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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 : 6/10

vs
industry
vs
history
Cash to Debt 0.14
NWFL's Cash to Debt is ranked lower than
52% of the 1254 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. NWFL: 0.14 )
NWFL' s 10-Year Cash to Debt Range
Min: 0.08   Max: No Debt
Current: 0.14

Equity to Asset 0.13
NWFL's Equity to Asset is ranked higher than
87% of the 1643 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. NWFL: 0.13 )
NWFL' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.14
Current: 0.13

0.09
0.14
Interest Coverage 3.10
NWFL's Interest Coverage is ranked higher than
84% of the 1455 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. NWFL: 3.10 )
NWFL' s 10-Year Interest Coverage Range
Min: 0.42   Max: 3.1
Current: 3.1

0.42
3.1
F-Score: 4
Z-Score: 0.30
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 (%) 36.90
NWFL's Operating margin (%) is ranked higher than
84% of the 1599 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.41 vs. NWFL: 36.90 )
NWFL' s 10-Year Operating margin (%) Range
Min: 28.46   Max: 43.95
Current: 36.9

28.46
43.95
Net-margin (%) 27.96
NWFL's Net-margin (%) is ranked higher than
85% of the 1618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.45 vs. NWFL: 27.96 )
NWFL' s 10-Year Net-margin (%) Range
Min: 15.64   Max: 31.31
Current: 27.96

15.64
31.31
ROE (%) 9.21
NWFL's ROE (%) is ranked higher than
79% of the 1620 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.17 vs. NWFL: 9.21 )
NWFL' s 10-Year ROE (%) Range
Min: 7.91   Max: 13.11
Current: 9.21

7.91
13.11
ROA (%) 1.19
NWFL's ROA (%) is ranked higher than
89% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. NWFL: 1.19 )
NWFL' s 10-Year ROA (%) Range
Min: 0.72   Max: 1.36
Current: 1.19

0.72
1.36
ROC (Joel Greenblatt) (%) 22.72
NWFL's ROC (Joel Greenblatt) (%) is ranked higher than
57% of the 1574 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.99 vs. NWFL: 22.72 )
NWFL' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 22.72   Max: 142.67
Current: 22.72

22.72
142.67
Revenue Growth (%) 2.30
NWFL's Revenue Growth (%) is ranked higher than
79% of the 1437 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. NWFL: 2.30 )
NWFL' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 12.6
Current: 2.3

0
12.6
EBITDA Growth (%) -1.70
NWFL's EBITDA Growth (%) is ranked higher than
61% of the 1277 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. NWFL: -1.70 )
NWFL' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 109.5
Current: -1.7

0
109.5
EPS Growth (%) -1.00
NWFL's EPS Growth (%) is ranked higher than
63% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.80 vs. NWFL: -1.00 )
NWFL' s 10-Year EPS Growth (%) Range
Min: -1   Max: 24
Current: -1

-1
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) 13.00
NWFL's P/E(ttm) is ranked higher than
80% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.40 vs. NWFL: 13.00 )
NWFL' s 10-Year P/E(ttm) Range
Min: 9.31   Max: 19.29
Current: 13

9.31
19.29
P/B 1.10
NWFL's P/B is ranked higher than
73% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. NWFL: 1.10 )
NWFL' s 10-Year P/B Range
Min: 0.89   Max: 2.12
Current: 1.1

0.89
2.12
P/S 3.60
NWFL's P/S is ranked higher than
65% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. NWFL: 3.60 )
NWFL' s 10-Year P/S Range
Min: 2.67   Max: 20.04
Current: 3.6

2.67
20.04
PFCF 9.00
NWFL's PFCF is ranked higher than
79% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.86 vs. NWFL: 9.00 )
NWFL' s 10-Year PFCF Range
Min: 6.54   Max: 24.09
Current: 9

6.54
24.09
EV-to-EBIT 14.70
NWFL's EV-to-EBIT is ranked higher than
76% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.41 vs. NWFL: 14.70 )
NWFL' s 10-Year EV-to-EBIT Range
Min: 9.3   Max: 67.1
Current: 14.7

9.3
67.1
PEG 9.90
NWFL's PEG is ranked higher than
71% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. NWFL: 9.90 )
NWFL' s 10-Year PEG Range
Min: 0.46   Max: 69.13
Current: 9.9

0.46
69.13
Shiller P/E 12.20
NWFL's Shiller P/E is ranked higher than
94% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 140.07 vs. NWFL: 12.20 )
NWFL' s 10-Year Shiller P/E Range
Min: 9.34   Max: 20.86
Current: 12.2

9.34
20.86

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.10
NWFL's Dividend Yield is ranked higher than
80% of the 1402 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.45 vs. NWFL: 4.10 )
NWFL' s 10-Year Dividend Yield Range
Min: 1.89   Max: 4.89
Current: 4.1

1.89
4.89
Dividend Payout 0.52
NWFL's Dividend Payout is ranked higher than
77% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. NWFL: 0.52 )
NWFL' s 10-Year Dividend Payout Range
Min: 0.23   Max: 0.58
Current: 0.52

0.23
0.58
Dividend growth (3y) 4.00
NWFL's Dividend growth (3y) is ranked higher than
74% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.60 vs. NWFL: 4.00 )
NWFL' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 23.5
Current: 4

0
23.5
Yield on cost (5-Year) 4.82
NWFL's Yield on cost (5-Year) is ranked higher than
76% of the 1356 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.64 vs. NWFL: 4.82 )
NWFL' s 10-Year Yield on cost (5-Year) Range
Min: 2.28   Max: 5.89
Current: 4.82

2.28
5.89
Share Buyback Rate -6.10
NWFL's Share Buyback Rate is ranked higher than
61% of the 1237 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. NWFL: -6.10 )
NWFL' s 10-Year Share Buyback Rate Range
Min: 1.9   Max: -6.1
Current: -6.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.30
NWFL's Price/Tangible Book is ranked higher than
73% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. NWFL: 1.30 )
NWFL' s 10-Year Price/Tangible Book Range
Min: 0.96   Max: 2.31
Current: 1.3

0.96
2.31
Price/DCF (Projected) 0.60
NWFL's Price/DCF (Projected) is ranked higher than
84% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.56 vs. NWFL: 0.60 )
NWFL' s 10-Year Price/DCF (Projected) Range
Min: 0.52   Max: 1.1
Current: 0.6

0.52
1.1
Price/Median PS Value 1.00
NWFL's Price/Median PS Value is ranked higher than
82% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. NWFL: 1.00 )
NWFL' s 10-Year Price/Median PS Value Range
Min: 0.51   Max: 5.01
Current: 1

0.51
5.01
Price/Graham Number 0.90
NWFL's Price/Graham Number is ranked higher than
80% of the 1834 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. NWFL: 0.90 )
NWFL' s 10-Year Price/Graham Number Range
Min: 0.58   Max: 1.47
Current: 0.9

0.58
1.47
Earnings Yield (Greenblatt) 6.80
NWFL's Earnings Yield (Greenblatt) is ranked higher than
70% of the 1581 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. NWFL: 6.80 )
NWFL' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.5   Max: 10.7
Current: 6.8

1.5
10.7
Forward Rate of Return (Yacktman) 5.55
NWFL's Forward Rate of Return (Yacktman) is ranked higher than
59% of the 1259 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.45 vs. NWFL: 5.55 )
NWFL' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 3.4   Max: 30.8
Current: 5.55

3.4
30.8

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Norwood Financial Corporation, a Pennsylvania corporation 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. In addition, the Bank operates eleven 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) 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 significant 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 a full range of 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 the Federal Reserve System (Federal Re

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