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 (%) | 38.55% |
| Shares Floating | 8.24M |
| Failed to Deliver (FTD) Shares | 40 |
| FTD / Avg. Volume | 0.19% |
Short Selling Information
The latest short interest is 67.43K, so 0.73% of the outstanding shares have been sold short.
| Short Interest | 67.43K |
| Short % of Shares Out | 0.73% |
| Short % of Float | 0.79% |
| Short Ratio (days to cover) | 2.27 |
Valuation Ratios
The PE ratio is -1368.33 and the forward PE ratio is 9.08. Norwood Financial's PEG ratio is 13.55.
| PE Ratio | -1368.33 |
| Forward PE | 9.08 |
| PS Ratio | 1.94 |
| Forward PS | 2.5 |
| PB Ratio | 1.03 |
| P/FCF Ratio | 9.6 |
| PEG Ratio | 13.55 |
Enterprise Valuation
Currently the Enterprise Value (EV) is not available for Norwood Financial.
| 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 0.53.
| Current Ratio | 16.93 |
| Quick Ratio | 16.93 |
| Debt / Equity | 0.53 |
| Debt / EBITDA | - |
| Debt / FCF | 4.96 |
| Interest Coverage | 2.17 |
Financial Efficiency
Return on Equity is n/a and Return on Invested Capital is n/a.
| Return on Equity | n/a |
| Return on Assets | n/a |
| Return on Invested Capital | n/a |
| Revenue Per Employee | $426.44K |
| Profits Per Employee | $-606.06 |
| Employee Count | 264 |
| Asset Turnover | 0.05 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | -98K |
| Effective Tax Rate | 37.98% |
Stock Price Statistics
The stock price has increased by -0.41% in the last 52 weeks. The beta is 0.54, so Norwood Financial's price volatility has been higher than the market average.
| Beta | 0.54 |
| 52-Week Price Change | -0.41% |
| 50-Day Moving Average | 24.47 |
| 200-Day Moving Average | 26.94 |
| Relative Strength Index (RSI) | 55.31 |
| Average Volume (20 Days) | 21.23K |
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 | -1.38M |
| 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 $1.52, which amounts to a dividend yield of 5.39%.
| Dividend Per Share | $1.52 |
| Dividend Yield | 5.39% |
| Dividend Growth (YoY) | 3.33% |
| Payout Ratio | 2533.33% |
| Earnings Yield | n/a |
| FCF Yield | n/a |
Analyst Forecast
The average price target for NWFL is $28, which is 15.4% higher than the current price. The consensus rating is "Hold".
| Price Target | $28 |
| Price Target Difference | 15.4% |
| Analyst Consensus | Hold |
| Analyst Count | 3 |
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 |