Norwood Financial Corp. (NWFL)
Norwood Financial Statistics
Share Statistics
Norwood Financial has 9.26M shares outstanding. The number of shares has increased by 14.37% in one year.
| Shares Outstanding | 9.26M |
| Shares Change (YoY) | 14.37% |
| Shares Change (QoQ) | 1.88% |
| Owned by Institutions (%) | 38.48% |
| Shares Floating | 8.24M |
| Failed to Deliver (FTD) Shares | 40 |
| FTD / Avg. Volume | 0.27% |
Short Selling Information
The latest short interest is 39.24K, so 0.43% of the outstanding shares have been sold short.
| Short Interest | 39.24K |
| Short % of Shares Out | 0.43% |
| Short % of Float | 0.48% |
| Short Ratio (days to cover) | 1.76 |
Valuation Ratios
The PE ratio is undefined and the forward PE ratio is 9.54. Norwood Financial's PEG ratio is undefined.
| PE Ratio | undefined |
| Forward PE | 9.54 |
| PS Ratio | 1.94 |
| Forward PS | 2.5 |
| PB Ratio | 1.03 |
| P/FCF Ratio | undefined |
| PEG Ratio | undefined |
Enterprise Valuation
Currently the Enterprise Value (EV) is not available for Norwood Financial Corp..
| EV / Earnings | n/a |
| EV / Sales | n/a |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | n/a |
Financial Position
The company has a current ratio of 16.93, with a Debt / Equity ratio of undefined.
| Current Ratio | 16.93 |
| Quick Ratio | 16.93 |
| Debt / Equity | undefined |
| Total Debt / Capitalization | 34.62 |
| Cash Flow / Debt | 0.2 |
| Interest Coverage | undefined |
Financial Efficiency
Return on equity (ROE) is 0% and return on capital (ROIC) is 20.79%.
| Return on Equity (ROE) | 0% |
| Return on Assets (ROA) | 0% |
| Return on Capital (ROIC) | 20.79% |
| Revenue Per Employee | $426,439.39 |
| Profits Per Employee | $-606.06 |
| Employee Count | 264 |
| Asset Turnover | 0.05 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | -98K |
| Effective Tax Rate | 0.38 |
Stock Price Statistics
The stock price has increased by -14.52% in the last 52 weeks. The beta is 0.58, so Norwood Financial's price volatility has been higher than the market average.
| Beta | 0.58 |
| 52-Week Price Change | -14.52% |
| 50-Day Moving Average | 25.52 |
| 200-Day Moving Average | 27.07 |
| Relative Strength Index (RSI) | 38 |
| Average Volume (20 Days) | 14.58K |
Income Statement
In the last 12 months, Norwood Financial had revenue of 112.58M and earned -160K in profits. Earnings per share was -0.02.
| Revenue | 112.58M |
| Gross Profit | 112.58M |
| Operating Income | 109.48M |
| Net Income | -160K |
| EBITDA | 0 |
| EBIT | 109.48M |
| Earnings Per Share (EPS) | -0.02 |
Balance Sheet
The company has 27.56M in cash and 113.07M in debt, giving a net cash position of -85.51M.
| Cash & Cash Equivalents | 27.56M |
| Total Debt | 113.07M |
| Net Cash | -85.51M |
| Retained Earnings | 152.96M |
| Total Assets | 2.32B |
| Working Capital | 470.19M |
Cash Flow
In the last 12 months, operating cash flow was 22.81M and capital expenditures 0, giving a free cash flow of 22.81M.
| Operating Cash Flow | 22.81M |
| Capital Expenditures | 0 |
| Free Cash Flow | 22.81M |
| FCF Per Share | 2.83 |
Margins
Gross margin is 100%, with operating and profit margins of 97.24% and -0.14%.
| Gross Margin | 100% |
| Operating Margin | 97.24% |
| Pretax Margin | -0.23% |
| Profit Margin | -0.14% |
| EBITDA Margin | n/a |
| EBIT Margin | 97.24% |
| FCF Margin | 20.26% |
Dividends & Yields
NWFL pays an annual dividend of $1.21, which amounts to a dividend yield of 4.53%.
| Dividend Per Share | $1.21 |
| Dividend Yield | 4.53% |
| Dividend Growth (YoY) | 3.33% |
| Payout Ratio | -6050% |
| Earnings Yield | -0.08% |
| FCF Yield | 10.1% |
Analyst Forecast
The average price target for NWFL is $29.5, which is 21.1% higher than the current price. The consensus rating is "Hold".
| Price Target | $29.5 |
| Price Target Difference | 21.1% |
| Analyst Consensus | Hold |
| Analyst Count | 2 |
Stock Splits
The last stock split was on Sep 18, 2017. It was a forward split with a ratio of 3:2.
| Last Split Date | Sep 18, 2017 |
| Split Type | forward |
| Split Ratio | 3:2 |
Scores
| Altman Z-Score | 0.44 |
| Piotroski F-Score | 4 |