Norwood Historical Financial Ratios

NWFL Stock

USD 30.90 0.03 0.1%

Norwood Financial is lately reporting on over 106 different financial statement accounts. To analyze all of these accounts together requires a lot of time and effort. However, using these accounts to derive some meaningful and actionable indicators such as Days Sales Outstanding of 56.79 will help investors to properly organize and evaluate Norwood Financial Corp financial condition quickly.

Quick Ratio Current Ratio

Check out Correlation Analysis to better understand how to build diversified portfolios, which includes a position in Norwood Financial Corp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census.

About Norwood Financial Ratios Analysis

Norwood Financial CorpFinancial ratios are relationships based on a company's financial information. They can serve as useful tools to evaluate Norwood Financial investment potential. Financial ratio analysis can also be defined as the process of presenting financial ratios, which are mathematical indicators calculated by comparing key financial information appearing on Norwood financial statements. Financial ratios are useful tools that help investors analyze and compare relationships between different pieces of financial information across Norwood Financial history.

Norwood Financial Financial Ratios Chart

At this time, Norwood Financial's Operating Cash Flow Per Share is quite stable compared to the past year. Stock Based Compensation To Revenue is expected to rise to 0.01 this year, although the value of Capex To Depreciation will most likely fall to 0.58.

Price To Sales Ratio Dividend Yield Ptb Ratio Days Sales Outstanding Capex To Depreciation Average Receivables

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Price To Sales Ratio

Price to Sales Ratio is figured by comparing Norwood Financial Corp stock price to its revenues. An advantage to using Price to Sales ratio is that it is based on Norwood Financial sales, a figure that is much harder to manipulate than other Norwood Financial Corp multiples. Because sales tend to be more stable P/S ratio can be a good tool for screening cyclical companies fluctuating earnings patterns. A valuation ratio that compares a company's stock price to its revenues, calculated by dividing the company's market cap by its total sales or revenue over a 12-month period.

Dividend Yield

Dividend Yield is Norwood Financial Corp dividend as a percentage of Norwood Financial stock price. Norwood Financial Corp dividend yield is a measure of Norwood Financial stock productivity, which can be interpreted as interest rate earned on an Norwood Financial investment. A financial ratio that shows how much a company pays out in dividends each year relative to its stock price, calculated as annual dividends per share divided by price per share.

Ptb Ratio

Price-to-Book ratio, a financial valuation metric used to compare a company's current market price to its book value. It provides insight into the value that market participants place on the company's equity relative to its net asset value.

Capex To Depreciation

The ratio of a company's capital expenditures to its depreciation expenses, indicating how much the company is investing in physical assets relative to the aging of existing assets.

Most ratios from Norwood Financial's fundamentals are interrelated and interconnected. However, analyzing fundamentals ratios one by one will only give a small insight into Norwood Financial Corp current financial condition. On the other hand, looking into the entire matrix of fundamentals ratios, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Correlation Analysis to better understand how to build diversified portfolios, which includes a position in Norwood Financial Corp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census.

	2021	2022	2023	2024 (projected)
Dividend Yield	0.0402	0.0337	0.0353	0.0247
Price To Sales Ratio	2.89	3.47	4.12	5.15

Dividend Yield Price To Sales Ratio

Norwood Financial fundamentals Correlations

	Price To Sales Ratio	Dividend Yield	Ptb Ratio	Days Sales Outstanding	Book Value Per Share	Free Cash Flow Yield	Operating Cash Flow Per Share	Capex To Depreciation	Pb Ratio	Ev To Sales	Free Cash Flow Per Share	Roic	Net Income Per Share	Capex To Revenue	Cash Per Share	Pocfratio	Interest Coverage	Payout Ratio	Capex To Operating Cash Flow	Pfcf Ratio	Income Quality	Roe	Ev To Operating Cash Flow	Pe Ratio	Return On Tangible Assets	Ev To Free Cash Flow
Price To Sales Ratio		-0.58	0.14	0.98	-0.76	0.81	-0.24	0.22	0.14	0.94	-0.27	0.78	-0.49	0.99	-0.47	-0.52	-0.4	-0.23	0.41	-0.47	0.94	-0.13	-0.42	0.21	-0.25	-0.4
Dividend Yield	-0.58		-0.83	-0.45	0.17	-0.16	-0.32	-0.67	-0.83	-0.61	-0.26	-0.33	0.1	-0.48	-0.07	-0.07	0.35	0.36	-0.84	-0.15	-0.44	-0.21	-0.05	-0.49	0.04	-0.11
Ptb Ratio	0.14	-0.83		-0.02	0.11	-0.24	0.59	0.81	1.0	0.25	0.54	0.04	0.23	0.04	0.32	0.31	-0.08	-0.24	0.78	0.37	0.03	0.42	0.32	0.47	0.13	0.38
Days Sales Outstanding	0.98	-0.45	-0.02		-0.76	0.88	-0.29	0.1	-0.02	0.88	-0.31	0.82	-0.48	0.99	-0.49	-0.61	-0.38	-0.25	0.3	-0.57	0.93	-0.13	-0.54	0.08	-0.23	-0.52
Book Value Per Share	-0.76	0.17	0.11	-0.76		-0.75	0.52	0.03	0.11	-0.81	0.53	-0.71	0.61	-0.78	0.77	0.6	0.08	-0.06	-0.01	0.58	-0.82	0.27	0.25	-0.15	0.15	0.26
Free Cash Flow Yield	0.81	-0.16	-0.24	0.88	-0.75		-0.16	-0.12	-0.24	0.67	-0.15	0.8	-0.38	0.86	-0.47	-0.91	-0.25	-0.37	-0.02	-0.89	0.83	0.01	-0.78	-0.23	0.02	-0.78
Operating Cash Flow Per Share	-0.24	-0.32	0.59	-0.29	0.52	-0.16		0.46	0.59	-0.31	1.0	-0.1	0.63	-0.27	0.71	-0.05	0.01	-0.51	0.32	-0.02	-0.3	0.75	-0.2	-0.17	0.45	-0.16
Capex To Depreciation	0.22	-0.67	0.81	0.1	0.03	-0.12	0.46		0.81	0.23	0.39	0.22	0.4	0.2	0.29	0.25	0.15	-0.21	0.88	0.33	0.09	0.43	0.12	0.35	0.04	0.19
Pb Ratio	0.14	-0.83	1.0	-0.02	0.11	-0.24	0.59	0.81		0.25	0.54	0.04	0.23	0.04	0.32	0.31	-0.08	-0.24	0.78	0.37	0.03	0.42	0.32	0.47	0.13	0.38
Ev To Sales	0.94	-0.61	0.25	0.88	-0.81	0.67	-0.31	0.23	0.25		-0.35	0.65	-0.6	0.89	-0.58	-0.38	-0.44	-0.07	0.4	-0.34	0.9	-0.23	-0.13	0.39	-0.27	-0.11
Free Cash Flow Per Share	-0.27	-0.26	0.54	-0.31	0.53	-0.15	1.0	0.39	0.54	-0.35		-0.12	0.63	-0.3	0.71	-0.08	0.0	-0.51	0.25	-0.05	-0.32	0.74	-0.22	-0.21	0.47	-0.19
Roic	0.78	-0.33	0.04	0.82	-0.71	0.8	-0.1	0.22	0.04	0.65	-0.12		-0.05	0.84	-0.39	-0.64	0.07	-0.47	0.24	-0.61	0.67	0.32	-0.61	-0.24	0.15	-0.59
Net Income Per Share	-0.49	0.1	0.23	-0.48	0.61	-0.38	0.63	0.4	0.23	-0.6	0.63	-0.05		-0.43	0.58	0.23	0.5	-0.46	0.1	0.24	-0.66	0.8	-0.08	-0.54	0.55	-0.07
Capex To Revenue	0.99	-0.48	0.04	0.99	-0.78	0.86	-0.27	0.2	0.04	0.89	-0.3	0.84	-0.43		-0.48	-0.58	-0.31	-0.25	0.36	-0.53	0.93	-0.1	-0.52	0.11	-0.23	-0.49
Cash Per Share	-0.47	-0.07	0.32	-0.49	0.77	-0.47	0.71	0.29	0.32	-0.58	0.71	-0.39	0.58	-0.48		0.32	0.2	-0.11	0.24	0.33	-0.49	0.4	0.0	-0.01	0.07	0.02
Pocfratio	-0.52	-0.07	0.31	-0.61	0.6	-0.91	-0.05	0.25	0.31	-0.38	-0.08	-0.64	0.23	-0.58	0.32		0.12	0.38	0.24	1.0	-0.6	-0.17	0.81	0.41	-0.23	0.83
Interest Coverage	-0.4	0.35	-0.08	-0.38	0.08	-0.25	0.01	0.15	-0.08	-0.44	0.0	0.07	0.5	-0.31	0.2	0.12		0.02	-0.09	0.12	-0.41	0.35	0.04	-0.26	0.34	0.04
Payout Ratio	-0.23	0.36	-0.24	-0.25	-0.06	-0.37	-0.51	-0.21	-0.24	-0.07	-0.51	-0.47	-0.46	-0.25	-0.11	0.38	0.02		-0.23	0.35	0.0	-0.78	0.56	0.61	-0.74	0.54
Capex To Operating Cash Flow	0.41	-0.84	0.78	0.3	-0.01	-0.02	0.32	0.88	0.78	0.4	0.25	0.24	0.1	0.36	0.24	0.24	-0.09	-0.23		0.33	0.28	0.23	0.09	0.51	-0.11	0.16
Pfcf Ratio	-0.47	-0.15	0.37	-0.57	0.58	-0.89	-0.02	0.33	0.37	-0.34	-0.05	-0.61	0.24	-0.53	0.33	1.0	0.12	0.35	0.33		-0.57	-0.14	0.8	0.45	-0.23	0.83
Income Quality	0.94	-0.44	0.03	0.93	-0.82	0.83	-0.3	0.09	0.03	0.9	-0.32	0.67	-0.66	0.93	-0.49	-0.6	-0.41	0.0	0.28	-0.57		-0.31	-0.42	0.33	-0.4	-0.4
Roe	-0.13	-0.21	0.42	-0.13	0.27	0.01	0.75	0.43	0.42	-0.23	0.74	0.32	0.8	-0.1	0.4	-0.17	0.35	-0.78	0.23	-0.14	-0.31		-0.3	-0.56	0.79	-0.28
Ev To Operating Cash Flow	-0.42	-0.05	0.32	-0.54	0.25	-0.78	-0.2	0.12	0.32	-0.13	-0.22	-0.61	-0.08	-0.52	0.0	0.81	0.04	0.56	0.09	0.8	-0.42	-0.3		0.54	-0.2	1.0
Pe Ratio	0.21	-0.49	0.47	0.08	-0.15	-0.23	-0.17	0.35	0.47	0.39	-0.21	-0.24	-0.54	0.11	-0.01	0.41	-0.26	0.61	0.51	0.45	0.33	-0.56	0.54		-0.69	0.57
Return On Tangible Assets	-0.25	0.04	0.13	-0.23	0.15	0.02	0.45	0.04	0.13	-0.27	0.47	0.15	0.55	-0.23	0.07	-0.23	0.34	-0.74	-0.11	-0.23	-0.4	0.79	-0.2	-0.69		-0.2
Ev To Free Cash Flow	-0.4	-0.11	0.38	-0.52	0.26	-0.78	-0.16	0.19	0.38	-0.11	-0.19	-0.59	-0.07	-0.49	0.02	0.83	0.04	0.54	0.16	0.83	-0.4	-0.28	1.0	0.57	-0.2

Click cells to compare fundamentals

Norwood Financial Account Relationship Matchups

Norwood Financial fundamentals Accounts

	2019	2020	2021	2022	2023	2024 (projected)
Price To Sales Ratio	5.37	3.24	2.89	3.47	4.12	5.15
Dividend Yield	0.0248	0.0385	0.0402	0.0337	0.0353	0.0247
Book Value Per Share	21.95	27.04	25.1	20.53	22.36	23.48
Operating Cash Flow Per Share	2.95	1.92	3.57	3.78	3.68	3.87
Stock Based Compensation To Revenue	0.011	0.009201	0.007455	0.008183	0.0128	0.0135
Capex To Depreciation	0.86	1.47	0.52	0.78	1.37	0.97
Ev To Sales	6.67	7.64	3.13	1.31	4.87	6.41
Free Cash Flow Per Share	2.64	2.69	1.81	3.42	3.51	3.68
Roic	0.0555	0.0502	0.0841	0.17	0.0568	0.0539
Net Income Per Share	2.27	2.09	3.05	3.59	2.07	1.12
Capex To Revenue	0.0358	0.0129	0.0171	0.0275	0.0218	0.0208
Cash Per Share	36.04	46.96	75.01	55.4	58.35	61.26
Pocfratio	13.21	13.66	7.28	8.85	8.93	8.1
Interest Coverage	1.94	2.3	5.36	6.01	0.63	0.6
Payout Ratio	0.66	0.4	0.42	0.34	0.31	0.56
Capex To Operating Cash Flow	0.088	0.0543	0.0431	0.0701	0.0473	0.0649
Pfcf Ratio	14.48	14.45	7.61	9.52	9.38	8.58
Income Quality	1.27	1.3	0.91	1.17	1.05	1.82
Roe	0.11	0.1	0.0774	0.12	0.17	0.0926
Ev To Operating Cash Flow	18.81	13.23	3.31	10.49	10.55	11.08
Pe Ratio	17.13	12.5	8.53	9.31	15.9	16.54
Return On Tangible Assets	0.0116	0.0117	0.008276	0.0122	0.0145	0.007717
Ev To Free Cash Flow	20.62	13.99	3.46	11.28	11.07	11.74
Earnings Yield	0.0584	0.08	0.12	0.11	0.0629	0.0606
Intangibles To Total Assets	0.009849	0.009399	0.0161	0.0143	0.0134	0.0145
Net Debt To E B I T D A	5.76	(0.3)	(3.57)	1.33	2.13	4.08
Current Ratio	3.55	5.31	9.99	10.19	0.0421	0.04
Tangible Book Value Per Share	20.11	22.9	21.47	16.9	18.72	10.23
Receivables Turnover	11.25	11.63	9.35	11.32	10.19	7.86
Graham Number	33.49	35.69	41.48	40.74	32.27	16.59
Shareholders Equity Per Share	21.95	27.04	25.1	20.53	22.36	23.48
Debt To Equity	0.86	0.54	0.44	0.24	0.63	0.76
Graham Net Net	(140.24)	(190.69)	(165.38)	(177.41)	(191.16)	(200.71)
Revenue Per Share	7.25	8.09	9.0	9.63	7.98	8.38

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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:

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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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Price To Sales Ratio	Dividend Yield
Ptb Ratio	Days Sales Outstanding
Book Value Per Share	Free Cash Flow Yield
Invested Capital	Operating Cash Flow Per Share
Average Payables	Stock Based Compensation To Revenue
Capex To Depreciation	Pb Ratio
Ev To Sales	Free Cash Flow Per Share
Roic	Inventory Turnover
Net Income Per Share	Days Of Inventory On Hand
Payables Turnover	Sales General And Administrative To Revenue
Average Inventory	Research And Ddevelopement To Revenue
Capex To Revenue	Cash Per Share
Pocfratio	Interest Coverage
Payout Ratio	Capex To Operating Cash Flow
Pfcf Ratio	Days Payables Outstanding
Net Current Asset Value	Income Quality
Roe	Tangible Asset Value
Ev To Operating Cash Flow	Pe Ratio
Return On Tangible Assets	Ev To Free Cash Flow
Earnings Yield	Intangibles To Total Assets
Net Debt To E B I T D A	Current Ratio
Tangible Book Value Per Share	Receivables Turnover
Graham Number	Shareholders Equity Per Share
Debt To Equity	Capex Per Share
Graham Net Net	Average Receivables
Revenue Per Share	Interest Debt Per Share
Debt To Assets	Enterprise Value Over E B I T D A
Short Term Coverage Ratios	Price Earnings Ratio
Price Book Value Ratio	Price Earnings To Growth Ratio
Days Of Payables Outstanding	Dividend Payout Ratio
Price To Operating Cash Flows Ratio	Price To Free Cash Flows Ratio
Pretax Profit Margin	Ebt Per Ebit
Operating Profit Margin	Effective Tax Rate
Company Equity Multiplier	Long Term Debt To Capitalization
Total Debt To Capitalization	Return On Capital Employed
Debt Equity Ratio	Ebit Per Revenue
Quick Ratio	Dividend Paid And Capex Coverage Ratio
Net Income Per E B T	Cash Ratio
Operating Cash Flow Sales Ratio	Days Of Inventory Outstanding
Days Of Sales Outstanding	Free Cash Flow Operating Cash Flow Ratio
Cash Flow Coverage Ratios	Price To Book Ratio
Fixed Asset Turnover	Capital Expenditure Coverage Ratio
Price Cash Flow Ratio	Enterprise Value Multiple
Debt Ratio	Cash Flow To Debt Ratio
Price Sales Ratio	Return On Assets
Asset Turnover	Net Profit Margin
Gross Profit Margin	Price Fair Value
Return On Equity

Norwood Historical Financial Ratios

About Norwood Financial Ratios Analysis

Norwood Financial Financial Ratios Chart

Price To Sales Ratio

Dividend Yield

Ptb Ratio

Capex To Depreciation

Norwood Financial fundamentals Correlations

Norwood Financial Account Relationship Matchups

High Positive Relationship

High Negative Relationship

Norwood Financial fundamentals Accounts

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

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Pb Ratio	+ 1.0	Ptb Ratio
Free Cash Flow Per Share	+ 1.0	Operating Cash Flow Per Share
Pfcf Ratio	+ 1.0	Pocfratio
Ev To Free Cash Flow	+ 1.0	Ev To Operating Cash Flow
Capex To Revenue	+ 0.99	Price To Sales Ratio
Capex To Revenue	+ 0.99	Days Sales Outstanding

Pocfratio	- 0.91	Free Cash Flow Yield
Pfcf Ratio	- 0.89	Free Cash Flow Yield
Capex To Operating Cash Flow	- 0.84	Dividend Yield
Pb Ratio	- 0.83	Dividend Yield
Ptb Ratio	- 0.83	Dividend Yield
Income Quality	- 0.82	Book Value Per Share