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    Banks - Regional
Northway Financial, Inc.

Northway Financial, Inc.

NWYF
Northway Financial, Inc.US flagOther OTC
35.50
USD
-0.14
- -
97.68MMarket Cap
Northway Financial, Inc.
NWYF
(Other OTC)

Recent

price

35.50

P/E

ratio

- -

div

yld

- -

ROIC.AI

2004
2005
2006
2008
2009
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
TTM
FRC
8.49
8.24
8.55
7.07
10.33
14.58
14.01
12.47
12.17
12.83
11.37
14.75
13.88
15.06
- -
- -
15.37
Revenue per Share
1.03
0.81
0.98
-0.4
0.75
2.58
2.77
2.27
1.46
2.64
1.07
3.37
1.91
3.38
- -
- -
3.1
Basic EPS, GAAP
1.86
1.3
1.65
2.46
-0.09
4.18
3.64
2.53
2.35
2.42
2.83
1.59
2.53
3.63
- -
- -
- -
Free Cash Flow per Basic Share
0.31
0.32
0.35
0.51
0.16
0.76
0.73
0.75
0.64
0.64
0.7
0.7
0.7
0.7
- -
- -
- -
Dividend per Share
16.47
16.93
17.62
21.51
22.2
27.58
29.16
30.78
31.6
33.6
34.25
36.92
38.13
40.81
- -
- -
- -
Book Value per Share
11.06
11.55
12
10.34
14.86
26.67
29.35
21.89
23.4
25.88
25.25
29.6
31.32
32.97
- -
- -
34.82
Tangible Book Value per Share
3
3
3
3
3
3
3
3
3
3
3
3
3
3
- -
- -
3
Basic Weighted Avg Shares
28
27
28
19
28
39
39
34
33
35
31
41
38
41
37
38
42
Sales/Revenue/Turnover
18.09
12.94
13.77
-18.61
3.44
24.69
26.66
26.13
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
2
2
2
2
2
1
1
1
1
1
1
1
1
1
1
1
- -
Depreciation Expense
3
3
3
-1
2
7
8
6
4
7
3
9
5
9
3
6
9
Net Income, GAAP
32.96
23.95
16.86
- -
- -
25.82
23.59
27.66
19.07
25.17
- -
16.95
13.28
18
2.51
9.33
16.9
Effective Tax Rate (%)
12.12
9.84
11.45
-5.61
7.27
18.32
20.37
18.9
11.99
20.62
9.39
22.87
13.73
22.45
7.32
15.38
20.18
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
99
106
74
96
84
81
65
56
21
21
34
21
21
21
76
146
- -
LT Debt
50
50
52
40
52
82
91
70
74
81
79
91
96
101
64
73
96
Total Equity
2.24
1.65
1.96
- -
- -
3.91
4.03
3.59
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
6.39
4.86
5.66
-1.86
3.41
10.35
9.85
7.58
4.68
8.11
3.15
9.48
5.08
8.57
2.37
5.02
- -
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'20
Dec'20
Mar'21
ST Debt
- -
- -
- -
LT Borrowings
- -
21
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
3
3
3
Market Capitalization
53
69
73

Working Capital

FRC

•

in mil. unless spec.
Sep'20
Dec'20
Mar'21
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
134
336
162
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
0.34%
0.53%
13.66%
Free Cash Flow
-2.95%
-0.13%
-100.8%
Net Income, GAAP
26.95%
58.87%
115.74%
Sales/Revenue/Turnover
0.18%
4.65%
2.62%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2021
10
- -
- -
- -
41
2022
8
- -
- -
- -
37
2023
- -
- -
- -
- -
38

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2021
0.69
- -
- -
- -
3.38
2022
-0.05
- -
- -
- -
- -
2023
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2021
- -
- -
- -
- -
0.7
2022
- -
- -
- -
- -
- -
2023
- -
- -
- -
- -
- -
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Business
Northway Financial, Inc. (NWYF) operates as a bank holding company for Northway Bank, a community-focused institution that attracts deposits from the general public and invests them primarily in commercial loans, real estate loans, and consumer loans; its core offerings encompass personal banking services including checking and savings accounts, money market and IntraFi Cash Service accounts, certificates of deposit, individual retirement accounts, debit cards, online and mobile banking, bill pay, and e-statements; business services feature business checking, card access, business online and mobile banking, business loans, employee services, fraud prevention, overdraft prevention, investments, and insurance; commercial banking includes online banking, cash management, commercial loans, and municipal deposit accounts and loans. Headquartered in Berlin, New Hampshire, with additional key locations across the state such as North Conway, Concord, and Conway Village, the company serves individuals, small and medium-sized businesses, and municipalities primarily in New Hampshire. Founded through the 1997 merger of Berlin City Bank (established 1934) and Pemigewasset National Bank, Northway Bank rebranded in 2005 and grew to become New Hampshire's largest independent commercial bank and top SBA lender. In a transformative development, Northway Financial merged with Camden National Corporation in an all-stock transaction valued at $86.6 million, completed on January 2, 2025, creating a combined entity with approximately $7.0 billion in assets and 73 branches across Maine and New Hampshire; the deal, announced September 10, 2024, integrates Northway Bank's operations into Camden National Bank, with full system conversion anticipated in mid-March 2025.

Company News

APIChatGPT

  • prnewswire.com

    Camden National Corp. Announces Successful Merger with Northway Financial

  • prnewswire.com

    Camden National Corp. Receives Regulatory Approvals for Merger of Northway Financial, Inc.

  • globenewswire.com

    Northway Financial, Inc. Announces Third Quarter Earnings

  • prnewswire.com

    Camden National Corporation and Northway Financial, Inc. to Merge

  • globenewswire.com

    Northway Financial, Inc. Announces Second Quarter Earnings and Declares Semi-Annual Dividend

  • globenewswire.com

    Northway Financial, Inc. Announces First Quarter Earnings

  • globenewswire.com

    Northway Financial, Inc. Announces 2023 Earnings and Declares Semi-Annual Dividend

  • globenewswire.com

    Northway Financial, Inc. Announces Third Quarter Earnings

  • globenewswire.com

    Northway Financial, Inc. Announces Second Quarter Earnings and Declares Semi-Annual Dividend

  • globenewswire.com

    Northway Financial, Inc. Announces Second Quarter Earnings and Declares Semi-Annual Dividend

  • globenewswire.com

    Northway Financial, Inc. Announces First Quarter Earnings