Buy
Analyst Count	2
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Splits

The last stock split was on September 18, 2017. It was a forward split with a ratio of 1.5:1.

Last Split Date	Sep 18, 2017
Split Type	Forward
Split Ratio	1.5:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	4