NORWOOD FINANCIAL CORP (NWFL)

US6695491075 - Common Stock

24.49  -0.19 (-0.77%)

After market: 24.49 0 (0%)

Fundamental Rating

3

NWFL gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 411 industry peers in the Banks industry. Both the profitability and financial health of NWFL have multiple concerns. NWFL does not seem to be growing, but still is valued expensively. NWFL also has an excellent dividend rating.



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3

1. Profitability

1.1 Basic Checks

NWFL had positive earnings in the past year.
In the past year NWFL had a positive cash flow from operations.
In the past 5 years NWFL has always been profitable.
Each year in the past 5 years NWFL had a positive operating cash flow.

1.2 Ratios

NWFL has a Return On Assets of 0.76%. This is comparable to the rest of the industry: NWFL outperforms 45.15% of its industry peers.
NWFL has a Return On Equity (9.25%) which is comparable to the rest of the industry.
Industry RankSector Rank
ROA 0.76%
ROE 9.25%
ROIC N/A
ROA(3y)1.13%
ROA(5y)1.07%
ROE(3y)12.96%
ROE(5y)11.4%
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

Looking at the Profit Margin, with a value of 23.87%, NWFL is in line with its industry, outperforming 52.18% of the companies in the same industry.
NWFL's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for NWFL so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 23.87%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-2.66%
PM growth 5Y-5.14%
GM growth 3YN/A
GM growth 5YN/A

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2

2. Health

2.1 Basic Checks

NWFL does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for NWFL has been reduced compared to 1 year ago.
Compared to 5 years ago, NWFL has more shares outstanding
The debt/assets ratio for NWFL is higher compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of NWFL is 2.61, which is a good value as it means it would take NWFL, 2.61 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 2.61, NWFL is in line with its industry, outperforming 50.97% of the companies in the same industry.
A Debt/Equity ratio of 0.41 indicates that NWFL is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.41, NWFL is not doing good in the industry: 66.99% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.41
Debt/FCF 2.61
Altman-Z N/A
ROIC/WACCN/A
WACC11.64%

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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1

3. Growth

3.1 Past

The earnings per share for NWFL have decreased strongly by -42.18% in the last year.
The Earnings Per Share has been decreasing by -0.94% on average over the past years.
Looking at the last year, NWFL shows a very negative growth in Revenue. The Revenue has decreased by -10.40% in the last year.
Measured over the past years, NWFL shows a quite strong growth in Revenue. The Revenue has been growing by 9.84% on average per year.
EPS 1Y (TTM)-42.18%
EPS 3Y-0.32%
EPS 5Y-0.94%
EPS growth Q2Q-95.4%
Revenue 1Y (TTM)-10.4%
Revenue growth 3Y6.41%
Revenue growth 5Y9.84%
Revenue growth Q2Q-9.1%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

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3

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 11.83, the valuation of NWFL can be described as reasonable.
The rest of the industry has a similar Price/Earnings ratio as NWFL.
Compared to an average S&P500 Price/Earnings ratio of 28.60, NWFL is valued rather cheaply.
Industry RankSector Rank
PE 11.83
Fwd PE N/A

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, NWFL is valued a bit cheaper than the industry average as 74.27% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 6.99
EV/EBITDA N/A

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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7

5. Dividend

5.1 Amount

NWFL has a Yearly Dividend Yield of 4.86%, which is a nice return.
Compared to an average industry Dividend Yield of 3.65, NWFL pays a better dividend. On top of this NWFL pays more dividend than 80.58% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.32, NWFL pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.86%

5.2 History

The dividend of NWFL has a limited annual growth rate of 5.71%.
NWFL has paid a dividend for at least 10 years, which is a reliable track record.
As NWFL did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)5.71%
Div Incr Years9
Div Non Decr Years9

5.3 Sustainability

NWFL pays out 56.20% of its income as dividend. This is a bit on the high side, but may be sustainable.
The Dividend Rate of NWFL has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
DP56.2%
EPS Next 2YN/A
EPS Next 3YN/A

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NORWOOD FINANCIAL CORP

NASDAQ:NWFL (5/17/2024, 7:17:06 PM)

After market: 24.49 0 (0%)

24.49

-0.19 (-0.77%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap198.61M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 4.86%
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 11.83
Fwd PE N/A
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.76%
ROE 9.25%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 23.87%
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.41
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-42.18%
EPS 3Y-0.32%
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-10.4%
Revenue growth 3Y6.41%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y