NORWOOD FINANCIAL CORP(NASDAQ:NWFL) stock Fundamental Analysis

Fundamental Rating

NWFL gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 396 industry peers in the Banks industry. While NWFL seems to be doing ok healthwise, there are quite some concerns on its profitability. NWFL is quite expensive at the moment. It does show a decent growth rate. Finally NWFL also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year NWFL was profitable.

In the past year NWFL had a positive cash flow from operations.

NWFL had positive earnings in 4 of the past 5 years.

Each year in the past 5 years NWFL had a positive operating cash flow.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.05%, NWFL is doing worse than 88.64% of the companies in the same industry.

With a Return On Equity value of 0.53%, NWFL is not doing good in the industry: 88.89% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
ROA	0.05%
ROE	0.53%
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

NWFL's Profit Margin of 2.16% is on the low side compared to the rest of the industry. NWFL is outperformed by 87.88% of its industry peers.

NWFL does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	2.16%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

NWFL does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, NWFL has more shares outstanding

NWFL has more shares outstanding than it did 5 years ago.

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

WACC13.95%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

NWFL shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -95.48%.

Looking at the last year, NWFL shows a very negative growth in Revenue. The Revenue has decreased by -20.86% in the last year.

The Revenue has been growing slightly by 2.37% on average over the past years.

EPS 1Y (TTM)-95.48%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%14.04%

Revenue 1Y (TTM)-20.86%

Revenue growth 3Y-11.51%

Revenue growth 5Y2.37%

Sales Q2Q%11.61%

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 16.50% on average per year.

NWFL is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.46% yearly.

EPS Next Y25.87%

EPS Next 2Y16.5%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year20.09%

Revenue Next 2Y13.46%

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.

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4. Valuation

4.1 Price/Earnings Ratio

NWFL is valuated quite expensively with a Price/Earnings ratio of 294.94.

Based on the Price/Earnings ratio, NWFL is valued more expensive than 88.89% of the companies in the same industry.

The average S&P500 Price/Earnings ratio is at 26.70. NWFL is valued rather expensively when compared to this.

The Price/Forward Earnings ratio is 9.13, which indicates a very decent valuation of NWFL.

NWFL's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. NWFL is cheaper than 64.90% of the companies in the same industry.

NWFL is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.49, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	294.94
Fwd PE	9.13

4.2 Price Multiples

NWFL's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. NWFL is cheaper than 61.36% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	10.18
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates NWFL does not grow enough to justify the current Price/Earnings ratio.

A more expensive valuation may be justified as NWFL's earnings are expected to grow with 16.50% in the coming years.

PEG (NY)11.4

PEG (5Y)N/A

EPS Next 2Y16.5%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

NWFL has a Yearly Dividend Yield of 4.65%, which is a nice return.

NWFL's Dividend Yield is rather good when compared to the industry average which is at 3.34. NWFL pays more dividend than 85.86% of the companies in the same industry.

NWFL's Dividend Yield is rather good when compared to the S&P500 average which is at 2.36.

		Industry Rank	Sector Rank
Dividend Yield	4.65%

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

861.83% of the earnings are spent on dividend by NWFL. This is not a sustainable payout ratio.

NWFL's earnings are growing more than its dividend. This makes the dividend growth sustainable.

DP861.83%

EPS Next 2Y16.5%

EPS Next 3YN/A

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NORWOOD FINANCIAL CORP

NASDAQ:NWFL (5/19/2025, 4:30:02 PM)

After market: 26.545 0 (0%)

26.545

+0.28 (+1.05%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-17 2025-04-17/bmo

Earnings (Next)07-24 2025-07-24

Inst Owners38.64%

Inst Owner Change-11.72%

Ins Owners7.85%

Ins Owner Change2.9%

Market Cap245.81M

Analysts80

Price Target26.01 (-2.02%)

Short Float %0.77%

Short Ratio2.47

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.65%

Yearly Dividend1.12

Dividend Growth(5Y)3.13%

DP861.83%

Div Incr Years23

Div Non Decr Years23

Ex-Date04-15 2025-04-15 (0.31)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-13.79%

Min EPS beat(2)-32.26%

Max EPS beat(2)4.69%

EPS beat(4)N/A

Avg EPS beat(4)N/A

Min EPS beat(4)N/A

Max EPS beat(4)N/A

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)-38.07%

Min Revenue beat(2)-66.46%

Max Revenue beat(2)-9.67%

Revenue beat(4)N/A

Avg Revenue beat(4)N/A

Min Revenue beat(4)N/A

Max Revenue beat(4)N/A

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)-7.27%

PT rev (3m)-13.56%

EPS NQ rev (1m)2.89%

EPS NQ rev (3m)7.1%

EPS NY rev (1m)2.73%

EPS NY rev (3m)5.52%

Revenue NQ rev (1m)1.07%

Revenue NQ rev (3m)1.07%

Revenue NY rev (1m)0.25%

Revenue NY rev (3m)0.25%

Valuation

		Industry Rank	Sector Rank
PE	294.94
Fwd PE	9.13
P/S	4.51
P/FCF	10.18
P/OCF	8.89
P/B	1.11
P/tB	1.28
EV/EBITDA	N/A

EPS(TTM)0.09

EY0.34%

EPS(NY)2.91

Fwd EY10.95%

FCF(TTM)2.61

FCFY9.82%

OCF(TTM)2.99

OCFY11.25%

SpS5.89

BVpS23.83

TBVpS20.66

PEG (NY)11.4

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.05%
ROE	0.53%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	2.16%
GM	N/A
FCFM	44.28%

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

ROICexcg growth 3YN/A

ROICexcg 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 Turnover0.02

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Debt/EBITDA	N/A
Cap/Depr	258.86%
Cap/Sales	6.43%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	2048.26%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC13.95%

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)-95.48%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%14.04%

EPS Next Y25.87%

EPS Next 2Y16.5%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-20.86%

Revenue growth 3Y-11.51%

Revenue growth 5Y2.37%

Sales Q2Q%11.61%

Revenue Next Year20.09%

Revenue Next 2Y13.46%

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-17.64%

FCF growth 3Y-11.03%

FCF growth 5Y3.19%

OCF growth 1Y-12.07%

OCF growth 3Y-7.91%

OCF growth 5Y4.34%

NORWOOD FINANCIAL CORP (NWFL) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens