28.05 USD
-0.25 (-0.88%)
28.05 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to NWFL. NWFL was compared to 388 industry peers in the Banks industry. While NWFL seems to be doing ok healthwise, there are quite some concerns on its profitability. NWFL has a decent growth rate and is not valued too expensively. Finally NWFL also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year NWFL was profitable.
NWFL had a positive operating cash flow in the past year.
Of the past 5 years NWFL 4 years were profitable.
In the past 5 years NWFL always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.30%, NWFL is doing worse than 85.31% of the companies in the same industry.
With a Return On Equity value of 3.11%, NWFL is not doing good in the industry: 84.28% 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 82.22% 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.
The number of shares outstanding for NWFL has been increased compared to 5 years ago.
NWFL has a better debt/assets ratio than last year.
2.2 Solvency
There is no outstanding debt for NWFL. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.62%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for NWFL have decreased strongly by -61.50% in the last year.
The Revenue has decreased by -8.69% in the past year.
NWFL shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.37% yearly.
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 quite strong growth in Earnings Per Share. The EPS will grow by 19.88% on average per year.
The Revenue is expected to grow by 19.01% on average over the next years. This is quite good.
EPS Next Y44.76%
EPS Next 2Y20.42%
EPS Next 3Y19.88%
EPS Next 5YN/A
Revenue Next Year24.24%
Revenue Next 2Y26.76%
Revenue Next 3Y19.01%
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 10.91.
68.04% of the companies in the same industry are more expensive than NWFL, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 26.51. NWFL is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 9.03 indicates a reasonable valuation of NWFL.
Based on the Price/Forward Earnings ratio, NWFL is valued a bit cheaper than the industry average as 72.16% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of NWFL to the average of the S&P500 Index (23.13), we can say NWFL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.91 | ||
| Fwd PE | 9.03 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, NWFL is valued a bit cheaper than the industry average as 61.34% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.36 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The 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 19.88% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.24
PEG (5Y)N/A
EPS Next 2Y20.42%
EPS Next 3Y19.88%
5. Dividend
5.1 Amount
NWFL has a Yearly Dividend Yield of 4.45%, which is a nice return.
Compared to an average industry Dividend Yield of 2.74, NWFL pays a better dividend. On top of this NWFL pays more dividend than 86.86% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.00, NWFL pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.45% |
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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)3.13%
Div Incr Years23
Div Non Decr Years23
5.3 Sustainability
151.09% of the earnings are spent on dividend by NWFL. This is not a sustainable payout ratio.
The dividend of NWFL is growing, but earnings are growing more, so the dividend growth is sustainable.
DP151.09%
EPS Next 2Y20.42%
EPS Next 3Y19.88%
28.05
-0.25 (-0.88%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners41.49%
Inst Owner Change9.24%
Ins Owners8.19%
Ins Owner Change1.18%
Market Cap259.74M
Revenue(TTM)63.45M
Net Income(TTM)7.31M
Analysts82.5
Price Target27.54 (-1.82%)
Short Float %6.59%
Short Ratio20.16
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.45% |
Yearly Dividend1.12
Dividend Growth(5Y)3.13%
DP151.09%
Div Incr Years23
Div Non Decr Years23
Ex-DateN/A
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)0%
PT rev (3m)2.86%
EPS NQ rev (1m)0%
EPS NQ rev (3m)24.67%
EPS NY rev (1m)5.12%
EPS NY rev (3m)13.69%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)6.82%
Revenue NY rev (1m)3.04%
Revenue NY rev (3m)3.04%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.91 | ||
| Fwd PE | 9.03 | ||
| P/S | 4.09 | ||
| P/FCF | 10.36 | ||
| P/OCF | 8.6 | ||
| P/B | 1.11 | ||
| P/tB | 1.26 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.57
EY9.16%
EPS(NY)3.11
Fwd EY11.07%
FCF(TTM)2.71
FCFY9.65%
OCF(TTM)3.26
OCFY11.62%
SpS6.85
BVpS25.37
TBVpS22.2
PEG (NY)0.24
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
WACC13.62%
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 Y44.76%
EPS Next 2Y20.42%
EPS Next 3Y19.88%
EPS Next 5YN/A
Revenue 1Y (TTM)-8.69%
Revenue growth 3Y-11.51%
Revenue growth 5Y2.37%
Sales Q2Q%15%
Revenue Next Year24.24%
Revenue Next 2Y26.76%
Revenue Next 3Y19.01%
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.
What is the valuation status for NWFL stock?
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 44.76% 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%.