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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.27
NWFL's Cash-to-Debt is ranked lower than
83% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.88 vs. NWFL: 0.27 )
Ranked among companies with meaningful Cash-to-Debt only.
NWFL' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.08  Med: 0.25 Max: 1.56
Current: 0.27
0.08
1.56
Equity-to-Asset 0.10
NWFL's Equity-to-Asset is ranked higher than
51% of the 1372 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. NWFL: 0.10 )
Ranked among companies with meaningful Equity-to-Asset only.
NWFL' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.09  Med: 0.11 Max: 0.14
Current: 0.1
0.09
0.14
Interest Coverage 2.35
NWFL's Interest Coverage is ranked higher than
60% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. NWFL: 2.35 )
Ranked among companies with meaningful Interest Coverage only.
NWFL' s Interest Coverage Range Over the Past 10 Years
Min: 0.76  Med: 2.12 Max: 3.2
Current: 2.35
0.76
3.2
Piotroski F-Score: 6
Beneish M-Score: -1.74
WACC vs ROIC
4.33%
3.93%
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 : 7/10

vs
industry
vs
history
Operating Margin % 25.45
NWFL's Operating Margin % is ranked lower than
63% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.69 vs. NWFL: 25.45 )
Ranked among companies with meaningful Operating Margin % only.
NWFL' s Operating Margin % Range Over the Past 10 Years
Min: 25.45  Med: 37.52 Max: 43.95
Current: 25.45
25.45
43.95
Net Margin % 19.88
NWFL's Net Margin % is ranked lower than
59% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.17 vs. NWFL: 19.88 )
Ranked among companies with meaningful Net Margin % only.
NWFL' s Net Margin % Range Over the Past 10 Years
Min: 19.87  Med: 28 Max: 31.31
Current: 19.88
19.87
31.31
ROE % 6.27
NWFL's ROE % is ranked lower than
66% of the 1380 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.35 vs. NWFL: 6.27 )
Ranked among companies with meaningful ROE % only.
NWFL' s ROE % Range Over the Past 10 Years
Min: 5.91  Med: 9.38 Max: 12.05
Current: 6.27
5.91
12.05
ROA % 0.74
NWFL's ROA % is ranked lower than
59% of the 1387 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. NWFL: 0.74 )
Ranked among companies with meaningful ROA % only.
NWFL' s ROA % Range Over the Past 10 Years
Min: 0.72  Med: 1.24 Max: 1.39
Current: 0.74
0.72
1.39
3-Year Revenue Growth Rate 1.50
NWFL's 3-Year Revenue Growth Rate is ranked lower than
63% of the 1247 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.90 vs. NWFL: 1.50 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NWFL' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -1.5  Med: 3 Max: 8.6
Current: 1.5
-1.5
8.6
3-Year EBITDA Growth Rate -12.20
NWFL's 3-Year EBITDA Growth Rate is ranked lower than
88% of the 1158 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.00 vs. NWFL: -12.20 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
NWFL' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -12.9  Med: 2.8 Max: 9.2
Current: -12.2
-12.9
9.2
3-Year EPS without NRI Growth Rate -9.40
NWFL's 3-Year EPS without NRI Growth Rate is ranked lower than
84% of the 1132 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. NWFL: -9.40 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NWFL' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -11.8  Med: 4.7 Max: 12.3
Current: -9.4
-11.8
12.3
GuruFocus has detected 5 Warning Signs with Norwood Financial Corp $NWFL.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NWFL's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

NWFL Guru Trades in Q1 2016

Charles Brandes 8,675 sh (New)
» More
Q2 2016

NWFL Guru Trades in Q2 2016

Charles Brandes 10,427 sh (+20.20%)
» More
Q3 2016

NWFL Guru Trades in Q3 2016

Charles Brandes 10,427 sh (unchged)
» More
Q4 2016

NWFL Guru Trades in Q4 2016

Charles Brandes 10,427 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with NWFL

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:PEBK, NAS:TRCB, NAS:TCFC, OTCPK:HCFB, NAS:FCCY, NAS:SMBK, NAS:CFNB, NAS:PKBK, OTCPK:BERK, NAS:DNBF, NAS:CLBH, NAS:BCBP, NAS:CFFI, NYSE:MSL, NAS:OPOF, NAS:EVBS, OTCPK:CWBB, NAS:FCCO, OTCBB:FKYS, NAS:BOCH » details
Norwood Financial Corp is the holding company for Wayne Bank. It offers a range of personal and business credit services and trust and investment products and real estate settlement services.

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

Ratios

vs
industry
vs
history
PE Ratio 21.23
NWFL's PE Ratio is ranked lower than
77% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.29 vs. NWFL: 21.23 )
Ranked among companies with meaningful PE Ratio only.
NWFL' s PE Ratio Range Over the Past 10 Years
Min: 9.31  Med: 12.73 Max: 27.84
Current: 21.23
9.31
27.84
PE Ratio without NRI 21.23
NWFL's PE Ratio without NRI is ranked lower than
77% of the 1296 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.49 vs. NWFL: 21.23 )
Ranked among companies with meaningful PE Ratio without NRI only.
NWFL' s PE Ratio without NRI Range Over the Past 10 Years
Min: 9.32  Med: 12.73 Max: 27.84
Current: 21.23
9.32
27.84
Price-to-Owner-Earnings 18.94
NWFL's Price-to-Owner-Earnings is ranked lower than
64% of the 826 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.11 vs. NWFL: 18.94 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
NWFL' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 7.37  Med: 12.11 Max: 29.58
Current: 18.94
7.37
29.58
PB Ratio 1.38
NWFL's PB Ratio is ranked lower than
63% of the 1391 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. NWFL: 1.38 )
Ranked among companies with meaningful PB Ratio only.
NWFL' s PB Ratio Range Over the Past 10 Years
Min: 0.89  Med: 1.13 Max: 1.94
Current: 1.38
0.89
1.94
PS Ratio 4.24
NWFL's PS Ratio is ranked lower than
69% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.34 vs. NWFL: 4.24 )
Ranked among companies with meaningful PS Ratio only.
NWFL' s PS Ratio Range Over the Past 10 Years
Min: 2.67  Med: 3.54 Max: 20.01
Current: 4.24
2.67
20.01
Price-to-Free-Cash-Flow 18.36
NWFL's Price-to-Free-Cash-Flow is ranked lower than
61% of the 773 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.10 vs. NWFL: 18.36 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
NWFL' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 6.56  Med: 10.21 Max: 25.98
Current: 18.36
6.56
25.98
Price-to-Operating-Cash-Flow 17.62
NWFL's Price-to-Operating-Cash-Flow is ranked lower than
66% of the 824 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.79 vs. NWFL: 17.62 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
NWFL' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 6.48  Med: 9.93 Max: 24
Current: 17.62
6.48
24
EV-to-EBIT 23.32
NWFL's EV-to-EBIT is ranked lower than
78% of the 1066 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.64 vs. NWFL: 23.32 )
Ranked among companies with meaningful EV-to-EBIT only.
NWFL' s EV-to-EBIT Range Over the Past 10 Years
Min: 9.9  Med: 13.8 Max: 67.1
Current: 23.32
9.9
67.1
EV-to-EBITDA 21.87
NWFL's EV-to-EBITDA is ranked lower than
80% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.46 vs. NWFL: 21.87 )
Ranked among companies with meaningful EV-to-EBITDA only.
NWFL' s EV-to-EBITDA Range Over the Past 10 Years
Min: 9.3  Med: 12.9 Max: 60
Current: 21.87
9.3
60
Shiller PE Ratio 16.20
NWFL's Shiller PE Ratio is ranked higher than
68% of the 490 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.81 vs. NWFL: 16.20 )
Ranked among companies with meaningful Shiller PE Ratio only.
NWFL' s Shiller PE Ratio Range Over the Past 10 Years
Min: 10.04  Med: 12.55 Max: 18.63
Current: 16.2
10.04
18.63

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 3.41
NWFL's Dividend Yield % is ranked higher than
62% of the 2324 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.67 vs. NWFL: 3.41 )
Ranked among companies with meaningful Dividend Yield % only.
NWFL' s Dividend Yield % Range Over the Past 10 Years
Min: 2.13  Med: 4 Max: 4.89
Current: 3.41
2.13
4.89
Dividend Payout Ratio 1.05
NWFL's Dividend Payout Ratio is ranked lower than
96% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. NWFL: 1.05 )
Ranked among companies with meaningful Dividend Payout Ratio only.
NWFL' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.4  Med: 0.48 Max: 1.05
Current: 1.05
0.4
1.05
3-Year Dividend Growth Rate 2.70
NWFL's 3-Year Dividend Growth Rate is ranked lower than
70% of the 755 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.70 vs. NWFL: 2.70 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
NWFL' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 7 Max: 18.6
Current: 2.7
0
18.6
Forward Dividend Yield % 3.44
NWFL's Forward Dividend Yield % is ranked higher than
60% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.84 vs. NWFL: 3.44 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 4.00
NWFL's 5-Year Yield-on-Cost % is ranked higher than
59% of the 2647 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.35 vs. NWFL: 4.00 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
NWFL' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.53  Med: 4.75 Max: 5.81
Current: 4
2.53
5.81
3-Year Average Share Buyback Ratio -4.60
NWFL's 3-Year Average Share Buyback Ratio is ranked lower than
64% of the 977 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. NWFL: -4.60 )
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: -6.2  Med: -0.6 Max: 1.1
Current: -4.6
-6.2
1.1

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.55
NWFL's Price-to-Tangible-Book is ranked lower than
65% of the 1384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. NWFL: 1.55 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
NWFL' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.96  Med: 1.31 Max: 2.08
Current: 1.55
0.96
2.08
Price-to-Intrinsic-Value-Projected-FCF 0.82
NWFL's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
50% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.83 vs. NWFL: 0.82 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
NWFL' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.57  Med: 0.68 Max: 1.08
Current: 0.82
0.57
1.08
Price-to-Median-PS-Value 1.20
NWFL's Price-to-Median-PS-Value is ranked lower than
52% of the 1288 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. NWFL: 1.20 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
NWFL' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.53  Med: 0.96 Max: 5.5
Current: 1.2
0.53
5.5
Price-to-Graham-Number 1.21
NWFL's Price-to-Graham-Number is ranked lower than
70% of the 1224 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. NWFL: 1.21 )
Ranked among companies with meaningful Price-to-Graham-Number only.
NWFL' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.56  Med: 0.85 Max: 1.33
Current: 1.21
0.56
1.33
Earnings Yield (Greenblatt) % 4.25
NWFL's Earnings Yield (Greenblatt) % is ranked lower than
60% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.60 vs. NWFL: 4.25 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
NWFL' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 1.5  Med: 7.3 Max: 10.1
Current: 4.25
1.5
10.1
Forward Rate of Return (Yacktman) % -2.14
NWFL's Forward Rate of Return (Yacktman) % is ranked lower than
83% of the 881 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.03 vs. NWFL: -2.14 )
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: -7.4  Med: 9.1 Max: 37.6
Current: -2.14
-7.4
37.6

More Statistics

Revenue (TTM) (Mil) $33.77
EPS (TTM) $ 1.73
Beta0.31
Short Percentage of Float0.21%
52-Week Range $26.25 - 40.00
Shares Outstanding (Mil)4.16
» 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. :NWFL-US: Earnings Analysis: Q4, 2016 By the Numbers : February 1, 2017 Feb 01 2017
Norwood Financial Corp. :NWFL-US: Earnings Analysis: 2016 By the Numbers : January 31, 2017 Jan 31 2017
NORWOOD FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jan 27 2017
Norwood Financial posts 4Q profit Jan 27 2017
Norwood Financial posts 4Q profit Jan 27 2017
Norwood Financial Corp Announces Earnings for the Fourth Quarter and Year Jan 27 2017
NORWOOD FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jan 13 2017
Norwood Financial Corp Appoints William W. Davis, Jr. as Chairman Jan 13 2017
NORWOOD FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Dec 16 2016
Norwood Financial Corp Announces Cash Dividend Dec 16 2016
NORWOOD FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers Nov 18 2016
NORWOOD FINANCIAL CORP Financials Nov 17 2016
NORWOOD FINANCIAL CORP Files SEC form 10-Q, Quarterly Report Nov 09 2016
Norwood Financial Corp. :NWFL-US: Earnings Analysis: Q3, 2016 By the Numbers : October 27, 2016 Oct 27 2016
NORWOOD FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Oct 26 2016
Norwood Financial Corp. : NWFL-US: Dividend Analysis : October 14th, 2016 (record date) : By the... Oct 26 2016
NORWOOD FINANCIAL CORP Files SEC form 8-K/A, Financial Statements and Exhibits Oct 17 2016
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Norwood Financial Corp. : NWFL-US: Dividend Analysis : July 15th, 2016 (record date) : By the... Oct 11 2016
NORWOOD FINANCIAL CORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Sep 30 2016

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