Norwood Financial Corp. Statistics
Share Statistics
Norwood Financial Corp. has 9.09M shares outstanding. The number of shares has increased by 12.1% in one year.
| Shares Outstanding | 9.09M |
| Shares Change (YoY) | n/a |
| Shares Change (QoQ) | 12.45% |
| Owned by Institutions (%) | n/a |
| Shares Floating | 8.03M |
| Failed to Deliver (FTD) Shares | 18 |
| FTD / Avg. Volume | 0.14% |
Short Selling Information
The latest short interest is 33.36K, so 0.37% of the outstanding shares have been sold short.
| Short Interest | 33.36K |
| Short % of Shares Out | 0.37% |
| Short % of Float | 0.42% |
| Short Ratio (days to cover) | 4.17 |
Valuation Ratios
The PE ratio is 15.82 and the forward PE ratio is null. Norwood Financial Corp.'s PEG ratio is 0.52.
| PE Ratio | 15.82 |
| Forward PE | null |
| PS Ratio | 4.1 |
| Forward PS | 2.7 |
| PB Ratio | 1.46 |
| P/FCF Ratio | 9.33 |
| PEG Ratio | 0.52 |
Enterprise Valuation
Norwood Financial Corp. has an Enterprise Value (EV) of 401.53M.
| EV / Earnings | 23.96 |
| EV / Sales | 6.21 |
| EV / EBITDA | 17.76 |
| EV / EBIT | 18.99 |
| EV / FCF | 14.13 |
Financial Position
The company has a current ratio of 0.04, with a Debt / Equity ratio of 0.63.
| Current Ratio | 0.04 |
| Quick Ratio | 0.04 |
| Debt / Equity | 0.63 |
| Total Debt / Capitalization | 38.68 |
| Cash Flow / Debt | 0.26 |
| Interest Coverage | 0.63 |
Financial Efficiency
Return on equity (ROE) is 0.09% and return on capital (ROIC) is 5.68%.
| Return on Equity (ROE) | 0.09% |
| Return on Assets (ROA) | 0.01% |
| Return on Capital (ROIC) | 5.68% |
| Revenue Per Employee | 247.67K |
| Profits Per Employee | 64.21K |
| Employee Count | 261 |
| Asset Turnover | 0.03 |
| Inventory Turnover | 0 |
Taxes
| Income Tax | 4.39M |
| Effective Tax Rate | 0.21 |
Stock Price Statistics
The stock price has increased by -8.46% in the last 52 weeks. The beta is 0.61, so Norwood Financial Corp.'s price volatility has been higher than the market average.
| Beta | 0.61 |
| 52-Week Price Change | -8.46% |
| 50-Day Moving Average | 29.22 |
| 200-Day Moving Average | 26.87 |
| Relative Strength Index (RSI) | 42.08 |
| Average Volume (20 Days) | 13.06K |
Income Statement
In the last 12 months, Norwood Financial Corp. had revenue of 64.64M and earned 16.76M in profits. Earnings per share was 2.08.
| Revenue | 64.64M |
| Gross Profit | 64.64M |
| Operating Income | 21.15M |
| Net Income | 16.76M |
| EBITDA | 22.61M |
| EBIT | 21.15M |
| Earnings Per Share (EPS) | 2.08 |
Balance Sheet
The company has 66.12M in cash and 114.24M in debt, giving a net cash position of -48.12M.
| Cash & Cash Equivalents | 66.12M |
| Total Debt | 114.24M |
| Net Cash | -48.12M |
| Retained Earnings | 135.28M |
| Total Assets | 2.28B |
| Working Capital | 2.04B |
Cash Flow
In the last 12 months, operating cash flow was 29.82M and capital expenditures -1.41M, giving a free cash flow of 28.41M.
| Operating Cash Flow | 29.82M |
| Capital Expenditures | -1.41M |
| Free Cash Flow | 28.41M |
| FCF Per Share | 3.53 |
Margins
Gross margin is 100%, with operating and profit margins of 32.71% and 25.93%.
| Gross Margin | 100% |
| Operating Margin | 32.71% |
| Pretax Margin | 32.71% |
| Profit Margin | 25.93% |
| EBITDA Margin | 34.97% |
| EBIT Margin | 32.71% |
| FCF Margin | 43.95% |
Dividends & Yields
NWFL pays an annual dividend of $1.24, which amounts to a dividend yield of 4.73%.
| Dividend Per Share | $1.24 |
| Dividend Yield | 4.73% |
| Dividend Growth (YoY) | 6.9% |
| Payout Ratio | 77.99% |
| Earnings Yield | 7.94% |
| FCF Yield | 11.93% |
Analyst Forecast
The average price target for NWFL is $29.5, which is 12.6% higher than the current price. The consensus rating is "Hold".
| Price Target | $29.5 |
| Price Target Difference | 12.6% |
| 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 | 1.28 |
| Piotroski F-Score | 7 |