GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Norwood Financial Corp (NAS:NWFL) » Definitions » PS Ratio

Norwood Financial (Norwood Financial) PS Ratio

: 2.71 (As of Today)
View and export this data going back to 1998. Start your Free Trial

The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, Norwood Financial's share price is $23.55. Norwood Financial's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2023 was $8.68. Hence, Norwood Financial's PS Ratio for today is 2.71.

Good Sign:

Norwood Financial Corp stock PS Ratio (=2.76) is close to 10-year low of 2.55

The historical rank and industry rank for Norwood Financial's PS Ratio or its related term are showing as below:

NWFL' s PS Ratio Range Over the Past 10 Years
Min: 2.55   Med: 3.56   Max: 5.79
Current: 2.71

During the past 13 years, Norwood Financial's highest PS Ratio was 5.79. The lowest was 2.55. And the median was 3.56.

NWFL's PS Ratio is ranked worse than
64.05% of 1455 companies
in the Banks industry
Industry Median: 2.36 vs NWFL: 2.71

Norwood Financial's Revenue per Sharefor the three months ended in Dec. 2023 was $2.15. Its Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2023 was $8.68.

Warning Sign:

Norwood Financial Corp revenue per share is in decline over the past 12 months.

During the past 12 months, the average Revenue per Share Growth Rate of Norwood Financial was -9.40% per year. During the past 3 years, the average Revenue per Share Growth Rate was 2.50% per year. During the past 5 years, the average Revenue per Share Growth Rate was 6.10% per year. During the past 10 years, the average Revenue per Share Growth Rate was 6.40% per year.

During the past 13 years, Norwood Financial's highest 3-Year average Revenue per Share Growth Rate was 105.10% per year. The lowest was -1.50% per year. And the median was 5.70% per year.

Back to Basics: PS Ratio


Norwood Financial PS Ratio Historical Data

The historical data trend for Norwood Financial's PS Ratio can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Norwood Financial Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
PS Ratio
Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 5.43 3.25 2.89 3.49 3.79

Norwood Financial Quarterly Data
Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23
PS Ratio Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 3.49 3.12 3.21 2.91 3.79

Competitive Comparison

For the Banks - Regional subindustry, Norwood Financial's PS Ratio, along with its competitors' market caps and PS Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Norwood Financial PS Ratio Distribution

For the Banks industry and Financial Services sector, Norwood Financial's PS Ratio distribution charts can be found below:

* The bar in red indicates where Norwood Financial's PS Ratio falls into.



Norwood Financial PS Ratio Calculation

The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.

Norwood Financial's PS Ratio for today is calculated as

PS Ratio=Share Price/Revenue per Share (TTM)
=23.55/8.677
=2.71

Norwood Financial's Share Price of today is $23.55.
Norwood Financial's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2023 adds up the quarterly data reported by the company within the most recent 12 months, which was $8.68.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

It can also be calculated from the numbers for the whole company:

PS Ratio=Market Cap/Revenue

The Revenue here is for the trailing 12 months.


Norwood Financial  (NAS:NWFL) PS Ratio Explanation

The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.

When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.

Similar to the PE Ratio or Price-to-Operating-Cash-Flow or Price-to-Free-Cash-Flow , the PS Ratio measures the valuation based on the earning power of the company. This is where it is different from the PB Ratio , which measures the valuation based on the company's balance sheet.


Be Aware

The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.


Norwood Financial PS Ratio Related Terms

Thank you for viewing the detailed overview of Norwood Financial's PS Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


Norwood Financial (Norwood Financial) Business Description

Traded in Other Exchanges
N/A
Address
717 Main Street, P.O. Box 269, Honesdale, PA, USA, 18431
Norwood Financial Corp is a U.S.-based bank holding company. It offers various personal and business credit services, trust and investment products, and real estate settlement services to consumers, businesses, nonprofit organizations, and municipalities in each of the communities that the bank serves. The bank also manages automated teller machines at its branch location. It serves the Pennsylvanian counties of Wayne, Pike, Monroe, and Lackawanna, as well as Susquehanna County.
Executives
Andrew Forte director 717 MAIN STREET, HONESDALE PA 18431
James O Donnelly officer: President & CEO 717 MAIN ST, HONESDALE PA 18431
Jeffrey S Gifford director GIFFORD JEFFREY S, 717 MAIN STREET, HONESDALE PA 18431
Joseph W Adams director 717 MAIN STREET, HONESDALE PA 18431
William S Lance officer: EVP & CFO 717 MAIN STREET, HONESDALE PA 18431
John F Carmody officer: EVP & Chief Credit Officer 717 MAIN STREET, HONESDALE PA 18431
Lewis J Critelli director, officer: President & CEO P O BOX 269, 717 MAIN ST, HONESDALE PA 18431
Alexandra K Nolan director NOLAN ALEXANDRA K, 717 MAIN STREET, HONESDALE PA 18431
Robert J Mancuso officer: EVP & Chief Credit Officer 717 MAIN STREET, HONESDALE PA 18431
Vincent O'bell officer: See Remarks 717 MAIN STREET, HONESDALE PA 18431
Davis William W Jr director, officer: Chairman of the Board P O BOX 269, 717 MAIN ST, HONESDALE PA 18431
Kenneth A Phillips director P O BOX 269, 717 MAIN ST, HONESDALE PA 18431
John H Sanders officer: Senior Vice President P O BOX 269, 717 MAIN ST, HONESDALE PA 18431
Susan Campfield director 717 MAIN STREET, HONESDALE PA 18431
Meg L Hungerford director 717 MAIN STREET, HONESDALE PA 18431

Norwood Financial (Norwood Financial) Headlines

From GuruFocus

Norwood Financial Corp (NWFL) EVP & COO Robert J Mancuso Bought $75,600 of Shares

By GuruFocus Research GuruFocus Editor 08-21-2021

Norwood Financial Corp Holds Annual Meeting Of Shareholders

By sperokesalga sperokesalga 04-28-2023

Norwood Financial Corp Increases Cash Dividend

By Value_Insider Value_Insider 12-16-2022

Norwood Financial Corp Increases Cash Dividend

By Marketwired Marketwired 12-10-2020

Norwood Financial Corp Announces Cash Dividend

By Marketwired 09-18-2023

Wayne Bank Ranks Amongst Top Banks in Country

By Marketwired 08-23-2023

Norwood Financial Corp (NWFL) Announces Q3 2023 Earnings

By GuruFocus Research 10-26-2023