Norwood Financial Corp. (NWFL)
Total Valuation
NWFL has a market cap or net worth of $195.71 million. The enterprise value is $315.44 million.
| Market Cap | 195.71M |
| Enterprise Value | 315.44M |
Important Dates
The next estimated earnings date is Friday, July 21, 2023, before market open.
| Earnings Date | Jul 21, 2023 |
| Ex-Dividend Date | Apr 13, 2023 |
Share Statistics
NWFL has 8.11 million shares outstanding. The number of shares has decreased by -0.27% in one year.
| Shares Outstanding | 8.11M |
| Shares Change (YoY) | -0.27% |
| Shares Change (QoQ) | +0.54% |
| Owned by Insiders (%) | 9.12% |
| Owned by Institutions (%) | 20.40% |
| Float | 7.19M |
Valuation Ratios
The trailing PE ratio is 7.05.
| PE Ratio | 7.05 |
| Forward PE | n/a |
| PS Ratio | 2.58 |
| Forward PS | n/a |
| PB Ratio | 1.11 |
| P/FCF Ratio | 6.68 |
| PEG Ratio | n/a |
Enterprise Valuation
The stock's EV/EBITDA ratio is 8.71, with an EV/FCF ratio of 10.76.
| EV / Earnings | 11.31 |
| EV / Sales | 4.15 |
| EV / EBITDA | 8.71 |
| EV / EBIT | 9.10 |
| EV / FCF | 10.76 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | 0.84 |
| Debt / EBITDA | 4.11 |
| Debt / FCF | 5.07 |
Financial Efficiency
Return on equity (ROE) is 16.50% and return on invested capital (ROIC) is 1.70%.
| Return on Equity (ROE) | 16.50% |
| Return on Assets (ROA) | 1.40% |
| Return on Capital (ROIC) | 1.70% |
| Revenue Per Employee | $277,354 |
| Profits Per Employee | $101,774 |
| Employee Count | 274 |
| Asset Turnover | 0.04 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, NWFL has paid $6.79 million in taxes.
| Income Tax | 6.79M |
| Effective Tax Rate | 19.57% |
Stock Price Statistics
The stock price has decreased by -8.25% in the last 52 weeks. The beta is 0.42, so NWFL's price volatility has been lower than the market average.
| Beta (1Y) | 0.42 |
| 52-Week Price Change | -8.25% |
| 50-Day Moving Average | 26.98 |
| 200-Day Moving Average | 29.62 |
| Average Volume (30 Days) | 17,949 |
Short Selling Information
The latest short interest is 40,922, so 0.50% of the outstanding shares have been sold short.
| Short Interest | 40,922 |
| Short Previous Month | 27,101 |
| Short % of Shares Out | 0.50% |
| Short % of Float | 0.57% |
| Short Ratio (days to cover) | 2.23 |
Income Statement
In the last 12 months, NWFL had revenue of $76.00 million and earned $27.89 million in profits. Earnings per share was $3.42.
| Revenue | 76.00M |
| Gross Profit | 76.00M |
| Operating Income | 34.67M |
| Pretax Income | 34.67M |
| Net Income | 27.89M |
| EBITDA | 36.22M |
| EBIT | 34.67M |
| Earnings Per Share (EPS) | $3.42 |
Balance Sheet
The company has $29.02 million in cash and $148.74 million in debt, giving a net cash position of -$119.73 million or -$14.76 per share.
| Cash & Cash Equivalents | 29.02M |
| Total Debt | 148.74M |
| Net Cash | -119.73M |
| Net Cash Per Share | -$14.76 |
| Equity / Book Value | 176.42M |
| Book Value Per Share | 21.74 |
| Working Capital | n/a |
Cash Flow
In the last 12 months, operating cash flow was $31.45 million and capital expenditures -$2.14 million, giving a free cash flow of $29.31 million.
| Operating Cash Flow | 31.45M |
| Capital Expenditures | -2.14M |
| Free Cash Flow | 29.31M |
| FCF Per Share | $3.58 |
Margins
Gross margin is 100.00%, with operating and profit margins of 45.62% and 36.69%.
| Gross Margin | 100.00% |
| Operating Margin | 45.62% |
| Pretax Margin | 45.62% |
| Profit Margin | 36.69% |
| EBITDA Margin | 47.66% |
| EBIT Margin | 45.62% |
| FCF Margin | 38.57% |
Dividends & Yields
This stock pays an annual dividend of $1.16, which amounts to a dividend yield of 4.81%.
| Dividend Per Share | $1.16 |
| Dividend Yield | 4.81% |
| Earnings Yield | 14.25% |
| FCF Yield | 14.98% |
| Dividend Growth (YoY) | 5.56% |
| Payout Ratio | 33.92% |
| Buyback Yield | 0.27% |
| Shareholder Yield | 5.08% |
Analyst Forecast
| Price Target | n/a |
| Price Target Difference | n/a |
| Analyst Consensus | n/a |
| Analyst Count | n/a |
| 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 3:2.
| Last Split Date | Sep 18, 2017 |
| Split Type | Forward |
| Split Ratio | 3:2 |