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

NWFL POWR Grades

• Stability is the dimension where NWFL ranks best; there it ranks ahead of 97.17% of US stocks.
• The strongest trend for NWFL is in Quality, which has been heading down over the past 155 days.
• NWFL's current lowest rank is in the Quality metric (where it is better than 25.22% of US stocks).

NWFL Stock Summary

• NWFL's equity multiplier -- a measure of assets relative to shareholders'equity -- is greater than that of 93.85% of US stocks.
• With a year-over-year growth in debt of 46.68%, NORWOOD FINANCIAL CORP's debt growth rate surpasses 81.04% 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 -13.29%, greater than the shareholder yield of only 22.98% of stocks in our set.
• Stocks that are quantitatively similar to NWFL, based on their financial statements, market capitalization, and price volatility, are TCFC, PBHC, MGYR, UVSP, and TCBX.
• NWFL's SEC filings can be seen here. And to visit NORWOOD FINANCIAL CORP's official web site, go to www.waynebank.com.

NWFL Valuation Summary

• In comparison to the median Financial Services stock, NWFL's price/sales ratio is 24% higher, now standing at 3.1.
• NWFL's price/earnings ratio has moved down 4.1 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.