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NWFL (Norwood Financial) Cyclically Adjusted FCF per Share : $3.01 (As of Dec. 2024)


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What is Norwood Financial Cyclically Adjusted FCF per Share?

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Norwood Financial's adjusted free cash flow per share for the three months ended in Dec. 2024 was $0.407. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is $3.01 for the trailing ten years ended in Dec. 2024.

During the past 12 months, Norwood Financial's average Cyclically Adjusted FCF Growth Rate was 2.40% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 6.00% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 6.40% per year. During the past 10 years, the average Cyclically Adjusted FCF Growth Rate was 5.50% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Norwood Financial was 8.80% per year. The lowest was -0.70% per year. And the median was 4.10% per year.

As of today (2025-04-30), Norwood Financial's current stock price is $24.78. Norwood Financial's Cyclically Adjusted FCF per Share for the quarter that ended in Dec. 2024 was $3.01. Norwood Financial's Cyclically Adjusted Price-to-FCF of today is 8.23.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Norwood Financial was 18.80. The lowest was 7.39. And the median was 10.75.


Norwood Financial Cyclically Adjusted FCF per Share Historical Data

The historical data trend for Norwood Financial's Cyclically Adjusted FCF per Share 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 Cyclically Adjusted FCF per Share Chart

Norwood Financial Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.28 2.53 2.79 2.94 3.01

Norwood Financial Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial 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 2.98 3.05 3.04 3.01 -

Competitive Comparison of Norwood Financial's Cyclically Adjusted FCF per Share

For the Banks - Regional subindustry, Norwood Financial's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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's Cyclically Adjusted Price-to-FCF Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Norwood Financial's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Norwood Financial's Cyclically Adjusted Price-to-FCF falls into.


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Norwood Financial Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Norwood Financial's adjusted Free Cash Flow per Share data for the three months ended in Dec. 2024 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Dec. 2024 (Change)*Current CPI (Dec. 2024)
=0.407/133.1571*133.1571
=0.407

Current CPI (Dec. 2024) = 133.1571.

Norwood Financial Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201503 0.465 99.621 0.622
201506 0.445 100.684 0.589
201509 0.542 100.392 0.719
201512 0.393 99.792 0.524
201603 0.466 100.470 0.618
201606 0.327 101.688 0.428
201609 0.539 101.861 0.705
201612 0.520 101.863 0.680
201703 0.510 102.862 0.660
201706 0.862 103.349 1.111
201709 0.537 104.136 0.687
201712 0.392 104.011 0.502
201803 0.300 105.290 0.379
201806 1.092 106.317 1.368
201809 0.749 106.507 0.936
201812 0.474 105.998 0.595
201903 0.589 107.251 0.731
201906 0.814 108.070 1.003
201909 0.759 108.329 0.933
201912 0.496 108.420 0.609
202003 0.699 108.902 0.855
202006 -0.672 108.767 -0.823
202009 1.030 109.815 1.249
202012 0.556 109.897 0.674
202103 0.893 111.754 1.064
202106 0.868 114.631 1.008
202109 0.942 115.734 1.084
202112 0.703 117.630 0.796
202203 1.133 121.301 1.244
202206 0.691 125.017 0.736
202209 1.003 125.227 1.067
202212 0.669 125.222 0.711
202303 1.229 127.348 1.285
202306 0.736 128.729 0.761
202309 0.829 129.860 0.850
202312 0.716 129.419 0.737
202403 0.458 131.776 0.463
202406 1.065 132.554 1.070
202409 0.506 133.029 0.506
202412 0.407 133.157 0.407

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.


Norwood Financial  (NAS:NWFL) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Norwood Financial's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=24.78/3.01
=8.23

* 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.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Norwood Financial was 18.80. The lowest was 7.39. And the median was 10.75.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Norwood Financial Cyclically Adjusted FCF per Share Related Terms

Thank you for viewing the detailed overview of Norwood Financial's Cyclically Adjusted FCF per Share provided by GuruFocus.com. Please click on the following links to see related term pages.


Norwood Financial Business Description

Industry
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
Vincent O'bell officer: See Remarks 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
Andrew Forte director 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
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
James F Burke officer: EVP & Chief Lending Officer FNCB BANCORP, INC., 102 E. DRINKER ST., DUNMORE PA 18512