Norwood Net Borrowings vs Change To Netincome Analysis

NWFL Stock

USD 30.90 0.03 0.1%

Norwood Financial financial indicator trend analysis is infinitely more than just investigating Norwood Financial Corp recent accounting drivers to predict future trends. We encourage investors to analyze account correlations over time for multiple indicators to determine whether Norwood Financial Corp is a good investment. Please check the relationship between Norwood Financial Net Borrowings and its Change To Netincome accounts. 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.

Net Borrowings vs Change To Netincome

Net Borrowings vs Change To Netincome Correlation Analysis

The overlapping area represents the amount of trend that can be explained by analyzing historical patterns of Norwood Financial Corp Net Borrowings account and Change To Netincome. At this time, the significance of the direction appears to have weak contrarian relationship.

The correlation between Norwood Financial's Net Borrowings and Change To Netincome is -0.15. Overlapping area represents the amount of variation of Net Borrowings that can explain the historical movement of Change To Netincome in the same time period over historical financial statements of Norwood Financial Corp, assuming nothing else is changed. The correlation between historical values of Norwood Financial's Net Borrowings and Change To Netincome is a relative statistical measure of the degree to which these accounts tend to move together. The correlation coefficient measures the extent to which Net Borrowings of Norwood Financial Corp are associated (or correlated) with its Change To Netincome. Values of the correlation coefficient range from -1 to +1, where. The correlation of zero (0) is possible when Change To Netincome has no effect on the direction of Net Borrowings i.e., Norwood Financial's Net Borrowings and Change To Netincome go up and down completely randomly.

Correlation Coefficient

-0.15

Relationship Direction	Negative
Relationship Strength	Insignificant

View All Relationships

Net Borrowings

The difference between the amount of new debt a company has taken on and the amount of debt it has paid off during a given period.

Change To Netincome

Most indicators from Norwood Financial's fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators 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 fundamental ratios indicators, 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.

At this time, Norwood Financial's Selling General Administrative is quite stable compared to the past year. Sales General And Administrative To Revenue is expected to rise to 0.44 this year, although the value of Tax Provision will most likely fall to about 4.6 M.

	2021	2022	2023	2024 (projected)
Interest Expense	5.8M	7.3M	33.5M	35.1M
Depreciation And Amortization	1.6M	1.6M	1.5M	889.2K

Interest Expense Depreciation And Amortization

Norwood Financial fundamental ratios Correlations

	Total Assets	Short Long Term Debt Total	Other Current Liab	Total Current Liabilities	Total Stockholder Equity	Property Plant And Equipment Net	Net Debt	Retained Earnings	Cash	Non Current Assets Total	Non Currrent Assets Other	Other Assets	Cash And Short Term Investments	Net Receivables	Common Stock Total Equity	Common Stock Shares Outstanding	Non Current Liabilities Total	Other Stockholder Equity	Total Liab	Property Plant And Equipment Gross	Total Current Assets	Short Term Debt	Common Stock	Accounts Payable	Other Liab	Long Term Debt
Total Assets		0.58	0.47	0.63	0.96	0.94	-0.28	0.96	0.67	0.71	0.47	-0.15	0.5	0.98	0.71	0.9	0.61	0.99	1.0	0.93	-0.22	0.48	0.47	0.63	0.75	0.72
Short Long Term Debt Total	0.58		0.01	0.17	0.68	0.48	0.23	0.57	0.32	0.23	0.12	0.26	0.41	0.48	0.18	0.66	0.17	0.6	0.57	0.35	0.17	0.92	0.23	0.16	0.53	0.63
Other Current Liab	0.47	0.01		0.94	0.34	0.51	0.03	0.58	0.11	0.91	0.91	-0.74	-0.44	0.6	0.4	0.19	0.94	0.36	0.47	0.54	-0.56	-0.23	-0.05	0.91	0.02	0.59
Total Current Liabilities	0.63	0.17	0.94		0.49	0.68	0.02	0.69	0.22	0.99	0.95	-0.72	-0.29	0.74	0.59	0.36	1.0	0.54	0.63	0.68	-0.59	-0.06	0.12	0.99	0.19	0.76
Total Stockholder Equity	0.96	0.68	0.34	0.49		0.84	-0.32	0.91	0.75	0.58	0.36	-0.01	0.59	0.89	0.56	0.89	0.47	0.97	0.95	0.81	-0.1	0.65	0.38	0.46	0.76	0.63
Property Plant And Equipment Net	0.94	0.48	0.51	0.68	0.84		-0.21	0.86	0.56	0.76	0.47	-0.23	0.37	0.95	0.84	0.8	0.67	0.9	0.94	0.9	-0.33	0.34	0.59	0.71	0.76	0.79
Net Debt	-0.28	0.23	0.03	0.02	-0.32	-0.21		-0.11	-0.83	-0.02	0.11	0.09	-0.45	-0.22	-0.35	-0.33	0.04	-0.31	-0.27	-0.35	0.11	0.04	-0.4	0.06	-0.51	0.28
Retained Earnings	0.96	0.57	0.58	0.69	0.91	0.86	-0.11		0.52	0.77	0.58	-0.22	0.38	0.95	0.58	0.84	0.68	0.92	0.96	0.91	-0.24	0.44	0.29	0.69	0.57	0.73
Cash	0.67	0.32	0.11	0.22	0.75	0.56	-0.83	0.52		0.29	0.09	-0.04	0.63	0.58	0.52	0.69	0.2	0.71	0.67	0.62	-0.09	0.44	0.48	0.18	0.76	0.19
Non Current Assets Total	0.71	0.23	0.91	0.99	0.58	0.76	-0.02	0.77	0.29		0.92	-0.65	-0.17	0.81	0.62	0.46	0.99	0.63	0.72	0.76	-0.52	0.0	0.17	0.98	0.27	0.78
Non Currrent Assets Other	0.47	0.12	0.91	0.95	0.36	0.47	0.11	0.58	0.09	0.92		-0.73	-0.4	0.59	0.38	0.21	0.95	0.4	0.48	0.52	-0.54	-0.08	-0.09	0.91	-0.04	0.63
Other Assets	-0.15	0.26	-0.74	-0.72	-0.01	-0.23	0.09	-0.22	-0.04	-0.65	-0.73		0.59	-0.29	-0.47	0.04	-0.72	-0.06	-0.16	-0.34	0.89	0.4	-0.14	-0.75	0.1	-0.35
Cash And Short Term Investments	0.5	0.41	-0.44	-0.29	0.59	0.37	-0.45	0.38	0.63	-0.17	-0.4	0.59		0.34	0.19	0.67	-0.31	0.57	0.5	0.41	0.46	0.59	0.36	-0.3	0.63	-0.02
Net Receivables	0.98	0.48	0.6	0.74	0.89	0.95	-0.22	0.95	0.58	0.81	0.59	-0.29	0.34		0.76	0.84	0.73	0.95	0.98	0.94	-0.35	0.35	0.47	0.75	0.68	0.76
Common Stock Total Equity	0.71	0.18	0.4	0.59	0.56	0.84	-0.35	0.58	0.52	0.62	0.38	-0.47	0.19	0.76		0.62	0.58	0.67	0.72	0.79	-0.58	0.08	0.82	0.66	0.67	0.63
Common Stock Shares Outstanding	0.9	0.66	0.19	0.36	0.89	0.8	-0.33	0.84	0.69	0.46	0.21	0.04	0.67	0.84	0.62		0.34	0.91	0.9	0.85	-0.07	0.6	0.62	0.37	0.84	0.52
Non Current Liabilities Total	0.61	0.17	0.94	1.0	0.47	0.67	0.04	0.68	0.2	0.99	0.95	-0.72	-0.31	0.73	0.58	0.34		0.52	0.62	0.67	-0.58	-0.07	0.11	0.99	0.17	0.76
Other Stockholder Equity	0.99	0.6	0.36	0.54	0.97	0.9	-0.31	0.92	0.71	0.63	0.4	-0.06	0.57	0.95	0.67	0.91	0.52		0.98	0.89	-0.18	0.55	0.48	0.53	0.78	0.65
Total Liab	1.0	0.57	0.47	0.63	0.95	0.94	-0.27	0.96	0.67	0.72	0.48	-0.16	0.5	0.98	0.72	0.9	0.62	0.98		0.94	-0.23	0.47	0.48	0.64	0.75	0.72
Property Plant And Equipment Gross	0.93	0.35	0.54	0.68	0.81	0.9	-0.35	0.91	0.62	0.76	0.52	-0.34	0.41	0.94	0.79	0.85	0.67	0.89	0.94		-0.36	0.23	0.54	0.71	0.66	0.65
Total Current Assets	-0.22	0.17	-0.56	-0.59	-0.1	-0.33	0.11	-0.24	-0.09	-0.52	-0.54	0.89	0.46	-0.35	-0.58	-0.07	-0.58	-0.18	-0.23	-0.36		0.28	-0.35	-0.65	-0.12	-0.36
Short Term Debt	0.48	0.92	-0.23	-0.06	0.65	0.34	0.04	0.44	0.44	0.0	-0.08	0.4	0.59	0.35	0.08	0.6	-0.07	0.55	0.47	0.23	0.28		0.19	-0.09	0.5	0.4
Common Stock	0.47	0.23	-0.05	0.12	0.38	0.59	-0.4	0.29	0.48	0.17	-0.09	-0.14	0.36	0.47	0.82	0.62	0.11	0.48	0.48	0.54	-0.35	0.19		0.22	0.78	0.3
Accounts Payable	0.63	0.16	0.91	0.99	0.46	0.71	0.06	0.69	0.18	0.98	0.91	-0.75	-0.3	0.75	0.66	0.37	0.99	0.53	0.64	0.71	-0.65	-0.09	0.22		0.21	0.79
Other Liab	0.75	0.53	0.02	0.19	0.76	0.76	-0.51	0.57	0.76	0.27	-0.04	0.1	0.63	0.68	0.67	0.84	0.17	0.78	0.75	0.66	-0.12	0.5	0.78	0.21		0.39
Long Term Debt	0.72	0.63	0.59	0.76	0.63	0.79	0.28	0.73	0.19	0.78	0.63	-0.35	-0.02	0.76	0.63	0.52	0.76	0.65	0.72	0.65	-0.36	0.4	0.3	0.79	0.39

Click cells to compare fundamentals

Norwood Financial Account Relationship Matchups

Norwood Financial fundamental ratios Accounts

	2019	2020	2021	2022	2023	2024 (projected)
Total Assets	1.2B	1.9B	2.1B	2.0B	2.2B	2.3B
Short Long Term Debt Total	118.7M	105.8M	90.8M	82.3M	114.2M	62.6M
Other Current Liab	(64.7M)	(64.9M)	(62.0M)	(2.7M)	1.5B	1.6B
Total Current Liabilities	64.7M	64.9M	62.0M	44.9M	1.6B	1.7B
Total Stockholder Equity	137.4M	194.8M	205.3M	167.1M	181.1M	190.1M
Property Plant And Equipment Net	14.2M	17.8M	17.3M	17.9M	21.7M	22.8M
Net Debt	103.3M	(5.9M)	(115.9M)	50.4M	48.1M	35.7M
Retained Earnings	86.5M	93.8M	110.0M	130.0M	135.3M	142.0M
Cash	15.4M	111.7M	206.7M	31.9M	66.1M	69.4M
Non Current Assets Total	236.0M	274.2M	453.7M	466.4M	2.1B	2.2B
Non Currrent Assets Other	(4.2M)	(8.4M)	(9.4M)	(23.5M)	1.7B	1.8B
Other Assets	765.3M	1.2B	995.4M	1.1B	5.6M	5.3M
Cash And Short Term Investments	225.6M	338.3M	613.5M	450.8M	66.1M	128.9M
Net Receivables	3.7M	6.2M	5.9M	6.9M	8.1M	8.5M
Common Stock Total Equity	634K	824K	827K	829K	953.4K	1.0M
Common Stock Shares Outstanding	6.3M	7.2M	8.2M	8.2M	8.1M	6.4M
Liabilities And Stockholders Equity	1.2B	1.9B	2.1B	2.0B	2.2B	2.3B
Non Current Liabilities Total	56.4M	42.5M	30.0M	44.9M	1.9B	2.0B
Other Stockholder Equity	49.1M	95.0M	94.7M	93.6M	92.3M	96.9M
Total Liab	1.1B	1.7B	1.9B	1.9B	2.0B	2.1B
Property Plant And Equipment Gross	14.2M	17.8M	35.9M	37.8M	38.2M	40.1M
Total Current Assets	229.3M	344.5M	619.4M	457.7M	66.1M	62.8M
Accumulated Other Comprehensive Income	1.2M	5.1M	(256K)	(57.4M)	(47.3M)	(45.0M)
Short Term Debt	62.3M	63.3M	60.8M	42.3M	44.4M	30.7M
Common Stock	634K	824K	827K	829K	831K	463.1K
Accounts Payable	2.4M	1.6M	1.2M	2.7M	10.5M	11.0M
Other Liab	9.2M	14.3M	14.4M	10.7M	12.3M	6.9M
Long Term Debt	56.4M	42.5M	30.0M	40M	69.8M	73.3M
Short Term Investments	210.2M	226.6M	406.8M	418.9M	406.3M	426.6M
Inventory	(20.7M)	(118.9M)	(214.3M)	(39.1M)	(1.6B)	(1.5B)
Treasury Stock	(400K)	(342K)	(1.8M)	(3.3M)	(3.0M)	(2.8M)
Property Plant Equipment	15.8M	18.8M	17.3M	18.3M	21.0M	10.9M
Net Tangible Assets	125.9M	165.0M	175.6M	137.5M	158.1M	122.7M
Retained Earnings Total Equity	86.5M	93.8M	110.0M	130.0M	149.5M	87.6M
Capital Surpluse	49.5M	95.4M	96.4M	96.9M	111.4M	58.4M
Other Current Assets	20.7M	118.9M	214.3M	39.1M	74.3M	70.6M
Long Term Investments	916.1M	1.4B	406.8M	418.9M	406.3M	704.1M
Non Current Liabilities Other	14.5M	14.3M	14.4M	16.4M	18.8M	19.8M
Intangible Assets	235K	530K	407K	306K	221K	353.2K

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

The Portfolio Architect is an AI-driven system that provides multiple benefits to our users by leveraging cutting-edge machine learning algorithms, statistical analysis, and predictive modeling to automate the process of asset selection and portfolio construction, saving time and reducing human error for individual and institutional investors.

Try AI Portfolio Architect

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

View

Largest Banks - Regional Companies

View

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.

You can also try the Idea Optimizer module to use advanced portfolio builder with pre-computed micro ideas to build optimal portfolio .

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.

Macroaxis helps investors of all levels and skills to maximize the upside of all their holdings and minimize the risk associated with market volatility, economic swings, and company-specific events. View terms and conditions

Feedback Blog

Made with optimal in San Francisco

2024 Macroaxis LLC

Norwood Net Borrowings vs Change To Netincome Analysis

Net Borrowings vs Change To Netincome

Net Borrowings vs Change To Netincome Correlation Analysis

Correlation Coefficient

Net Borrowings

Change To Netincome

Norwood Financial fundamental ratios Correlations

Norwood Financial Account Relationship Matchups

High Positive Relationship

High Negative Relationship

Norwood Financial fundamental ratios Accounts

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

COMMON DESTINATIONS

MAIN CATEGORIES

COMPANY

Total Liab	+ 1.0	Total Assets
Non Current Liabilities Total	+ 1.0	Total Current Liabilities
Other Stockholder Equity	+ 0.99	Total Assets
Non Current Assets Total	+ 0.99	Total Current Liabilities
Accounts Payable	+ 0.99	Total Current Liabilities
Non Current Liabilities Total	+ 0.99	Non Current Assets Total

Cash	- 0.83	Net Debt
Accounts Payable	- 0.75	Other Assets
Other Assets	- 0.74	Other Current Liab
Other Assets	- 0.73	Non Currrent Assets Other
Non Current Liabilities Total	- 0.72	Other Assets
Other Assets	- 0.72	Total Current Liabilities