NASDAQ
NWFL
Last Price
US $32.60
KEY FIGURES
MKT CAP
$299.9M
EPS
TTM
$2.81
PEG
TTM
0.00x
P/E
TTM
11.69x
P/S
TTM
2.20x
YIELD
3.88%
GROWTH
Revenue Y/Y
Profit margin
Current Ratio
Capital Returns
10.43%
Return on equity
ROIC: 6.51%
Valuation History
11.7X
Price to Earnings
EV/EBITDA: 8.4X
Cash flow
Profit margin
15.50%
(FY vs FY)
EBITDA Y/Y
13.05%
(FY vs FY)
Cash flow Y/Y
17.52%
(FY vs FY)
Cash Flow (DCF)
Fair Value
Market $32.60
56.66%
Default assumptions
EBITDA Multiple
Fair Value
Market $32.60
-28.90%
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.
Valuation
Financial
Performance
Financial stability - Cash flow debt coverage.
Norwood Financial Corp. cash flow to debt ratio of 45.82% indicates that the company generates enough cash to cover its debts. This level indicates strong financial health.
Financial stability - Healthy cash flow growth.
Norwood Financial Corp.'s free cash flow has increased 48.61% from $19.68M last year to $29.25M, signaling increasing performance
Financial stability - Healthy debt to equity ratio.
Norwood Financial Corp.'s debt to equity ratio is 0.31, which means that the company's assets are healthy financed, signaling financial stability. READ MORE: A ratio under 0.60 means the company finances its assets with own equity, signaling financial stability and good management.
Financial stability - Healthy debt to equity ratio development.
Norwood Financial Corp.'s debt has decreased relative to shareholder equity from 0.91 last year to 0.31 today, signaling strengthened financials
Financial stability - Net debt/EBITDA.
Norwood Financial Corp. has a net debt to EBITDA ratio of 0.81x, which is below the 3.00x threshold, indicating healthy leverage and financial stability
Financial stability - ICR.
Norwood Financial Corp. earns at least as much interest as it pays. Interest obligations are fully covered.
Financial stability - Profit margin growth.
Norwood Financial Corp.'s profit margin has increased (-12.18K%) in the last year from -0.16% to 19.06%, signaling increasing performance
Financial risk - Short term assets vs short term liabilities.
Norwood Financial Corp.'s short-term liabilities of $2.14G exceed its short-term assets of $333.70M, signaling financial risk
Decreasing performance - ROA.
Norwood Financial Corp.'s return on assets of 0.88% is lower than the 5.00% threshold, indicating inefficient asset utilization
Decreasing performance - Absolute return on equity.
Norwood Financial Corp.'s return on equity of 10.43%, is lower than 15.00%, indicating bad performance
Increasing performance - Earnings quality.
Norwood Financial Corp.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation
Increasing performance - Earnings stability.
Norwood Financial Corp. had positive net income in 4.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
Norwood Financial Corp. has positive free cash flow, indicating the company generates cash after capital expenditures
Increasing performance - FCF yield.
Norwood Financial Corp. has a free cash flow yield of 9.75%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Increasing performance - Healthy earnings growth.
Norwood Financial Corp.'s yearly earnings has increased -17.45K% since last year from $-160.00K to $27.75M, signaling increasing performance
Increasing performance - Healthy revenue growth.
Norwood Financial Corp.'s yearly revenue has increased 34.22% since last year from $101.43M to $136.14M, signaling increasing performance
Increasing performance - ROIC.
ROIC 6.51% (Source: FMP key-metrics). In the 5–10% partial-credit band. Score: 1 of 2. This band sits within the typical US weighted-average cost of capital range. Methodology choice can change the conclusion: under FMP's invested-capital definition the company is at or near its cost of capital; under narrower operating-capital definitions the same company may score higher. Invested capital here includes equity, non-current liabilities, and short-term debt. Cash is not subtracted. See methodology.
Increasing performance - 3-year revenue CAGR.
Norwood Financial Corp.'s 3-year revenue CAGR of 16.73% is positive, indicating growing revenue over the past 3 years
Increasing performance - Revenue consistency.
Norwood Financial Corp. had revenue growth in 4.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
Norwood Financial Corp. had positive ROE in 4.00 out of 5 years, indicating consistent and reliable returns on equity
Undervalued - DCF valuation.
Norwood Financial Corp. is undervalued relative to its fair value price of 51.07 based on Discounted Cash Flow model
Undervalued - Earnings yield.
Norwood Financial Corp. has an earnings yield of 8.64%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Overvalued - EBITDA valuation.
Norwood Financial Corp. is overvalued relative to its fair value price of 23.18 based on EBITDA multiple model
Undervalued - EV/EBITDA.
Norwood Financial Corp. has an EV/EBITDA ratio of 8.36x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Undervalued - PEG ratio value.
Norwood Financial Corp. has a PEG-ratio under 1 which is considered undervalued
Undervalued - P/B ratio.
Norwood Financial Corp. has a price-to-book ratio of 1.05x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
Norwood Financial Corp. has a price-to-sales ratio of 2.22x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue