Norwood Financial Corp. (NWFL)

Norwood Financial Statistics

Total Valuation

NWFL has a market cap or net worth of $246.29 million. The enterprise value is $289.84 million.

Market Cap	246.29M
Enterprise Value	289.84M

Important Dates

The last earnings date was Thursday, April 17, 2025, before market open.

Earnings Date	Apr 17, 2025
Ex-Dividend Date	Apr 15, 2025

Share Statistics

NWFL has 9.21 million shares outstanding. The number of shares has increased by 3.92% in one year.

Current Share Class	9.21M
Shares Outstanding	9.21M
Shares Change (YoY)	+3.92%
Shares Change (QoQ)	+12.19%
Owned by Insiders (%)	8.39%
Owned by Institutions (%)	34.09%
Float	8.43M

Valuation Ratios

The trailing PE ratio is 190.27 and the forward PE ratio is 10.02.

PE Ratio	190.27
Forward PE	10.02
PS Ratio	4.46
Forward PS	2.79
PB Ratio	1.12
P/TBV Ratio	1.29
P/FCF Ratio	10.21
P/OCF Ratio	8.92
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	245.63
EV / Sales	5.75
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	12.00

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	4.95
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 0.59%.

Return on Equity (ROE)	0.59%
Return on Assets (ROA)	0.05%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$185,897
Profits Per Employee	$4,354
Employee Count	271
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, NWFL has paid $241,000 in taxes.

Income Tax	241,000
Effective Tax Rate	16.96%

Stock Price Statistics

The stock price has increased by +13.37% 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	+13.37%
50-Day Moving Average	24.50
200-Day Moving Average	26.83
Relative Strength Index (RSI)	64.62
Average Volume (20 Days)	30,468

Short Selling Information

The latest short interest is 65,044, so 0.71% of the outstanding shares have been sold short.

Short Interest	65,044
Short Previous Month	122,135
Short % of Shares Out	0.71%
Short % of Float	0.77%
Short Ratio (days to cover)	2.11

Income Statement

In the last 12 months, NWFL had revenue of $50.38 million and earned $1.18 million in profits. Earnings per share was $0.14.

Revenue	50.38M
Gross Profit	50.38M
Operating Income	2.91M
Pretax Income	16.59M
Net Income	1.18M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$0.14

Balance Sheet

The company has $76.42 million in cash and $119.60 million in debt, giving a net cash position of -$43.18 million or -$4.69 per share.

Cash & Cash Equivalents	76.42M
Total Debt	119.60M
Net Cash	-43.18M
Net Cash Per Share	-$4.69
Equity (Book Value)	220.71M
Book Value Per Share	23.97
Working Capital	-1.99B

Cash Flow

In the last 12 months, operating cash flow was $27.65 million and capital expenditures -$3.51 million, giving a free cash flow of $24.15 million.

Operating Cash Flow	27.65M
Capital Expenditures	-3.51M
Free Cash Flow	24.15M
FCF Per Share	$2.62

Margins

Gross Margin	n/a
Operating Margin	5.78%
Pretax Margin	2.82%
Profit Margin	2.34%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	47.94%

Dividends & Yields

This stock pays an annual dividend of $1.24, which amounts to a dividend yield of 4.63%.

Dividend Per Share	$1.24
Dividend Yield	4.63%
Dividend Growth (YoY)	3.39%
Years of Dividend Growth	10
Payout Ratio	880.69%
Buyback Yield	-3.92%
Shareholder Yield	0.71%
Earnings Yield	0.48%
FCF Yield	9.79%

Analyst Forecast

The average price target for NWFL is $28.17, which is 5.31% higher than the current price. The consensus rating is "Buy".

Price Target	$28.17
Price Target Difference	5.31%
Analyst Consensus	Buy
Analyst Count	3
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