Norwood Financial Corp Stock Z Score

NWFL Stock

USD 30.35 0.94 3.00%

Altman Z Score is one of the simplest fundamental models to determine how likely your company is to fail. The module uses available fundamental data of a given equity to approximate the Altman Z score. Altman Z Score is determined by evaluating five fundamental price points available from the company's current public disclosure documents. Check out Norwood Financial Piotroski F Score and Norwood Financial Valuation analysis.

At this time, Norwood Financial's Capital Stock is quite stable compared to the past year. Change In Working Capital is expected to rise to about 4.1 M this year, although the value of Net Invested Capital will most likely fall to about 274.2 M. At this time, Norwood Financial's Total Operating Expenses is quite stable compared to the past year. Selling And Marketing Expenses is expected to rise to about 661.5 K this year, although the value of Operating Income will most likely fall to about 18.6 M.

Norwood Financial Corp Company Z Score Analysis

Norwood Financial's Z-Score is a simple linear, multi-factor model that measures the financial health and economic stability of a company. The score is used to predict the probability of a firm going into bankruptcy within next 24 months or two fiscal years from the day stated on the accounting statements used to calculate it. The model uses five fundamental business ratios that are weighted according to algorithm of Professor Edward Altman who developed it in the late 1960s at New York University..

Z Score

Sum Of

5 Factors

More About Z Score | All Equity Analysis

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

Norwood Z Score Driver Correlations

Understanding the fundamental principles of building solid financial models for Norwood Financial is extremely important. It helps to project a fair market value of Norwood Stock properly, considering its historical fundamentals such as Z Score. Since Norwood Financial's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Norwood Financial's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Norwood Financial's interrelated accounts and indicators.

	Total Assets	Total Stockholder Equity	Net Debt	Retained Earnings	Net Receivables	Total Liab	Total Current Assets	Short Term Debt	Common Stock	Accounts Payable	Long Term Debt	Short Term Investments	Treasury Stock	Property Plant Equipment	Net Tangible Assets	Good Will	Capital Surpluse	Long Term Investments	Intangible Assets	Short Long Term Debt	Earning Assets	Net Invested Capital	Capital Stock	Current Deferred Revenue
Total Assets		0.96	-0.28	0.96	0.98	1.0	-0.22	0.48	0.47	0.63	0.72	0.93	-0.38	0.73	0.88	0.86	0.89	0.19	-0.58	0.66	0.61	0.92	0.92	0.57
Total Stockholder Equity	0.96		-0.32	0.91	0.89	0.95	-0.1	0.65	0.38	0.46	0.63	0.86	-0.25	0.73	0.91	0.82	0.86	0.31	-0.6	0.64	0.53	0.84	0.86	0.43
Net Debt	-0.28	-0.32		-0.11	-0.22	-0.27	0.11	0.04	-0.4	0.06	0.28	-0.2	0.21	-0.11	-0.45	-0.47	-0.37	0.15	-0.3	-0.11	0.06	-0.34	-0.48	0.05
Retained Earnings	0.96	0.91	-0.11		0.95	0.96	-0.24	0.44	0.29	0.69	0.73	0.92	-0.52	0.62	0.76	0.77	0.8	0.05	-0.66	0.66	0.5	0.89	0.86	0.63
Net Receivables	0.98	0.89	-0.22	0.95		0.98	-0.35	0.35	0.47	0.75	0.76	0.89	-0.46	0.66	0.81	0.84	0.85	0.16	-0.53	0.63	0.59	0.91	0.93	0.68
Total Liab	1.0	0.95	-0.27	0.96	0.98		-0.23	0.47	0.48	0.64	0.72	0.93	-0.39	0.72	0.88	0.86	0.89	0.18	-0.58	0.66	0.61	0.92	0.92	0.58
Total Current Assets	-0.22	-0.1	0.11	-0.24	-0.35	-0.23		0.28	-0.35	-0.65	-0.36	0.01	0.5	0.13	-0.18	-0.31	-0.2	0.07	0.01	-0.25	0.19	-0.43	-0.42	-0.56
Short Term Debt	0.48	0.65	0.04	0.44	0.35	0.47	0.28		0.19	-0.09	0.4	0.4	0.28	0.55	0.64	0.41	0.53	0.48	-0.65	0.49	0.29	0.37	0.31	-0.03
Common Stock	0.47	0.38	-0.4	0.29	0.47	0.48	-0.35	0.19		0.22	0.3	0.31	-0.06	0.52	0.68	0.69	0.69	0.16	-0.18	0.43	0.29	0.62	0.57	0.21
Accounts Payable	0.63	0.46	0.06	0.69	0.75	0.64	-0.65	-0.09	0.22		0.79	0.55	-0.54	0.22	0.36	0.45	0.43	-0.09	-0.38	0.35	0.37	0.65	0.6	0.93
Long Term Debt	0.72	0.63	0.28	0.73	0.76	0.72	-0.36	0.4	0.3	0.79		0.62	-0.14	0.49	0.54	0.45	0.53	0.31	-0.68	0.52	0.6	0.63	0.54	0.7
Short Term Investments	0.93	0.86	-0.2	0.92	0.89	0.93	0.01	0.4	0.31	0.55	0.62		-0.38	0.73	0.73	0.72	0.78	-0.01	-0.57	0.52	0.71	0.81	0.77	0.51
Treasury Stock	-0.38	-0.25	0.21	-0.52	-0.46	-0.39	0.5	0.28	-0.06	-0.54	-0.14	-0.38		0.06	-0.14	-0.43	-0.3	0.6	0.02	-0.32	0.21	-0.56	-0.54	-0.51
Property Plant Equipment	0.73	0.73	-0.11	0.62	0.66	0.72	0.13	0.55	0.52	0.22	0.49	0.73	0.06		0.79	0.73	0.83	0.34	-0.47	0.42	0.74	0.63	0.56	0.31
Net Tangible Assets	0.88	0.91	-0.45	0.76	0.81	0.88	-0.18	0.64	0.68	0.36	0.54	0.73	-0.14	0.79		0.91	0.95	0.31	-0.53	0.65	0.48	0.86	0.85	0.38
Good Will	0.86	0.82	-0.47	0.77	0.84	0.86	-0.31	0.41	0.69	0.45	0.45	0.72	-0.43	0.73	0.91		0.98	0.08	-0.4	0.71	0.35	0.91	0.93	0.5
Capital Surpluse	0.89	0.86	-0.37	0.8	0.85	0.89	-0.2	0.53	0.69	0.43	0.53	0.78	-0.3	0.83	0.95	0.98		0.16	-0.53	0.71	0.48	0.9	0.89	0.48
Long Term Investments	0.19	0.31	0.15	0.05	0.16	0.18	0.07	0.48	0.16	-0.09	0.31	-0.01	0.6	0.34	0.31	0.08	0.16		-0.1	0.03	0.37	-0.06	0.09	-0.17
Intangible Assets	-0.58	-0.6	-0.3	-0.66	-0.53	-0.58	0.01	-0.65	-0.18	-0.38	-0.68	-0.57	0.02	-0.47	-0.53	-0.4	-0.53	-0.1		-0.63	-0.34	-0.56	-0.38	-0.4
Short Long Term Debt	0.66	0.64	-0.11	0.66	0.63	0.66	-0.25	0.49	0.43	0.35	0.52	0.52	-0.32	0.42	0.65	0.71	0.71	0.03	-0.63		0.11	0.71	0.7	0.35
Earning Assets	0.61	0.53	0.06	0.5	0.59	0.61	0.19	0.29	0.29	0.37	0.6	0.71	0.21	0.74	0.48	0.35	0.48	0.37	-0.34	0.11		0.38	0.35	0.32
Net Invested Capital	0.92	0.84	-0.34	0.89	0.91	0.92	-0.43	0.37	0.62	0.65	0.63	0.81	-0.56	0.63	0.86	0.91	0.9	-0.06	-0.56	0.71	0.38		0.92	0.62
Capital Stock	0.92	0.86	-0.48	0.86	0.93	0.92	-0.42	0.31	0.57	0.6	0.54	0.77	-0.54	0.56	0.85	0.93	0.89	0.09	-0.38	0.7	0.35	0.92		0.54
Current Deferred Revenue	0.57	0.43	0.05	0.63	0.68	0.58	-0.56	-0.03	0.21	0.93	0.7	0.51	-0.51	0.31	0.38	0.5	0.48	-0.17	-0.4	0.35	0.32	0.62	0.54

Click cells to compare fundamentals

To calculate a Z-Score, one would need to know a company's current working capital, its total assets and liabilities, and the amount of its latest earnings as well as earnings before interest and tax. Z-Scores can be used to compare the odds of bankruptcy of companies in a similar line of business or firms operating in the same industry. Companies with Z-Scores above 3.1 are generally considered to be stable and healthy with a low probability of bankruptcy. Scores that fall between 1.8 and 3.1 lie in a so-called 'grey area,' with scores of less than 1 indicating the highest probability of distress. Z Score is a used widely measure by financial auditors, accountants, money managers, loan processors, wealth advisers, and day traders. In the last 25 years, many financial models that utilize z-scores proved it to be successful as a predictor of corporate bankruptcy.

Competition

Predict Norwood Financial

Based on the company's disclosures, Norwood Financial Corp has a Z Score of 0.0. This is 100.0% lower than that of the Banks sector and about the same as Financials (which currently averages 0.0) industry. The z score for all United States stocks is 100.0% higher than that of the company.

Norwood Financial ESG Sustainability

Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Norwood Financial's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Norwood Financial's managers, analysts, and investors.

Environmental

Governance

Social

Norwood Financial Institutional Holders

Institutional Holdings refers to the ownership stake in Norwood Financial that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of Norwood Financial's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Norwood Financial's value.

		Shares
Bridgeway Capital Management, Llc	2024-09-30	28.1 K
Commonwealth Equity Services Inc	2024-06-30	26.9 K
Strategic Investment Advisors Inc	2024-06-30	24.3 K
Eagle Wealth Strategies Llc	2024-09-30	23.5 K
Charles Schwab Investment Management Inc	2024-09-30	20.5 K
John G Ullman & Associates Inc	2024-09-30	19.8 K
Amvescap Plc.	2024-06-30	14 K
Minerva Advisors Llc	2024-09-30	13.7 K
Pnc Financial Services Group Inc	2024-09-30	13.4 K
Blackrock Inc	2024-06-30	551.7 K
Vanguard Group Inc	2024-09-30	386.5 K

Norwood Fundamentals

	Return On Equity	0.0713
	Return On Asset	0.0058
	Profit Margin	0.21 %
	Operating Margin	0.31 %
	Current Valuation	366.43 M
	Shares Outstanding	8.09 M
	Shares Owned By Insiders	9.57 %
	Shares Owned By Institutions	30.60 %
	Number Of Shares Shorted	48.28 K
	Price To Earning	13.83 X
	Price To Book	1.26 X
	Price To Sales	4.06 X
	Revenue	64.64 M
	Gross Profit	77.43 M
	EBITDA	22.61 M
	Net Income	16.76 M
	Cash And Equivalents	40.88 M
	Cash Per Share	5.04 X
	Total Debt	114.24 M
	Debt To Equity	6.43 %
	Book Value Per Share	24.31 X
	Cash Flow From Operations	29.82 M
	Short Ratio	9.00 X
	Earnings Per Share	1.59 X
	Number Of Employees	261
	Beta	0.61
	Market Capitalization	253.19 M
	Total Asset	2.2 B
	Retained Earnings	135.28 M
	Annual Yield	0.04 %
	Five Year Return	3.40 %
	Net Asset	2.2 B
	Last Dividend Paid	1.2

About Norwood Financial Fundamental Analysis

The Macroaxis Fundamental Analysis modules help investors analyze Norwood Financial Corp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Norwood Financial using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Norwood Financial Corp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.

Please read more on our fundamental analysis page.

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When determining whether Norwood Financial Corp is a strong investment it is important to analyze Norwood Financial's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Norwood Financial's future performance. For an informed investment choice regarding Norwood Stock, refer to the following important reports:

How To Invest In Norwood

Details

Is Norwood Stock a good investment?

Details

What is Norwood Financial's Net Worth?

Details

Largest Regional Banks Companies

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Largest Banks - Regional Companies

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Check out Norwood Financial Piotroski F Score and Norwood Financial Valuation analysis.

You can also try the Sectors module to list of equity sectors categorizing publicly traded companies based on their primary business activities.

Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Norwood Financial. If investors know Norwood will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Norwood Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.

Quarterly Earnings Growth

(0.06)

Dividend Share

1.2

Earnings Share

1.59

Revenue Per Share

7.741

Quarterly Revenue Growth

0.025

The market value of Norwood Financial Corp is measured differently than its book value, which is the value of Norwood that is recorded on the company's balance sheet. Investors also form their own opinion of Norwood Financial's value that differs from its market value or its book value, called intrinsic value, which is Norwood Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Norwood Financial's market value can be influenced by many factors that don't directly affect Norwood Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.

Please note, there is a significant difference between Norwood Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Norwood Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Norwood Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

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Norwood Financial Corp Stock Z Score

Norwood Financial Corp Company Z Score Analysis

Z Score

Sum Of

5 Factors

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

Norwood Z Score Driver Correlations

Norwood Financial ESG Sustainability

Norwood Financial Institutional Holders

Norwood Fundamentals

About Norwood Financial Fundamental Analysis

Building efficient market-beating portfolios requires time, education, and a lot of computing power!

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