Norwood Financial Corp. (NWFL): Price and Financial Metrics

NWFL POWR Grades

• NWFL scores best on the Stability dimension, with a Stability rank ahead of 88.13% of US stocks.
• NWFL's strongest trending metric is Quality; it's been moving up over the last 177 days.
• NWFL's current lowest rank is in the Growth metric (where it is better than 13.95% of US stocks).

NWFL Stock Summary

• Equity multiplier, or assets relative to shareholders' equity, comes in at 12.43 for NORWOOD FINANCIAL CORP; that's greater than it is for 93.82% of US stocks.
• With a year-over-year growth in debt of 236.33%, NORWOOD FINANCIAL CORP's debt growth rate surpasses 95.92% of about US stocks.
• NORWOOD FINANCIAL CORP's shareholder yield -- a measure of how much capital is returned to stockholders via dividends and buybacks -- is -67.27%, greater than the shareholder yield of merely 6.91% of stocks in our set.
• If you're looking for stocks that are quantitatively similar to NORWOOD FINANCIAL CORP, a group of peers worth examining would be SFST, WNEB, EBMT, CIVB, and PWOD.
• Visit NWFL's SEC page to see the company's official filings. To visit the company's web site, go to www.waynebank.com.

NWFL Valuation Summary

• In comparison to the median Financial Services stock, NWFL's EV/EBIT ratio is 25% higher, now standing at 14.
• NWFL's price/earnings ratio has moved down 6 over the prior 243 months.

Below are key valuation metrics over time for NWFL.

NWFL Growth Metrics

Its 2 year price growth rate is now at 10.12%.
• The 2 year net cashflow from operations growth rate now stands at 65.97%.
• Its 3 year net cashflow from operations growth rate is now at 58.97%.

NWFL's revenue has moved up $34,874,000 over the prior 49 months.

The table below shows NWFL's growth in key financial areas (numbers in millions of US dollars).

Date	Revenue	Operating Cash Flow	Net Income to Common Stock
2022-09-30	76.637	30.58	28.73
2022-06-30	74.656	29.83	27.602
2022-03-31	72.313	31.046	26.502
2021-12-31	69.438	29.198	24.915
2021-09-30	68.047	27.779	23.791
2021-06-30	65.232	28.077	21.809

NWFL's Quality Factors

The “Quality” component of the POWR Ratings focuses on 31 different factors of a companies fundamentals and operational strength. Here are some key insights as we drill into the specifics of these quality attributes.

• NWFL has a Quality Grade of C, ranking ahead of 30.04% of graded US stocks.
• NWFL's asset turnover comes in at 0.034 -- ranking 313th of 437 Banking stocks.
• PBCT, THFF, and MBWM are the stocks whose asset turnover ratios are most correlated with NWFL.

The table below shows NWFL's key quality metrics over time.