Norwood Financial Statistics
Total Valuation
NWFL has a market cap or net worth of $230.51 million. The enterprise value is $290.38 million.
Important Dates
The last earnings date was Tuesday, July 22, 2025, before market open.
| Earnings Date | Jul 22, 2025 |
| Ex-Dividend Date | Jul 15, 2025 |
Share Statistics
NWFL has 9.21 million shares outstanding. The number of shares has increased by 7.59% in one year.
| Current Share Class | 9.21M |
| Shares Outstanding | 9.21M |
| Shares Change (YoY) | +7.59% |
| Shares Change (QoQ) | -0.07% |
| Owned by Insiders (%) | 8.61% |
| Owned by Institutions (%) | 34.61% |
| Float | 8.42M |
Valuation Ratios
The trailing PE ratio is 68.41 and the forward PE ratio is 8.86.
| PE Ratio | 68.41 |
| Forward PE | 8.86 |
| PS Ratio | 4.06 |
| Forward PS | 2.57 |
| PB Ratio | 1.03 |
| P/TBV Ratio | 1.18 |
| P/FCF Ratio | 11.21 |
| P/OCF Ratio | 9.15 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 91.54 |
| EV / Sales | 5.38 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 14.06 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 5.46 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 1.56%.
| Return on Equity (ROE) | 1.56% |
| Return on Assets (ROA) | 0.14% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $199,107 |
| Profits Per Employee | $11,705 |
| Employee Count | 271 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, NWFL has paid $741,000 in taxes.
| Income Tax | 741,000 |
| Effective Tax Rate | 18.94% |
Stock Price Statistics
The stock price has increased by +1.57% in the last 52 weeks. The beta is 0.69, so NWFL's price volatility has been lower than the market average.
| Beta (5Y) | 0.69 |
| 52-Week Price Change | +1.57% |
| 50-Day Moving Average | 25.11 |
| 200-Day Moving Average | 26.24 |
| Relative Strength Index (RSI) | 54.01 |
| Average Volume (20 Days) | 17,594 |
Short Selling Information
The latest short interest is 145,377, so 1.58% of the outstanding shares have been sold short.
| Short Interest | 145,377 |
| Short Previous Month | 150,745 |
| Short % of Shares Out | 1.58% |
| Short % of Float | 1.73% |
| Short Ratio (days to cover) | 6.15 |
Income Statement
In the last 12 months, NWFL had revenue of $53.96 million and earned $3.17 million in profits. Earnings per share was $0.37.
| Revenue | 53.96M |
| Gross Profit | 53.96M |
| Operating Income | 5.57M |
| Pretax Income | 16.59M |
| Net Income | 3.17M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $0.37 |
Full Income StatementBalance Sheet
The company has $53.92 million in cash and $112.73 million in debt, giving a net cash position of -$58.81 million or -$6.39 per share.
| Cash & Cash Equivalents | 53.92M |
| Total Debt | 112.73M |
| Net Cash | -58.81M |
| Net Cash Per Share | -$6.39 |
| Equity (Book Value) | 225.43M |
| Book Value Per Share | 24.48 |
| Working Capital | -2.02B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $25.30 million and capital expenditures -$4.65 million, giving a free cash flow of $20.66 million.
| Operating Cash Flow | 25.30M |
| Capital Expenditures | -4.65M |
| Free Cash Flow | 20.66M |
| FCF Per Share | $2.24 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 10.32% |
| Pretax Margin | 7.25% |
| Profit Margin | 5.88% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 38.28% |
Dividends & Yields
This stock pays an annual dividend of $1.24, which amounts to a dividend yield of 4.95%.
| Dividend Per Share | $1.24 |
| Dividend Yield | 4.95% |
| Dividend Growth (YoY) | 3.36% |
| Years of Dividend Growth | 27 |
| Payout Ratio | 336.20% |
| Buyback Yield | -7.59% |
| Shareholder Yield | -2.66% |
| Earnings Yield | 1.37% |
| FCF Yield | 8.92% |
Dividend DetailsAnalyst Forecast
The average price target for NWFL is $28.50, which is 13.86% higher than the current price. The consensus rating is "Buy".
| Price Target | $28.50 |
| Price Target Difference | 13.86% |
| Analyst Consensus | Buy |
| Analyst Count | 3 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside | |
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 |