28.92 USD
-0.74 (-2.49%)
28.92 USD
0 (0%)
NWFL gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 388 industry peers in the Banks industry. The financial health of NWFL is average, but there are quite some concerns on its profitability. NWFL has a correct valuation and a medium growth rate. Finally NWFL also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
NWFL had positive earnings in the past year.
NWFL had a positive operating cash flow in the past year.
Of the past 5 years NWFL 4 years were profitable.
NWFL had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
NWFL has a Return On Assets of 0.30%. This is amonst the worse of the industry: NWFL underperforms 86.08% of its industry peers.
NWFL has a worse Return On Equity (3.11%) than 85.05% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.3% | ||
| ROE | 3.11% | ||
| ROIC | N/A |
ROA(3y)0.73%
ROA(5y)0.84%
ROE(3y)8.89%
ROE(5y)9.31%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
NWFL has a worse Profit Margin (11.52%) than 82.73% of its industry peers.
The Operating Margin and Gross Margin are not available for NWFL so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 11.52% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
NWFL does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, NWFL has more shares outstanding
The number of shares outstanding for NWFL has been increased compared to 5 years ago.
NWFL has a better debt/assets ratio than last year.
2.2 Solvency
There is no outstanding debt for NWFL. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.5%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for NWFL have decreased strongly by -61.50% in the last year.
Looking at the last year, NWFL shows a decrease in Revenue. The Revenue has decreased by -8.69% in the last year.
The Revenue has been growing slightly by 2.37% on average over the past years.
EPS 1Y (TTM)-61.5%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%86.35%
Revenue 1Y (TTM)-8.69%
Revenue growth 3Y-11.51%
Revenue growth 5Y2.37%
Sales Q2Q%15%
3.2 Future
Based on estimates for the next years, NWFL will show a quite strong growth in Earnings Per Share. The EPS will grow by 19.88% on average per year.
Based on estimates for the next years, NWFL will show a quite strong growth in Revenue. The Revenue will grow by 19.01% on average per year.
EPS Next Y44.76%
EPS Next 2Y20.42%
EPS Next 3Y19.88%
EPS Next 5YN/A
Revenue Next Year24.24%
Revenue Next 2Y26.76%
Revenue Next 3Y19.01%
Revenue Next 5YN/A
3.3 Evolution
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 11.25, which indicates a very decent valuation of NWFL.
Compared to the rest of the industry, the Price/Earnings ratio of NWFL indicates a somewhat cheap valuation: NWFL is cheaper than 65.46% of the companies listed in the same industry.
NWFL is valuated cheaply when we compare the Price/Earnings ratio to 26.61, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 9.31, the valuation of NWFL can be described as reasonable.
NWFL's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. NWFL is cheaper than 68.56% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of NWFL to the average of the S&P500 Index (24.01), we can say NWFL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.25 | ||
| Fwd PE | 9.31 |
4.2 Price Multiples
61.08% of the companies in the same industry are more expensive than NWFL, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.68 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
NWFL's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
NWFL's earnings are expected to grow with 19.88% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.25
PEG (5Y)N/A
EPS Next 2Y20.42%
EPS Next 3Y19.88%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.25%, NWFL is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 2.74, NWFL pays a better dividend. On top of this NWFL pays more dividend than 85.05% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 1.87, NWFL pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.25% |
5.2 History
The dividend of NWFL has a limited annual growth rate of 3.13%.
NWFL has paid a dividend for at least 10 years, which is a reliable track record.
NWFL has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)3.13%
Div Incr Years23
Div Non Decr Years23
5.3 Sustainability
151.09% of the earnings are spent on dividend by NWFL. This is not a sustainable payout ratio.
NWFL's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP151.09%
EPS Next 2Y20.42%
EPS Next 3Y19.88%
28.92
-0.74 (-2.49%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners41.49%
Inst Owner Change9.24%
Ins Owners8.19%
Ins Owner Change1.29%
Market Cap267.80M
Revenue(TTM)63.45M
Net Income(TTM)7.31M
Analysts82.5
Price Target27.54 (-4.77%)
Short Float %6.09%
Short Ratio17.66
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.25% |
Yearly Dividend1.12
Dividend Growth(5Y)3.13%
DP151.09%
Div Incr Years23
Div Non Decr Years23
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)12.58%
Min EPS beat(2)-0.02%
Max EPS beat(2)25.19%
EPS beat(4)2
Avg EPS beat(4)-0.6%
Min EPS beat(4)-32.26%
Max EPS beat(4)25.19%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-4.26%
Min Revenue beat(2)-6.17%
Max Revenue beat(2)-2.36%
Revenue beat(4)0
Avg Revenue beat(4)-21.16%
Min Revenue beat(4)-66.46%
Max Revenue beat(4)-2.36%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)1.89%
PT rev (3m)2.86%
EPS NQ rev (1m)0%
EPS NQ rev (3m)24.67%
EPS NY rev (1m)5.12%
EPS NY rev (3m)13.69%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)6.82%
Revenue NY rev (1m)3.04%
Revenue NY rev (3m)3.04%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.25 | ||
| Fwd PE | 9.31 | ||
| P/S | 4.22 | ||
| P/FCF | 10.68 | ||
| P/OCF | 8.87 | ||
| P/B | 1.14 | ||
| P/tB | 1.3 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.57
EY8.89%
EPS(NY)3.11
Fwd EY10.74%
FCF(TTM)2.71
FCFY9.36%
OCF(TTM)3.26
OCFY11.27%
SpS6.85
BVpS25.37
TBVpS22.2
PEG (NY)0.25
PEG (5Y)N/A
Graham Number38.3
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.3% | ||
| ROE | 3.11% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 11.52% | ||
| GM | N/A | ||
| FCFM | 39.52% |
ROA(3y)0.73%
ROA(5y)0.84%
ROE(3y)8.89%
ROE(5y)9.31%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 368.85% | ||
| Cap/Sales | 8.06% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 342.94% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC13.5%
ROIC/WACCN/A
Cap/Depr(3y)153.58%
Cap/Depr(5y)118.39%
Cap/Sales(3y)3.63%
Cap/Sales(5y)2.78%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-61.5%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%86.35%
EPS Next Y44.76%
EPS Next 2Y20.42%
EPS Next 3Y19.88%
EPS Next 5YN/A
Revenue 1Y (TTM)-8.69%
Revenue growth 3Y-11.51%
Revenue growth 5Y2.37%
Sales Q2Q%15%
Revenue Next Year24.24%
Revenue Next 2Y26.76%
Revenue Next 3Y19.01%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-10.79%
FCF growth 3Y-11.03%
FCF growth 5Y3.19%
OCF growth 1Y2.48%
OCF growth 3Y-7.91%
OCF growth 5Y4.34%
NORWOOD FINANCIAL CORP / NWFL FAQ
What is the ChartMill fundamental rating of NORWOOD FINANCIAL CORP (NWFL) stock?
ChartMill assigns a fundamental rating of 4 / 10 to NWFL.
Can you provide the valuation status for NORWOOD FINANCIAL CORP?
ChartMill assigns a valuation rating of 6 / 10 to NORWOOD FINANCIAL CORP (NWFL). This can be considered as Fairly Valued.
How profitable is NORWOOD FINANCIAL CORP (NWFL) stock?
NORWOOD FINANCIAL CORP (NWFL) has a profitability rating of 2 / 10.
What is the expected EPS growth for NORWOOD FINANCIAL CORP (NWFL) stock?
The Earnings per Share (EPS) of NORWOOD FINANCIAL CORP (NWFL) is expected to grow by 44.76% in the next year.
Can you provide the dividend sustainability for NWFL stock?
The dividend rating of NORWOOD FINANCIAL CORP (NWFL) is 8 / 10 and the dividend payout ratio is 151.09%.