28.66 USD
+0.21 (+0.74%)
28.66 USD
0 (0%)
Overall NWFL gets a fundamental rating of 4 out of 10. We evaluated NWFL against 387 industry peers in the Banks industry. NWFL scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. NWFL is not valued too expensively and it also shows a decent growth rate. NWFL also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
NWFL had positive earnings in the past year.
NWFL had a positive operating cash flow in the past year.
Of the past 5 years NWFL 4 years were profitable.
Each year in the past 5 years NWFL had a positive operating cash flow.
1.2 Ratios
NWFL has a worse Return On Assets (0.30%) than 86.05% of its industry peers.
With a Return On Equity value of 3.11%, NWFL is not doing good in the industry: 86.30% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.3% | ||
| ROE | 3.11% | ||
| ROIC | N/A |
ROA(3y)0.73%
ROA(5y)0.84%
ROE(3y)8.89%
ROE(5y)9.31%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of NWFL (11.52%) is worse than 82.43% of its industry peers.
The Operating Margin and Gross Margin are not available for NWFL so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 11.52% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
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 increased compared to 1 year ago.
Compared to 5 years ago, NWFL has more shares outstanding
The debt/assets ratio for NWFL has been reduced compared to a year ago.
2.2 Solvency
NWFL has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.4%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
NWFL shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -61.50%.
Looking at the last year, NWFL shows a decrease in Revenue. The Revenue has decreased by -8.69% in the last year.
The Revenue has been growing slightly by 2.37% on average over the past years.
EPS 1Y (TTM)-61.5%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%86.35%
Revenue 1Y (TTM)-8.69%
Revenue growth 3Y-11.51%
Revenue growth 5Y2.37%
Sales Q2Q%15%
3.2 Future
Based on estimates for the next years, NWFL will show a very strong growth in Earnings Per Share. The EPS will grow by 24.46% on average per year.
NWFL is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 24.45% yearly.
EPS Next Y37.71%
EPS Next 2Y24.46%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year20.57%
Revenue Next 2Y24.45%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
NWFL is valuated reasonably with a Price/Earnings ratio of 11.15.
Compared to the rest of the industry, the Price/Earnings ratio of NWFL indicates a somewhat cheap valuation: NWFL is cheaper than 63.05% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of NWFL to the average of the S&P500 Index (26.15), we can say NWFL is valued rather cheaply.
NWFL is valuated reasonably with a Price/Forward Earnings ratio of 8.64.
Based on the Price/Forward Earnings ratio, NWFL is valued a bit cheaper than 77.00% of the companies in the same industry.
NWFL is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.12, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.15 | ||
| Fwd PE | 8.64 |
4.2 Price Multiples
61.50% of the companies in the same industry are more expensive than NWFL, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.58 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
NWFL's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
NWFL's earnings are expected to grow with 24.46% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.3
PEG (5Y)N/A
EPS Next 2Y24.46%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.60%, NWFL is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.33, NWFL pays a better dividend. On top of this NWFL pays more dividend than 85.79% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.41, NWFL pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.6% |
5.2 History
The dividend of NWFL has a limited annual growth rate of 3.13%.
NWFL has been paying a dividend for at least 10 years, so it has a reliable track record.
NWFL has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)3.13%
Div Incr Years23
Div Non Decr Years23
5.3 Sustainability
NWFL pays out 151.09% of its income as dividend. This is not a sustainable payout ratio.
NWFL's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP151.09%
EPS Next 2Y24.46%
EPS Next 3YN/A
28.66
+0.21 (+0.74%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners38.03%
Inst Owner Change9.23%
Ins Owners8.14%
Ins Owner Change0.99%
Market Cap265.39M
Revenue(TTM)63.45M
Net Income(TTM)7.31M
Analysts82.5
Price Target27.54 (-3.91%)
Short Float %5.17%
Short Ratio18.27
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.6% |
Yearly Dividend1.12
Dividend Growth(5Y)3.13%
DP151.09%
Div Incr Years23
Div Non Decr Years23
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)12.58%
Min EPS beat(2)-0.02%
Max EPS beat(2)25.19%
EPS beat(4)2
Avg EPS beat(4)-0.6%
Min EPS beat(4)-32.26%
Max EPS beat(4)25.19%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-4.26%
Min Revenue beat(2)-6.17%
Max Revenue beat(2)-2.36%
Revenue beat(4)0
Avg Revenue beat(4)-21.16%
Min Revenue beat(4)-66.46%
Max Revenue beat(4)-2.36%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)2.86%
PT rev (3m)2.86%
EPS NQ rev (1m)24.67%
EPS NQ rev (3m)24.67%
EPS NY rev (1m)8.15%
EPS NY rev (3m)8.15%
Revenue NQ rev (1m)6.82%
Revenue NQ rev (3m)6.82%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.15 | ||
| Fwd PE | 8.64 | ||
| P/S | 4.18 | ||
| P/FCF | 10.58 | ||
| P/OCF | 8.79 | ||
| P/B | 1.13 | ||
| P/tB | 1.29 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.57
EY8.97%
EPS(NY)3.32
Fwd EY11.58%
FCF(TTM)2.71
FCFY9.45%
OCF(TTM)3.26
OCFY11.38%
SpS6.85
BVpS25.37
TBVpS22.2
PEG (NY)0.3
PEG (5Y)N/A
Graham Number38.3
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.3% | ||
| ROE | 3.11% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 11.52% | ||
| GM | N/A | ||
| FCFM | 39.52% |
ROA(3y)0.73%
ROA(5y)0.84%
ROE(3y)8.89%
ROE(5y)9.31%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 368.85% | ||
| Cap/Sales | 8.06% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 342.94% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC13.4%
ROIC/WACCN/A
Cap/Depr(3y)153.58%
Cap/Depr(5y)118.39%
Cap/Sales(3y)3.63%
Cap/Sales(5y)2.78%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-61.5%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%86.35%
EPS Next Y37.71%
EPS Next 2Y24.46%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-8.69%
Revenue growth 3Y-11.51%
Revenue growth 5Y2.37%
Sales Q2Q%15%
Revenue Next Year20.57%
Revenue Next 2Y24.45%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-10.79%
FCF growth 3Y-11.03%
FCF growth 5Y3.19%
OCF growth 1Y2.48%
OCF growth 3Y-7.91%
OCF growth 5Y4.34%
NORWOOD FINANCIAL CORP / NWFL FAQ
What is the ChartMill fundamental rating of NORWOOD FINANCIAL CORP (NWFL) stock?
ChartMill assigns a fundamental rating of 4 / 10 to NWFL.
Can you provide the valuation status for NORWOOD FINANCIAL CORP?
ChartMill assigns a valuation rating of 6 / 10 to NORWOOD FINANCIAL CORP (NWFL). This can be considered as Fairly Valued.
How profitable is NORWOOD FINANCIAL CORP (NWFL) stock?
NORWOOD FINANCIAL CORP (NWFL) has a profitability rating of 2 / 10.
What is the expected EPS growth for NORWOOD FINANCIAL CORP (NWFL) stock?
The Earnings per Share (EPS) of NORWOOD FINANCIAL CORP (NWFL) is expected to grow by 37.71% in the next year.
Can you provide the dividend sustainability for NWFL stock?
The dividend rating of NORWOOD FINANCIAL CORP (NWFL) is 8 / 10 and the dividend payout ratio is 151.09%.