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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 0.11
NWFL's Cash to Debt is ranked lower than
86% of the 1075 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.50 vs. NWFL: 0.11 )
Ranked among companies with meaningful Cash to Debt only.
NWFL' s Cash to Debt Range Over the Past 10 Years
Min: 0.08  Med: 0.26 Max: N/A
Current: 0.11
Equity to Asset 0.14
NWFL's Equity to Asset is ranked higher than
81% of the 1536 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. NWFL: 0.14 )
Ranked among companies with meaningful Equity to Asset only.
NWFL' s Equity to Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.11 Max: 0.14
Current: 0.14
0.08
0.14
Interest Coverage 2.32
NWFL's Interest Coverage is ranked higher than
64% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.89 vs. NWFL: 2.32 )
Ranked among companies with meaningful Interest Coverage only.
NWFL' s Interest Coverage Range Over the Past 10 Years
Min: 0.76  Med: 1.79 Max: 9999.99
Current: 2.32
0.76
9999.99
F-Score: 3
WACC vs ROIC
3.66%
3.83%
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 (%) 25.81
NWFL's Operating margin (%) is ranked higher than
57% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.52 vs. NWFL: 25.81 )
Ranked among companies with meaningful Operating margin (%) only.
NWFL' s Operating margin (%) Range Over the Past 10 Years
Min: 34.59  Med: 38.17 Max: 43.95
Current: 25.81
34.59
43.95
Net-margin (%) 20.22
NWFL's Net-margin (%) is ranked higher than
61% of the 1550 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.98 vs. NWFL: 20.22 )
Ranked among companies with meaningful Net-margin (%) only.
NWFL' s Net-margin (%) Range Over the Past 10 Years
Min: 25.81  Med: 28.83 Max: 31.31
Current: 20.22
25.81
31.31
ROE (%) 5.88
NWFL's ROE (%) is ranked lower than
57% of the 1546 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.24 vs. NWFL: 5.88 )
Ranked among companies with meaningful ROE (%) only.
NWFL' s ROE (%) Range Over the Past 10 Years
Min: 8.02  Med: 11.07 Max: 12.05
Current: 5.88
8.02
12.05
ROA (%) 0.80
NWFL's ROA (%) is ranked higher than
61% of the 1556 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. NWFL: 0.80 )
Ranked among companies with meaningful ROA (%) only.
NWFL' s ROA (%) Range Over the Past 10 Years
Min: 1.08  Med: 1.33 Max: 1.39
Current: 0.8
1.08
1.39
Revenue Growth (3Y)(%) -100.00
NWFL's Revenue Growth (3Y)(%) is ranked lower than
64% of the 1283 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. NWFL: -100.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NWFL' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -100  Med: 4.70 Max: 59.2
Current: -100
-100
59.2
EBITDA Growth (3Y)(%) -100.00
NWFL's EBITDA Growth (3Y)(%) is ranked lower than
74% of the 1151 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.80 vs. NWFL: -100.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NWFL' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -100  Med: 3.90 Max: 9.3
Current: -100
-100
9.3
EPS Growth (3Y)(%) -100.00
NWFL's EPS Growth (3Y)(%) is ranked lower than
74% of the 1151 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.30 vs. NWFL: -100.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NWFL' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -100  Med: 6.20 Max: 23.7
Current: -100
-100
23.7
» 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) 14.45
NWFL's P/E(ttm) is ranked lower than
68% of the 2209 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.47 vs. NWFL: 14.45 )
Ranked among companies with meaningful P/E(ttm) only.
NWFL' s P/E(ttm) Range Over the Past 10 Years
Min: 9.31  Med: 12.75 Max: 18.09
Current: 14.45
9.31
18.09
Forward P/E 10.45
NWFL's Forward P/E is ranked lower than
61% of the 1333 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.51 vs. NWFL: 10.45 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 14.35
NWFL's PE(NRI) is ranked lower than
62% of the 1659 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.35 vs. NWFL: 14.35 )
Ranked among companies with meaningful PE(NRI) only.
NWFL' s PE(NRI) Range Over the Past 10 Years
Min: 9.32  Med: 12.73 Max: 18.19
Current: 14.35
9.32
18.19
P/B 1.03
NWFL's P/B is ranked lower than
55% of the 2221 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.97 vs. NWFL: 1.03 )
Ranked among companies with meaningful P/B only.
NWFL' s P/B Range Over the Past 10 Years
Min: 0.89  Med: 1.15 Max: 1.98
Current: 1.03
0.89
1.98
P/S 3.58
NWFL's P/S is ranked lower than
74% of the 2389 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.51 vs. NWFL: 3.58 )
Ranked among companies with meaningful P/S only.
NWFL' s P/S Range Over the Past 10 Years
Min: 2.67  Med: 3.56 Max: 20.04
Current: 3.58
2.67
20.04
PFCF 9.76
NWFL's PFCF is ranked lower than
56% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.35 vs. NWFL: 9.76 )
Ranked among companies with meaningful PFCF only.
NWFL' s PFCF Range Over the Past 10 Years
Min: 6.54  Med: 10.26 Max: 49.76
Current: 9.76
6.54
49.76
POCF 9.53
NWFL's POCF is ranked lower than
62% of the 1551 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.14 vs. NWFL: 9.53 )
Ranked among companies with meaningful POCF only.
NWFL' s POCF Range Over the Past 10 Years
Min: 6.48  Med: 10.00 Max: 46.55
Current: 9.53
6.48
46.55
EV-to-EBIT 10.80
NWFL's EV-to-EBIT is ranked higher than
58% of the 2133 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.24 vs. NWFL: 10.80 )
Ranked among companies with meaningful EV-to-EBIT only.
NWFL' s EV-to-EBIT Range Over the Past 10 Years
Min: 9.9  Med: 13.80 Max: 70.9
Current: 10.8
9.9
70.9
EV-to-EBITDA 10.12
NWFL's EV-to-EBITDA is ranked higher than
57% of the 2139 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.06 vs. NWFL: 10.12 )
Ranked among companies with meaningful EV-to-EBITDA only.
NWFL' s EV-to-EBITDA Range Over the Past 10 Years
Min: 9.3  Med: 12.90 Max: 61.4
Current: 10.12
9.3
61.4
Shiller P/E 12.17
NWFL's Shiller P/E is ranked higher than
73% of the 635 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.92 vs. NWFL: 12.17 )
Ranked among companies with meaningful Shiller P/E only.
NWFL' s Shiller P/E Range Over the Past 10 Years
Min: 10.09  Med: 12.57 Max: 19.25
Current: 12.17
10.09
19.25

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.35
NWFL's Dividend Yield is ranked higher than
72% of the 2363 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.00 vs. NWFL: 4.35 )
Ranked among companies with meaningful Dividend Yield only.
NWFL' s Dividend Yield Range Over the Past 10 Years
Min: 2.04  Med: 3.92 Max: 4.89
Current: 4.35
2.04
4.89
Dividend Payout 0.61
NWFL's Dividend Payout is ranked lower than
82% of the 1434 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. NWFL: 0.61 )
Ranked among companies with meaningful Dividend Payout only.
NWFL' s Dividend Payout Range Over the Past 10 Years
Min: 0.22  Med: 0.40 Max: 0.57
Current: 0.61
0.22
0.57
Dividend Growth (3y) -100.00
NWFL's Dividend Growth (3y) is ranked lower than
57% of the 715 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.30 vs. NWFL: -100.00 )
Ranked among companies with meaningful Dividend Growth (3y) only.
NWFL' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 7.00 Max: 23.5
Current: -100
0
23.5
Forward Dividend Yield 4.35
NWFL's Forward Dividend Yield is ranked higher than
71% of the 2153 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.00 vs. NWFL: 4.35 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 4.35
NWFL's Yield on cost (5-Year) is ranked higher than
70% of the 2367 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. NWFL: 4.35 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
NWFL' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 2.04  Med: 3.92 Max: 4.89
Current: 4.35
2.04
4.89
3-Year Average Share Buyback Ratio -0.60
NWFL's 3-Year Average Share Buyback Ratio is ranked lower than
55% of the 1056 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. NWFL: -0.60 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
NWFL' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -6.1  Med: -0.80 Max: 1.1
Current: -0.6
-6.1
1.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.15
NWFL's Price/Tangible Book is ranked lower than
55% of the 2110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. NWFL: 1.15 )
Ranked among companies with meaningful Price/Tangible Book only.
NWFL' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.96  Med: 1.30 Max: 2.08
Current: 1.15
0.96
2.08
Price/Projected FCF 0.60
NWFL's Price/Projected FCF is ranked higher than
55% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.64 vs. NWFL: 0.60 )
Ranked among companies with meaningful Price/Projected FCF only.
NWFL' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.61  Med: 0.74 Max: 1.15
Current: 0.6
0.61
1.15
Price/Median PS Value 1.01
NWFL's Price/Median PS Value is ranked lower than
59% of the 2020 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. NWFL: 1.01 )
Ranked among companies with meaningful Price/Median PS Value only.
NWFL' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.67  Med: 0.96 Max: 5.44
Current: 1.01
0.67
5.44
Price/Graham Number 0.96
NWFL's Price/Graham Number is ranked lower than
70% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. NWFL: 0.96 )
Ranked among companies with meaningful Price/Graham Number only.
NWFL' s Price/Graham Number Range Over the Past 10 Years
Min: 0.56  Med: 0.83 Max: 1.33
Current: 0.96
0.56
1.33
Earnings Yield (Greenblatt) (%) 9.27
NWFL's Earnings Yield (Greenblatt) (%) is ranked lower than
58% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. NWFL: 9.27 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
NWFL' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.4  Med: 7.30 Max: 10.1
Current: 9.27
1.4
10.1
Forward Rate of Return (Yacktman) (%) 8.77
NWFL's Forward Rate of Return (Yacktman) (%) is ranked lower than
62% of the 818 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.68 vs. NWFL: 8.77 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
NWFL' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -2.3  Med: 9.20 Max: 36.4
Current: 8.77
-2.3
36.4

More Statistics

Revenue(Mil) $29
EPS $ 1.60
Beta0.01
Short Percentage of Float0.15%
52-Week Range $26.50 - 31.00
Shares Outstanding(Mil)3.68

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 
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 
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. Earnings Analysis: 2015 By the Numbers Feb 04 2016
Norwood Financial posts 4Q profit Jan 29 2016
Norwood Financial posts 4Q profit Jan 29 2016
NORWOOD FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jan 29 2016
Norwood Financial Corp Announces Earnings for the Fourth Quarter and Year Jan 29 2016
January 13, 2016: Wayne Bank Offers 7 Tips to Prevent Tax ID Fraud Jan 13 2016
January 11, 2016: Wayne Bank Hires Monroe County Regional Community Office Manager Jan 13 2016
December 14, 2015: Wayne Bank Promotes Monroe County Customer Service Representative to Assistant... Dec 22 2015
December 14, 2015: Wayne Bank Promotes Bank Controller Nancy A. Hart to Senior Vice President Dec 18 2015
December 17, 2015: Wayne Bank Presents Kayla Dixon with the Presidential Award for Excellence Dec 18 2015
NORWOOD FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Dec 11 2015
Norwood Financial Corp Announces Cash Dividend Dec 11 2015
NORWOOD FINANCIAL CORP Financials Dec 08 2015
November 4, 2015: Wayne Bank Hires Lackawanna County Business Lending Officer Dec 03 2015
November 10, 2015: Norwood Financial Corp and Wayne Bank Appoint Joseph W. Adams to the Board of... Dec 03 2015
NORWOOD FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Nov 12 2015
Norwood Financial Corp and Wayne Bank Appoint Joseph W. Adams to the Board of Directors Nov 12 2015
NORWOOD FINANCIAL CORP Files SEC form 10-Q, Quarterly Report Nov 06 2015
Norwood Financial posts 3Q profit Oct 30 2015
Norwood Financial posts 3Q profit Oct 30 2015

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