Norwood Financial Corp.
General ticker "NWFL" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $224.6M (TTM average)
Norwood Financial Corp. follows the US Stock Market performance with the rate: 51.1%.
Estimated limits based on current volatility of 1.6%: low 28.93$, high 29.88$
Factors to consider:
- Company pays dividends (quarterly): last record date 2026-01-15, amount 0.32$ (Y4.40%)
- Total employees count: 271 (+2.3%) as of 2024
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Interest rate fluctuations, Lending risk, Liquidity and credit risks, Real estate market risks, Municipal financing risk
- Price in estimated range
- Earnings for 12 months up through Q4 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2024-12-31 to 2026-12-31
- 2024-12-31 to 2025-12-31 estimated range: [24.24$, 32.81$]
- 2025-12-31 to 2026-12-31 estimated range: [23.70$, 32.46$]
Financial Metrics affecting the NWFL estimates:
- Positive: with PPE of 14.1 at the end of fiscal year the price was neutral
- Positive: -4.75 < Operating profit margin, % of -0.25
- Positive: 6.64 < Operating cash flow per share per price, % of 10.47
- Negative: Shareholder equity ratio, % of 9.21 <= 19.40
- Positive: Industry inventory ratio change (median), % of 0 <= 0
- Positive: -3.43 < Return on assets ratio (scaled to [-100,100]) of -0.01
- Negative: Investing cash flow per share per price, % of -52.91 <= -14.22
Short-term NWFL quotes
Long-term NWFL plot with estimates
Financial data
| YTD | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating Revenue | $85.60MM | $103.66MM | $101.43MM |
| Operating Expenses | $49.21MM | $82.52MM | $101.69MM |
| Operating Income | $36.38MM | $21.15MM | $-0.26MM |
| Interest Expense | $7.27MM | $33.47MM | $50.39MM |
| Income(Loss) | $36.38MM | $21.15MM | $-0.26MM |
| Taxes | $7.15MM | $4.39MM | $-0.10MM |
| Profit(Loss)* | $29.23MM | $16.76MM | $-0.16MM |
| Stockholders Equity | $167.09MM | $181.07MM | $213.51MM |
| Assets | $2,047.07MM | $2,201.08MM | $2,317.46MM |
| Operating Cash Flow | $30.73MM | $29.82MM | $22.81MM |
| Capital expenditure | $2.15MM | $1.41MM | $3.13MM |
| Investing Cash Flow | $-207.99MM | $-116.57MM | $-115.20MM |
| Financing Cash Flow | $2.44MM | $121.00MM | $98.62MM |
| Earnings Per Share** | $3.59 | $2.08 | $-0.02 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.