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Ticker
NWFL

Price
22.25
Stock movement up
+0.58 (2.68%)
Company name
Norwood Financial Corp
Exchange
(NASDAQ
,
Currency
USD
)
Sector
Financial Services >
Banks - Regional
Market cap
180.04M
Ent value
2.18B
Price/Sales
1.71
Price/Book
0.92
Div yield
5.39%
Div growth
5.68%
Growth years
23
FCF payout
44.67%
Trailing P/E
14.02
Forward P/E
-
PEG
-
EPS growth
-0.91%
1 year return
-8.51%
3 year return
-7.44%
5 year return
-1.30%
10 year return
1.11%
Last updated: 2025-04-11

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DIVIDENDS

Dividend yield - 5y

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Dividend yield data
Dividend per share1.20
Dividend yield5.39%
Payout frequency-
Maximum yield5.54%
Average yield4.18%
Minimum yield3.27%
Discount to avg yield22.58%
Upside potential29.17%
Yield as % of max yield97.39%

Yield distribution (inverse percentile) - 5y

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Yield distribution data
Dividend yield5.39%
Current yield distribution0.24%
Yield at 100% (Min)3.27%
Yield at 90%3.70%
Yield at 80%3.91%
Yield at 50% (Median)4.13%
Yield at 20%4.50%
Yield at 10%4.68%
Yield at 0% (Max)5.54%

Dividend per share

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Dividend per share data
Years of growth23 years
CCC statusDividend Contender
Dividend per share1.20
Payout frequency-
Ex-div date15 Jan 2025
EPS (TTM)1.60
EPS (1y forward)-
EPS growth (5y)-0.91%
EPS growth (5y forward)-

Dividend growth

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Dividend growth data
NWFLS&P500
DGR MR3.45%-13.74%
DGR TTM3.45%6.60%
DGR 3 years5.07%5.24%
DGR 5 years5.68%5.40%
DGR 10 years4.29%7.07%
DGR 15 years4.42%6.12%
Time since last change announced488 days
EPS growth (5y)-0.91%
EPS growth (5y forward)-

Payout ratio

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Payout ratio data
EPS coverageFCF coverage
TTM74.99%44.67%
Average42.92%35.91%
Forward--

iO Charts is a Seeking Alpha partner

iO Charts is a Seeking Alpha partner

VALUATION

Valuation Ratios

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Valuation Ratios data
Trailing P/E14.02
Price to OCF7.30
Price to FCF8.35
Price to EBITDA30.88
EV to EBITDA374.14

Valuation (Sales/Book Value)

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Valuation (Sales/Book Value) data
Price to Sales1.71
Price to Book0.92
EV to Sales20.73

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iO Charts is a Seeking Alpha partner

FINANCIALS

Per share

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Per share data
Current share count8.09M
EPS (TTM)1.60
FCF per share (TTM)2.68

Income statement

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Income statement data
Revenue (TTM)105.22M
Gross profit (TTM)106.17M
Operating income (TTM)17.32M
Net income (TTM)12.84M
EPS (TTM)1.60
EPS (1y forward)-

Margins

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Margins data
Gross margin (TTM)100.90%
Operating margin (TTM)16.46%
Profit margin (TTM)12.21%

Balance Sheet

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Balance Sheet data
Cash82.88M
Net receivables1.66B
Total current assets2.11B
Goodwill29.27M
Intangible assets167.00K
Property, plant and equipment0.00
Total assets2.28B
Accounts payable12.69M
Short/Current long term debt137.41M
Total current liabilities65.14M
Total liabilities2.08B
Shareholder's equity195.65M
Net tangible assets0.00

Cash flow

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Cash flow data
Operating cash flow (TTM)24.65M
Capital expenditures (TTM)3.09M
Free cash flow (TTM)21.56M
Dividends paid (TTM)9.63M

Financial returns

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Financial returns data
Return on Equity6.56%
Return on Assets0.56%
Return on Invested Capital3.86%
Cash Return on Invested Capital6.47%

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iO Charts is a Seeking Alpha partner

STOCK INFORMATION

Stock chart

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Stock price data
Open21.64
Daily high22.90
Daily low21.64
Daily Volume31K
All-time high40.41
1y analyst estimate-
Beta0.61
EPS (TTM)1.60
Dividend per share1.20
Ex-div date15 Jan 2025
Next earnings date21 Apr 2025

Downside potential

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Downside potential data
NWFLS&P500
Current price drop from All-time high-44.94%-12.89%
Highest price drop-52.02%-56.47%
Date of highest drop8 Dec 20009 Mar 2009
Avg drop from high-18.46%-11.07%
Avg time to new high36 days12 days
Max time to new high1646 days1805 days

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iO Charts is a Seeking Alpha partner

COMPANY DETAILS
NWFL (Norwood Financial Corp) company logo
Marketcap
180.04M
Marketcap category
Small-cap
Description
Norwood Financial Corp. operates as the bank holding company for Wayne Bank that provides various banking products and services. The company accepts a range of deposit products, including interest-bearing and non-interest-bearing transaction accounts, and statement savings and money market accounts, as well as certificate of deposits. It also provides commercial loans comprising lines of credit, revolving credit, term loans, mortgages, secured lending products, and letter of credit facilities; municipal finance lending; construction loans for commercial construction projects and single-family residences; land loans; construction financing; consumer loans; mortgage lending to finance principal residences and second home dwellings; and indirect dealer financing of new and used automobiles, boats, and recreational vehicles. In addition, the company offers investment securities services; personal and business credit services; trust and investment products; and cash management, direct deposit, remote deposit capture, mobile deposit capture, automated clearing house activity, real estate settlement, and Internet and mobile banking services. Further, it engages in the annuity and mutual fund sale, and discount brokerage activities, as well as insurance agency business. The company serves consumers, businesses, nonprofit organizations, and municipalities. It operates branches in Northeastern Pennsylvania; and in Delaware, Sullivan, Ontario, Otsego, and Yates Counties, New York, as well as automated teller machines. Norwood Financial Corp. was founded in 1870 and is headquartered in Honesdale, Pennsylvania.
Employees
261
Investor relations
SEC filings
CEO
Country
USA
City
Stock type
Common stock
CCC status
Dividend Contender
Dividend Frequency
-
EVENTS AND PRESENTATIONS
EventsPresentations
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UNDERSTAND THE BUSINESS
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