Financials Norwood Financial Corp.

Equities

NWFL

US6695491075

Banks

Delayed Nasdaq 10:43:16 14/05/2024 pm IST 5-day change 1st Jan Change
24.4 USD +0.95% Intraday chart for Norwood Financial Corp. -3.71% -25.86%

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 205.9 243.8 213.7 211.6 270.8 264.2
Enterprise Value (EV) 1 293.9 353.4 212.7 100.3 376.3 400.4
P/E ratio 15.2 x 17.3 x 12.5 x 8.55 x 9.34 x 15.9 x
Yield 2.73% 2.49% 3.86% 4.08% 3.38% 3.56%
Capitalization / Revenue 4.88 x 5.52 x 4.05 x 3.05 x 3.5 x 4.09 x
EV / Revenue 6.97 x 8.01 x 4.03 x 1.44 x 4.86 x 6.19 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 1.69 x 1.78 x 1.1 x 1.03 x 1.63 x 1.47 x
Nbr of stocks (in thousands) 6,238 6,266 8,165 8,141 8,097 8,028
Reference price 2 33.00 38.90 26.17 25.99 33.44 32.91
Announcement Date 14/03/19 13/03/20 09/03/21 11/03/22 17/03/23 14/03/24
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 42.18 44.13 52.81 69.44 77.43 64.64
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 16.2 16.82 18.37 30.86 36.38 21.15
Net income 1 13.65 14.22 15.08 24.92 29.23 16.76
Net margin 32.36% 32.21% 28.56% 35.88% 37.75% 25.93%
EPS 2 2.170 2.250 2.090 3.040 3.580 2.070
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share 2 0.9000 0.9700 1.010 1.060 1.130 1.170
Announcement Date 14/03/19 13/03/20 09/03/21 11/03/22 17/03/23 14/03/24
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 88 110 - - 106 136
Net Cash position 1 - - 0.95 111 - -
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 11.5% 10.9% 9.08% 12.5% 15.7% 9.63%
ROA (Net income/ Total Assets) 1.18% 1.18% 0.98% 1.27% 1.42% 0.79%
Assets 1 1,159 1,208 1,541 1,960 2,058 2,124
Book Value Per Share 2 19.50 21.80 23.80 25.10 20.60 22.50
Cash Flow per Share 2 2.770 2.280 13.60 25.30 3.920 8.200
Capex 1 0.87 1.62 0.75 1.26 2.15 1.41
Capex / Sales 2.07% 3.68% 1.42% 1.81% 2.78% 2.18%
Announcement Date 14/03/19 13/03/20 09/03/21 11/03/22 17/03/23 14/03/24
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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