Norwood Financial Corp.
NASDAQ Global MarketTotal Valuation
Norwood Financial Corp. carries a market capitalization of 378.02M, placing it among publicly traded companies globally. Its enterprise value stands at 194.13M, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.
| Market Cap | 378.02M |
| Enterprise Value | 194.13M |
Share Statistics
Norwood Financial Corp. currently has 10.89M shares outstanding.
| Shares Outstanding | 10.89M |
| Owned by Insiders (%) | N/A |
| Owned by Institutions (%) | N/A |
Valuation Ratios
Norwood Financial Corp. trades at a trailing price-to-earnings ratio of 11.19. The price-to-sales ratio is 3.13, and the price-to-book ratio stands at 1.21.
| PE Ratio | 11.19 |
| PS Ratio | 3.13 |
| PB Ratio | 1.21 |
| P/TBV Ratio | 1.40 |
| P/FCF Ratio | 8.95 |
| P/OCF Ratio | 9.78 |
Enterprise Valuation
On an enterprise value basis, Norwood Financial Corp. trades at an EV/EBITDA multiple of 97.85 and an EV/FCF ratio of 5.38.
| EV / Sales | 1.88 |
| EV / EBITDA | 97.85 |
| EV / EBIT | N/A |
| EV / FCF | 5.38 |
Financial Position
| Current Ratio | N/A |
| Quick Ratio | N/A |
| Debt / Equity | 22.62 |
| Debt / EBITDA | 33.02 |
| Interest Coverage | N/A |
Financial Efficiency
| Return on Equity (ROE) | 11.20 |
| Return on Assets (ROA) | 1.09 |
| Return on Invested Capital (ROIC) | N/A |
| Return on Capital Employed (ROCE) | N/A |
| Revenue Per Employee | N/A |
| Employee Count | N/A |
| Inventory Turnover | N/A |
Taxes
Over the trailing twelve months, Norwood Financial Corp. has paid 7.51M in income taxes, reflecting an effective tax rate of 20.67.
| Income Tax | 7.51M |
| Effective Tax Rate | 20.67 |
Stock Price Statistics
Norwood Financial Corp.'s stock has gained approximately 28.79406% over the past 52 weeks. The 50-day moving average sits at 33.03, while the 200-day moving average is 30.49.
| Beta (5Y) | N/A |
| 52-Week Price Change | 28.79406% |
| 50-Day Moving Average | 33.03 |
| 200-Day Moving Average | 30.49 |
| Average Volume (20 Days) | N/A |
Income Statement
Over the trailing twelve months, Norwood Financial Corp. generated 103.05M in revenue and converted that into 28.83M in net income, yielding earnings per share of 2.87.
| Revenue | 103.05M |
| Gross Profit | N/A |
| Operating Income | N/A |
| Pretax Income | 36.35M |
| Net Income | 28.83M |
| EBITDA | 1.98M |
| EBIT | N/A |
| Earnings Per Share (EPS) | 2.87 |
Balance Sheet
Norwood Financial Corp. holds 221.55M in cash and equivalents against 65.51M in total debt, resulting in a net debt position of 5.22M.
| Cash & Cash Equivalents | 221.55M |
| Total Debt | 65.51M |
| Net Debt | 5.22M |
| Equity (Book Value) | 289.64M |
| Book Value Per Share | 26.59 |
| Working Capital | N/A |
Cash Flow
Norwood Financial Corp. produced 33.02M in operating cash flow over the past twelve months. After subtracting -3.06M in capital expenditures, free cash flow totaled 29.95M - equivalent to 2.98 per share.
| Operating Cash Flow | 33.02M |
| Capital Expenditures | -3.06M |
| Free Cash Flow | 29.95M |
| FCF Per Share | 2.98 |
Margins
Norwood Financial Corp. operates with a gross margin of 100.00, reflecting its pricing power and cost economics.
| Gross Margin | 100.00 |
| Operating Margin | N/A |
| Pretax Margin | 35.27 |
| Profit Margin | 27.98 |
| EBITDA Margin | 1.93 |
Dividends & Yields
The company's payout ratio of 44.16 indicates the proportion of earnings distributed to shareholders.
| Dividend Per Share | 1.27 |
| Dividend Yield | N/A |
| Payout Ratio | 44.16 |
| Shareholder Yield | -17.07 |
| FCF Yield | 11.17 |
Stock Splits
Norwood Financial Corp.'s most recent stock split took place on September 18, 2017 with a 2:3 split ratio.
| Last Split Date | 9/18/2017 |
| Split Ratio | 2:3 |
Scores
Norwood Financial Corp. posts an Altman Z-Score of 0.19, below the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.
| Altman Z-Score | 0.19 |