Norwood Financial Corp. (NWFL)

NASDAQ: NWFL · IEX Real-Time Price · USD
27.21
+0.33 (1.23%)
Mar 28, 2024, 4:00 PM EDT - Market closed

Total Valuation

NWFL has a market cap or net worth of $220.68 million. The enterprise value is $352.87 million.

Market Cap 220.68M
Enterprise Value 352.87M

Important Dates

The next estimated earnings date is Friday, April 19, 2024, after market close.

Earnings Date Apr 19, 2024
Ex-Dividend Date Apr 12, 2024

Share Statistics

NWFL has 8.11 million shares outstanding. The number of shares has decreased by -0.83% in one year.

Shares Outstanding 8.11M
Shares Change (YoY) -0.83%
Shares Change (QoQ) n/a
Owned by Insiders (%) 9.53%
Owned by Institutions (%) 28.67%
Float 7.22M

Valuation Ratios

The trailing PE ratio is 13.14.

PE Ratio 13.14
Forward PE n/a
PS Ratio 3.41
Forward PS n/a
PB Ratio 1.22
P/FCF Ratio 7.77
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 15.61, with an EV/FCF ratio of 12.42.

EV / Earnings 21.06
EV / Sales 5.46
EV / EBITDA 15.61
EV / EBIT 16.69
EV / FCF 12.42

Financial Position

Current Ratio n/a
Quick Ratio n/a
Debt / Equity 1.10
Debt / EBITDA 8.77
Debt / FCF 6.98
Interest Coverage n/a

Financial Efficiency

Return on equity (ROE) is 9.60% and return on invested capital (ROIC) is 4.42%.

Return on Equity (ROE) 9.60%
Return on Assets (ROA) 0.80%
Return on Capital (ROIC) 4.42%
Revenue Per Employee $247,674
Profits Per Employee $64,211
Employee Count 261
Asset Turnover 0.03
Inventory Turnover n/a

Taxes

In the past 12 months, NWFL has paid $4.39 million in taxes.

Income Tax 4.39M
Effective Tax Rate 20.75%

Stock Price Statistics

The stock price has decreased by -7.76% in the last 52 weeks. The beta is 0.61, so NWFL's price volatility has been lower than the market average.

Beta (1Y) 0.61
52-Week Price Change -7.76%
50-Day Moving Average 27.25
200-Day Moving Average 28.33
Relative Strength Index (RSI) 51.97
Average Volume (30 Days) 10,654

Short Selling Information

The latest short interest is 73,266, so 0.90% of the outstanding shares have been sold short.

Short Interest 73,266
Short Previous Month 81,374
Short % of Shares Out 0.90%
Short % of Float 1.01%
Short Ratio (days to cover) 8.05

Income Statement

In the last 12 months, NWFL had revenue of $64.64 million and earned $16.76 million in profits. Earnings per share was $2.07.

Revenue 64.64M
Gross Profit 64.64M
Operating Income 21.15M
Pretax Income 21.15M
Net Income 16.76M
EBITDA 22.61M
EBIT 21.15M
Earnings Per Share (EPS) $2.07
Full Income Statement

Balance Sheet

The company has $66.12 million in cash and $198.31 million in debt, giving a net cash position of -$132.19 million or -$16.30 per share.

Cash & Cash Equivalents 66.12M
Total Debt 198.31M
Net Cash -132.19M
Net Cash Per Share -$16.30
Equity / Book Value 181.07M
Book Value Per Share 22.33
Working Capital n/a
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $29.82 million and capital expenditures -$1.41 million, giving a free cash flow of $28.41 million.

Operating Cash Flow 29.82M
Capital Expenditures -1.41M
Free Cash Flow 28.41M
FCF Per Share $3.52
Full Cash Flow Statement

Margins

Gross margin is 100.00%, with operating and profit margins of 32.71% and 25.93%.

Gross Margin 100.00%
Operating Margin 32.71%
Pretax Margin 32.71%
Profit Margin 25.93%
EBITDA Margin 34.97%
EBIT Margin 32.71%
FCF Margin 43.95%

Dividends & Yields

This stock pays an annual dividend of $1.20, which amounts to a dividend yield of 4.41%.

Dividend Per Share $1.20
Dividend Yield 4.41%
Dividend Growth (YoY) 3.51%
Years of Dividend Growth 20
Payout Ratio 57.97%
Buyback Yield 0.83%
Shareholder Yield 5.24%
Earnings Yield 7.59%
FCF Yield 12.88%
Dividend Details

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

Scores

Altman Z-Score n/a
Piotroski F-Score 5