Is Norwood Financial Stock a Good Investment?
Norwood Financial Investment Advice | NWFL |
- Examine Norwood Financial's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research Norwood Financial's leadership team and their track record. Good management can help Norwood Financial navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Regional Banks space and any emerging trends that could impact Norwood Financial's business and its evolving consumer preferences.
- Compare Norwood Financial's performance and market position to its competitors. Analyze how Norwood Financial is positioned in terms of product offerings, innovation, and market share.
- Check if Norwood Financial pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about Norwood Financial's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in Norwood Financial Corp stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if Norwood Financial Corp is a good investment.
Sell | Buy |
Cautious Hold
Market Performance | OK | Details | |
Volatility | Very steady | Details | |
Hype Condition | Low key | Details | |
Current Valuation | Fairly Valued | Details | |
Odds Of Distress | Very Low | Details | |
Economic Sensitivity | Hyperactively responds to market trends | Details | |
Investor Sentiment | Interested | Details | |
Analyst Consensus | Strong Sell | Details | |
Financial Strenth (F Score) | Healthy | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Examine Norwood Financial Stock
Researching Norwood Financial's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 31.0% of the company shares are owned by institutional investors. The company has price-to-book ratio of 1.23. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. Norwood Financial Corp last dividend was issued on the 18th of October 2024. The entity had 3:2 split on the 18th of September 2017.
To determine if Norwood Financial is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding Norwood Financial's research are outlined below:
| On 1st of November 2024 Norwood Financial paid $ 0.3 per share dividend to its current shareholders | |
| Latest headline from thelincolnianonline.com: Signature Estate Investment Advisors LLC Makes New Investment in Norwood Financial Corp. |
Norwood Financial uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in Norwood Financial Corp. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Norwood Financial's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 26th of January 2024 Upcoming Quarterly Report | View | |
| 31st of December 2023 Next Fiscal Quarter End | View |
Know Norwood Financial's Top Institutional Investors
Have you ever been surprised when a price of an equity instrument such as Norwood Financial is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Norwood Financial Corp backward and forwards among themselves. Norwood Financial's institutional investor refers to the entity that pools money to purchase Norwood Financial's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Bridgeway Capital Management, Llc | 2024-06-30 | 29.3 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 Financial's market capitalization trends
The company currently falls under 'Small-Cap' category with a current market capitalization of 246.88 M.Market Cap |
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Norwood Financial's profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.01 | 0.01 | |
| Return On Capital Employed | 0.03 | 0.03 | |
| Return On Assets | 0.01 | 0.01 | |
| Return On Equity | 0.09 | 0.11 |
Determining Norwood Financial's profitability involves analyzing its financial statements and using various financial metrics to determine if Norwood Financial is a good buy. For example, gross profit margin measures Norwood Financial's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of Norwood Financial's profitability and make more informed investment decisions.
Evaluate Norwood Financial's management efficiency
Return On Tangible Assets is expected to rise to 0.01 this year. Return On Capital Employed is expected to rise to 0.03 this year. At this time, Norwood Financial's Return On Tangible Assets are quite stable compared to the past year. Intangibles To Total Assets is expected to rise to 0.01 this year, although the value of Total Current Assets will most likely fall to about 62.8 M. Norwood Financial's management efficiency ratios could be used to measure how well Norwood Financial manages its routine affairs as well as how well it operates its assets and liabilities.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 22.36 | 23.48 | |
| Tangible Book Value Per Share | 18.72 | 10.23 | |
| Enterprise Value Over EBITDA | 13.91 | 14.84 | |
| Price Book Value Ratio | 1.47 | 1.64 | |
| Enterprise Value Multiple | 13.91 | 14.84 | |
| Price Fair Value | 1.47 | 1.64 | |
| Enterprise Value | 283.1 M | 297.3 M |
The strategic decisions made by Norwood Financial management significantly impact its financial stability and market performance. Evaluating these factors helps determine whether the stock is a worthwhile investment.
Dividend Yield 0.0393 | Forward Dividend Yield 0.0393 | Forward Dividend Rate 1.2 | Beta 0.608 |
Basic technical analysis of Norwood Stock
As of the 23rd of November, Norwood Financial secures the Mean Deviation of 2.05, risk adjusted performance of 0.108, and Downside Deviation of 2.03. In connection with fundamental indicators, the technical analysis model lets you check existing technical drivers of Norwood Financial Corp, as well as the relationship between them. Please verify Norwood Financial Corp information ratio, potential upside, as well as the relationship between the Potential Upside and kurtosis to decide if Norwood Financial Corp is priced some-what accurately, providing market reflects its recent price of 30.51 per share. Given that Norwood Financial Corp has jensen alpha of 0.071, we recommend you to check Norwood Financial's last-minute market performance to make sure the company can sustain itself at a future point.Norwood Financial's insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Norwood Financial insiders, such as employees or executives, is commonly permitted as long as it does not rely on Norwood Financial's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Norwood Financial insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
Norwood Financial's Outstanding Corporate Bonds
Norwood Financial issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Norwood Financial Corp uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Norwood bonds can be classified according to their maturity, which is the date when Norwood Financial Corp has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
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Understand Norwood Financial's technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing Norwood Financial's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | 0.108 | |||
| Market Risk Adjusted Performance | 0.1648 | |||
| Mean Deviation | 2.05 | |||
| Semi Deviation | 1.88 | |||
| Downside Deviation | 2.03 | |||
| Coefficient Of Variation | 758.73 | |||
| Standard Deviation | 2.52 | |||
| Variance | 6.37 | |||
| Information Ratio | 0.08 | |||
| Jensen Alpha | 0.071 | |||
| Total Risk Alpha | (0.07) | |||
| Sortino Ratio | 0.0997 | |||
| Treynor Ratio | 0.1548 | |||
| Maximum Drawdown | 12.62 | |||
| Value At Risk | (3.48) | |||
| Potential Upside | 4.08 | |||
| Downside Variance | 4.11 | |||
| Semi Variance | 3.54 | |||
| Expected Short fall | (2.66) | |||
| Skewness | 0.3397 | |||
| Kurtosis | 0.306 |
| Risk Adjusted Performance | 0.108 | |||
| Market Risk Adjusted Performance | 0.1648 | |||
| Mean Deviation | 2.05 | |||
| Semi Deviation | 1.88 | |||
| Downside Deviation | 2.03 | |||
| Coefficient Of Variation | 758.73 | |||
| Standard Deviation | 2.52 | |||
| Variance | 6.37 | |||
| Information Ratio | 0.08 | |||
| Jensen Alpha | 0.071 | |||
| Total Risk Alpha | (0.07) | |||
| Sortino Ratio | 0.0997 | |||
| Treynor Ratio | 0.1548 | |||
| Maximum Drawdown | 12.62 | |||
| Value At Risk | (3.48) | |||
| Potential Upside | 4.08 | |||
| Downside Variance | 4.11 | |||
| Semi Variance | 3.54 | |||
| Expected Short fall | (2.66) | |||
| Skewness | 0.3397 | |||
| Kurtosis | 0.306 |
Consider Norwood Financial's intraday indicators
Norwood Financial intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Norwood Financial stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
Norwood Financial Corporate Filings
10Q | 7th of November 2024 Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations | ViewVerify |
8K | 28th of October 2024 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
F4 | 11th of September 2024 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
F3 | 23rd of July 2024 The report used by insiders such as officers, directors, and major shareholders (beneficial owners holding more than 10% of any class of the company's equity securities) to declare their ownership of a company's stock | ViewVerify |
Norwood Stock media impact
Far too much social signal, news, headlines, and media speculation about Norwood Financial that are available to investors today. That information is available publicly through Norwood media outlets and privately through word of mouth or via Norwood internal channels. However, regardless of the origin, that massive amount of Norwood data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of Norwood Financial news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of Norwood Financial relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to Norwood Financial's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive Norwood Financial alpha.
Norwood Financial Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards Norwood Financial can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
Norwood Financial Corporate Management
| John Carmody | Chief Credit Officer and Sr. VP | Profile | |
| Vincent OBell | Executive Officer | Profile | |
| Tracie Young | Senior Risk | Profile | |
| Joseph Mahon | Senior Leader | Profile |
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 Options Analysis module to analyze and evaluate options and option chains as a potential hedge for your portfolios.
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.
In summary, please note that there is a difference between Norwood Financial's value and its price, as these two are different measures arrived at by various 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.