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Norwood Financial (Norwood Financial) Cyclically Adjusted Price-to-FCF : 8.29 (As of Apr. 27, 2024)


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What is Norwood Financial Cyclically Adjusted Price-to-FCF?

As of today (2024-04-27), Norwood Financial's current share price is $24.37. Norwood Financial's Cyclically Adjusted FCF per Share for the quarter that ended in Dec. 2023 was $2.94. Norwood Financial's Cyclically Adjusted Price-to-FCF for today is 8.29.

The historical rank and industry rank for Norwood Financial's Cyclically Adjusted Price-to-FCF or its related term are showing as below:

NWFL' s Cyclically Adjusted Price-to-FCF Range Over the Past 10 Years
Min: 8.08   Med: 10.68   Max: 18.8
Current: 8.19

During the past years, Norwood Financial's highest Cyclically Adjusted Price-to-FCF was 18.80. The lowest was 8.08. And the median was 10.68.

NWFL's Cyclically Adjusted Price-to-FCF is ranked worse than
56.85% of 832 companies
in the Banks industry
Industry Median: 7.405 vs NWFL: 8.19

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 adjusted free cash flow per share data for the three months ended in Dec. 2023 was $0.716. Add all the adjusted free cash flow per share for the past 10 years together and divide 10 will get our Cyclically Adjusted FCF per Share, which is $2.94 for the trailing ten years ended in Dec. 2023.

Shiller PE for Stocks: The True Measure of Stock Valuation


Norwood Financial Cyclically Adjusted Price-to-FCF Historical Data

The historical data trend for Norwood Financial's Cyclically Adjusted Price-to-FCF 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 Price-to-FCF Chart

Norwood Financial Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Cyclically Adjusted Price-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 16.86 11.48 10.26 12.00 11.21

Norwood Financial Quarterly Data
Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24
Cyclically Adjusted Price-to-FCF 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 10.19 10.11 8.74 11.21 -

Competitive Comparison of Norwood Financial's Cyclically Adjusted Price-to-FCF

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.



Norwood Financial Cyclically Adjusted Price-to-FCF Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted Price-to-FCF takes the Free Cash Flow per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/FCF calculation. Because it considers this 10-year average, it's often referred to as the CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF.

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

Cyclically Adjusted Price-to-FCF=Share Price/ Cyclically Adjusted FCF per Share
=24.37/2.94
=8.29

* 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.

Norwood Financial's Cyclically Adjusted FCF per Share for the quarter that ended in Dec. 2023 is calculated as:

For example, Norwood Financial's adjusted Free Cash Flow per Share data for the three months ended in Dec. 2023 was:

Adj_FreeCashFlowPerShare=Free Cash Flow per Share/CPI of Dec. 2023 (Change)*Current CPI (Dec. 2023)
=0.716/129.4194*129.4194
=0.716

Current CPI (Dec. 2023) = 129.4194.

Norwood Financial Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201403 0.451 99.695 0.585
201406 0.384 100.560 0.494
201409 0.553 100.428 0.713
201412 0.495 99.070 0.647
201503 0.465 99.621 0.604
201506 0.445 100.684 0.572
201509 0.542 100.392 0.699
201512 0.393 99.792 0.510
201603 0.466 100.470 0.600
201606 0.327 101.688 0.416
201609 0.539 101.861 0.685
201612 0.520 101.863 0.661
201703 0.510 102.862 0.642
201706 0.862 103.349 1.079
201709 0.537 104.136 0.667
201712 0.392 104.011 0.488
201803 0.300 105.290 0.369
201806 1.092 106.317 1.329
201809 0.749 106.507 0.910
201812 0.474 105.998 0.579
201903 0.589 107.251 0.711
201906 0.814 108.070 0.975
201909 0.759 108.329 0.907
201912 0.496 108.420 0.592
202003 0.699 108.902 0.831
202006 -0.672 108.767 -0.800
202009 1.030 109.815 1.214
202012 0.556 109.897 0.655
202103 0.893 111.754 1.034
202106 0.868 114.631 0.980
202109 0.942 115.734 1.053
202112 0.703 117.630 0.773
202203 1.133 121.301 1.209
202206 0.691 125.017 0.715
202209 1.003 125.227 1.037
202212 0.669 125.222 0.691
202303 1.229 127.348 1.249
202306 0.736 128.729 0.740
202309 0.829 129.860 0.826
202312 0.716 129.419 0.716

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


Norwood Financial  (NAS:NWFL) Cyclically Adjusted Price-to-FCF Explanation

Compared with the regular Price-to-Free-Cash-Flow, which works poorly for cyclical businesses, the Cyclically Adjusted Price-to-FCF smoothed out the fluctuations of free cash flow during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted Price-to-FCF should give similar results to regular Price-to-Free-Cash-Flow.


Norwood Financial Cyclically Adjusted Price-to-FCF Related Terms

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


Norwood Financial (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
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

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