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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 7/10

vs
industry
vs
history
Cash to Debt 0.29
NWFL's Cash to Debt is ranked lower than
76% of the 983 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.38 vs. NWFL: 0.29 )
Ranked among companies with meaningful Cash to Debt only.
NWFL' s 10-Year Cash to Debt Range
Min: 0.08  Med: 0.31 Max: N/A
Current: 0.29
Equity to Asset 0.13
NWFL's Equity to Asset is ranked higher than
76% of the 1353 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. NWFL: 0.13 )
Ranked among companies with meaningful Equity to Asset only.
NWFL' s 10-Year Equity to Asset Range
Min: 0.09  Med: 0.12 Max: 0.14
Current: 0.13
0.09
0.14
Interest Coverage 3.20
NWFL's Interest Coverage is ranked higher than
69% of the 1269 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. NWFL: 3.20 )
Ranked among companies with meaningful Interest Coverage only.
NWFL' s 10-Year Interest Coverage Range
Min: 0.42  Med: 1.13 Max: 3.2
Current: 3.2
0.42
3.2
F-Score: 3
WACC vs ROIC
1.64%
5.34%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating margin (%) 34.64
NWFL's Operating margin (%) is ranked higher than
62% of the 1421 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.31 vs. NWFL: 34.64 )
Ranked among companies with meaningful Operating margin (%) only.
NWFL' s 10-Year Operating margin (%) Range
Min: -355.65  Med: 37.75 Max: 43.95
Current: 34.64
-355.65
43.95
Net-margin (%) 25.87
NWFL's Net-margin (%) is ranked higher than
63% of the 1421 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.02 vs. NWFL: 25.87 )
Ranked among companies with meaningful Net-margin (%) only.
NWFL' s 10-Year Net-margin (%) Range
Min: 20.77  Med: 28.29 Max: 109.48
Current: 25.87
20.77
109.48
ROE (%) 7.77
NWFL's ROE (%) is ranked lower than
55% of the 1423 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.48 vs. NWFL: 7.77 )
Ranked among companies with meaningful ROE (%) only.
NWFL' s 10-Year ROE (%) Range
Min: 8.02  Med: 11.57 Max: 13.29
Current: 7.77
8.02
13.29
ROA (%) 1.05
NWFL's ROA (%) is ranked higher than
63% of the 1432 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. NWFL: 1.05 )
Ranked among companies with meaningful ROA (%) only.
NWFL' s 10-Year ROA (%) Range
Min: 0.78  Med: 1.23 Max: 1.39
Current: 1.05
0.78
1.39
Revenue Growth (3Y)(%) 0.20
NWFL's Revenue Growth (3Y)(%) is ranked lower than
61% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. NWFL: 0.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NWFL' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 3.00 Max: 104.5
Current: 0.2
0
104.5
EBITDA Growth (3Y)(%) -1.30
NWFL's EBITDA Growth (3Y)(%) is ranked lower than
74% of the 1066 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. NWFL: -1.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NWFL' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: -0.15 Max: 9.3
Current: -1.3
0
9.3
EPS Growth (3Y)(%) -1.20
NWFL's EPS Growth (3Y)(%) is ranked lower than
75% of the 1065 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.70 vs. NWFL: -1.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NWFL' s 10-Year EPS Growth (3Y)(%) Range
Min: -1.2  Med: 6.50 Max: 24
Current: -1.2
-1.2
24
» NWFL's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 13.87
NWFL's P/E(ttm) is ranked lower than
54% of the 1300 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. NWFL: 13.87 )
Ranked among companies with meaningful P/E(ttm) only.
NWFL' s 10-Year P/E(ttm) Range
Min: 9.31  Med: 12.71 Max: 19.29
Current: 13.87
9.31
19.29
Forward P/E 10.45
NWFL's Forward P/E is ranked higher than
64% of the 718 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.82 vs. NWFL: 10.45 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 13.80
NWFL's PE(NRI) is ranked lower than
54% of the 1288 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. NWFL: 13.80 )
Ranked among companies with meaningful PE(NRI) only.
NWFL' s 10-Year PE(NRI) Range
Min: 9.32  Med: 12.71 Max: 19.42
Current: 13.8
9.32
19.42
P/B 1.05
NWFL's P/B is ranked higher than
50% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. NWFL: 1.05 )
Ranked among companies with meaningful P/B only.
NWFL' s 10-Year P/B Range
Min: 0.89  Med: 1.16 Max: 2.12
Current: 1.05
0.89
2.12
P/S 3.57
NWFL's P/S is ranked lower than
64% of the 1426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. NWFL: 3.57 )
Ranked among companies with meaningful P/S only.
NWFL' s 10-Year P/S Range
Min: 2.67  Med: 3.58 Max: 20.04
Current: 3.57
2.67
20.04
PFCF 9.76
NWFL's PFCF is ranked higher than
56% of the 858 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.85 vs. NWFL: 9.76 )
Ranked among companies with meaningful PFCF only.
NWFL' s 10-Year PFCF Range
Min: 6.54  Med: 10.60 Max: 49.75
Current: 9.76
6.54
49.75
POCF 9.59
NWFL's POCF is ranked lower than
52% of the 954 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.17 vs. NWFL: 9.59 )
Ranked among companies with meaningful POCF only.
NWFL' s 10-Year POCF Range
Min: 6.48  Med: 10.21 Max: 46.54
Current: 9.59
6.48
46.54
EV-to-EBIT 15.25
NWFL's EV-to-EBIT is ranked lower than
57% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.56 vs. NWFL: 15.25 )
Ranked among companies with meaningful EV-to-EBIT only.
NWFL' s 10-Year EV-to-EBIT Range
Min: 9.3  Med: 13.80 Max: 70.9
Current: 15.25
9.3
70.9
Shiller P/E 12.18
NWFL's Shiller P/E is ranked higher than
71% of the 784 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.97 vs. NWFL: 12.18 )
Ranked among companies with meaningful Shiller P/E only.
NWFL' s 10-Year Shiller P/E Range
Min: 9.26  Med: 12.50 Max: 20.86
Current: 12.18
9.26
20.86
Days Sales Outstanding 28.84
NWFL's Days Sales Outstanding is ranked higher than
58% of the 793 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.20 vs. NWFL: 28.84 )
Ranked among companies with meaningful Days Sales Outstanding only.
NWFL' s 10-Year Days Sales Outstanding Range
Min: 28.77  Med: 36.75 Max: 333.73
Current: 28.84
28.77
333.73

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.24
NWFL's Dividend Yield is ranked higher than
75% of the 2262 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.73 vs. NWFL: 4.24 )
Ranked among companies with meaningful Dividend Yield only.
NWFL' s 10-Year Dividend Yield Range
Min: 1.89  Med: 3.84 Max: 4.89
Current: 4.24
1.89
4.89
Dividend Payout 0.58
NWFL's Dividend Payout is ranked lower than
80% of the 1321 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. NWFL: 0.58 )
Ranked among companies with meaningful Dividend Payout only.
NWFL' s 10-Year Dividend Payout Range
Min: 0.23  Med: 0.40 Max: 0.72
Current: 0.58
0.23
0.72
Dividend growth (3y) 4.40
NWFL's Dividend growth (3y) is ranked lower than
61% of the 671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. NWFL: 4.40 )
Ranked among companies with meaningful Dividend growth (3y) only.
NWFL' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 7.00 Max: 23.5
Current: 4.4
0
23.5
Yield on cost (5-Year) 5.17
NWFL's Yield on cost (5-Year) is ranked higher than
72% of the 2265 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.15 vs. NWFL: 5.17 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
NWFL' s 10-Year Yield on cost (5-Year) Range
Min: 2.3  Med: 4.67 Max: 5.95
Current: 5.17
2.3
5.95
Share Buyback Rate -2.60
NWFL's Share Buyback Rate is ranked lower than
54% of the 1012 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. NWFL: -2.60 )
Ranked among companies with meaningful Share Buyback Rate only.
NWFL' s 10-Year Share Buyback Rate Range
Min: 1.9  Med: -0.80 Max: -6.1
Current: -2.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.18
NWFL's Price/Tangible Book is ranked lower than
51% of the 1349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. NWFL: 1.18 )
Ranked among companies with meaningful Price/Tangible Book only.
NWFL' s 10-Year Price/Tangible Book Range
Min: 0.96  Med: 1.32 Max: 2.31
Current: 1.18
0.96
2.31
Price/Projected FCF 0.61
NWFL's Price/Projected FCF is ranked higher than
58% of the 806 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. NWFL: 0.61 )
Ranked among companies with meaningful Price/Projected FCF only.
NWFL' s 10-Year Price/Projected FCF Range
Min: 0.56  Med: 0.78 Max: 1.21
Current: 0.61
0.56
1.21
Price/Median PS Value 1.00
NWFL's Price/Median PS Value is ranked higher than
59% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. NWFL: 1.00 )
Ranked among companies with meaningful Price/Median PS Value only.
NWFL' s 10-Year Price/Median PS Value Range
Min: 0.57  Med: 0.99 Max: 5.41
Current: 1
0.57
5.41
Price/Graham Number 0.85
NWFL's Price/Graham Number is ranked lower than
53% of the 1192 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. NWFL: 0.85 )
Ranked among companies with meaningful Price/Graham Number only.
NWFL' s 10-Year Price/Graham Number Range
Min: 0.58  Med: 0.85 Max: 1.47
Current: 0.85
0.58
1.47
Earnings Yield (Greenblatt) (%) 6.58
NWFL's Earnings Yield (Greenblatt) (%) is ranked lower than
51% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. NWFL: 6.58 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
NWFL' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1.4  Med: 7.30 Max: 10.7
Current: 6.58
1.4
10.7
Forward Rate of Return (Yacktman) (%) 9.11
NWFL's Forward Rate of Return (Yacktman) (%) is ranked lower than
62% of the 785 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.29 vs. NWFL: 9.11 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
NWFL' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -3.8  Med: 9.50 Max: 39.8
Current: 9.11
-3.8
39.8

Analyst Estimate

Dec15
EPS($) 2.77
EPS without NRI($) 2.77

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Norwood Financial Corp is a Pennsylvania corporation organized in November 1995. It is the holding Company for Wayne Bank. The Bank is an independent community bank with five offices in Wayne County, three offices in Pike County, five offices in Monroe County and three offices in Lackawanna County. It offers personal and business credit services and trust and investment products and real estate settlement services to the consumers, businesses, nonprofit organizations, and municipalities in each of the communities that the Bank serves. The Bank mainly serves the Pennsylvania counties of Wayne, Pike and Monroe, and to a much lesser extent, the counties of Lackawanna and Susquehanna County. In addition, the Bank operates 15 automated teller machines, one in each of its branch locations. The Bank's loan products include loans for personal and business use. Personal lending includes mortgage lending to finance main residences and to a lesser extent second home dwellings. The products include fixed rate mortgage products with terms up to 30 years which may be sold, in the secondary market through the Federal National Mortgage Association (Fannie Mae), the Federal Home Loan Bank (FHLB) or held in the Bank's portfolio subject to the extent consistent with its asset/liability management strategies. Commercial loans and commercial mortgages are provided to local small and mid-sized businesses at a variety of terms and rate structures. Commercial lending activities include lines of credit, revolving credit, term loans, mortgages, various forms of secured lending and a limited amount of letter of credit facilities. The Bank's construction lending has mainly involved lending for commercial construction projects and for single-family residences. All loans for the construction of speculative sale homes have a loan value ratio of not more than 80%. Commercial lending including real-estate related loans entail additional risks when compared with residential real estate and consumer lending. For example, commercial loans typically involve larger loan balances to single borrowers or groups of related borrowers. The Bank provides deposit products to its retail and business customers. These include interest-bearing and noninterest bearing transaction accounts, statement savings and money market accounts. Certificate of deposit terms range up to 5 years for retail instruments. The Bank operates a Wealth Management/Trust Department which provides estate planning, investment management and financial planning to customers for whom it is generally compensated based on a percentage of assets under management. The competition for deposit products comes from other insured financial institutions such as commercial banks, thrift institutions, credit unions, and multi-state regional banks in the Company's market area of Wayne, Pike, Monroe and Lackawanna Counties, Pennsylvania. The Company is subject to regulation and supervision by the Board of Governors of th
» More Articles for NWFL

Headlines

Articles On GuruFocus.com
Insider Buying Escalated in Regional Banking Companies Apr 30 2013 
My 3 Favorite Dividend Contenders with Low P/E Multiples and Low Beta Ratios Mar 21 2013 
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14 Dividend Contenders under Book Value Dec 09 2011 
Norwood Financial Corp. Reports Operating Results (10-K) Mar 10 2011 
Guru Stocks Raising Dividends: ANDE, D, T, NWFL, WFSL Jan 01 2011 
6 Stocks Giving The Gift of Dividend Growth: ANDE, D, LNT, NWFL, T, WFSL Dec 27 2010 
Norwood Financial Corp. (NWFL) President and CEO William W Jr Davis sells 1,188 Shares Aug 24 2009 
Norwood Financial Corp. (NWFL) President and CEO William W Jr Davis sells 1,188 Shares Aug 24 2009 

More From Other Websites
NORWOOD FINANCIAL CORP Financials Aug 20 2015
10-Q for Norwood Financial Corp. Aug 10 2015
NORWOOD FINANCIAL CORP Files SEC form 10-Q, Quarterly Report Aug 07 2015
NORWOOD FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers Jul 30 2015
Norwood Financial posts 2Q profit Jul 22 2015
Norwood Financial posts 2Q profit Jul 22 2015
NORWOOD FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jul 22 2015
Norwood Financial Corp Announces Second Quarter Earnings Jul 22 2015
NORWOOD FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jun 11 2015
Norwood Financial Corp Announces Cash Dividend Jun 11 2015
NORWOOD FINANCIAL CORP Files SEC form 8-K, Regulation FD Disclosure May 11 2015
NORWOOD FINANCIAL CORP Files SEC form 10-Q, Quarterly Report May 08 2015
NORWOOD FINANCIAL CORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Apr 30 2015
Norwood Financial posts 1Q profit Apr 22 2015
Norwood Financial posts 1Q profit Apr 22 2015
NORWOOD FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Apr 22 2015
NORWOOD FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Mar 13 2015
NORWOOD FINANCIAL CORP Files SEC form 10-K, Annual Report Mar 13 2015
NORWOOD FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Feb 18 2015
NORWOOD FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jan 30 2015

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