Norwood Financial Corp. (NWFL)

NASDAQ: NWFL · IEX Real-Time Price · USD
+0.12 (0.50%)
May 31, 2023, 4:00 PM EDT - Market closed

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
Financial Ratio History

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


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
EBIT 34.67M
Earnings Per Share (EPS) $3.42
Full Income Statement

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
Full Balance Sheet

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
Full Cash Flow Statement


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%
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 Forecasts

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