Norwood Financial Corp - Understand $nwfl stock

$NWFL Market Cap: $244.8 Million

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Financial Snapshot

Revenue

$5.465M

TTM

Gross Margin

Net Earnings

$12.85M

TTM

Current Assets

Current Liabilities

$65.14M

Q3 2024

Current Ratio

Total Assets

$2.280B

Q3 2024

Total Liabilities

$2.084B

Q3 2024

Book Value

$195.7M

Q3 2024

Cash

$82.88M

Q3 2024

P/E

19.06

Nov 29, 2024 EST

Free Cash Flow

$22.14M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995
Revenue	$7.136M	$8.761M	$71.07M	$58.46M	$47.28M	$42.50M	$38.99M
YoY Change	-18.55%	-87.67%	21.58%	23.63%	11.27%	9.0%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017
Revenue	$7.136M	$8.761M	$71.07M	$58.46M	$47.28M	$42.50M	$38.99M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$1.460M	$1.571M	$1.600M	$1.430M	$1.110M	$1.030M	$1.070M	$850.0K	$660.0K	$690.0K	$730.0K	$720.0K	$640.0K	$510.0K	$600.0K	$630.0K	$620.0K	$550.0K	$590.0K	$590.0K	$690.0K	$800.0K	$790.0K	$790.0K	$860.0K	$880.0K	$1.000M	$720.0K	$520.0K
YoY Change	-7.07%	-1.81%	11.89%	28.83%	7.77%	-3.74%	25.88%	28.79%	-4.35%	-5.48%	1.39%	12.5%	25.49%	-15.0%	-4.76%	1.61%	12.73%	-6.78%	0.0%	-14.49%	-13.75%	1.27%	0.0%	-8.14%	-2.27%	-12.0%	38.89%	38.46%	-39.53%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017
Interest Expense	$33.47M	$7.269M	$5.757M	$7.979M	$8.678M	$5.657M	$4.080M
YoY Change	360.49%	26.26%	-27.85%	-8.05%	53.4%	38.65%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995
Pretax Income	$21.15M	$36.39M	$30.86M	$18.37M	$16.82M	$16.20M	$14.75M	$8.600M	$7.540M	$10.26M	$11.17M	$11.44M	$9.940M	$9.980M	$9.350M	$9.510M	$9.140M	$8.590M	$7.840M	$7.010M	$6.350M	$5.980M	$5.800M	$5.360M	$5.020M	$4.630M	$3.770M	$2.340M	$2.450M
YoY Change	-41.88%	17.9%	68.03%	9.17%	3.82%	9.87%	71.5%	14.06%	-26.51%	-8.15%	-2.36%	15.09%	-0.4%	6.74%	-1.68%	4.05%	6.4%	9.57%	11.84%	10.39%	6.19%	3.1%	8.21%	6.77%	8.42%	22.81%	61.11%	-4.49%	40.8%
Income Tax	$4.387M	$7.152M	$5.945M	$3.286M	$2.608M	$2.553M	$6.551M	$1.880M	$1.630M	$2.610M	$2.710M	$3.040M	$2.580M	$2.660M	$2.280M	$2.840M	$2.630M	$2.680M	$2.340M	$2.000M	$1.690M	$1.620M	$1.600M	$1.500M	$1.510M	$1.390M	$1.070M	$470.0K	$650.0K
% Of Pretax Income	20.75%	19.66%	19.26%	17.89%	15.5%	15.76%	44.42%	21.86%	21.62%	25.44%	24.26%	26.57%	25.96%	26.65%	24.39%	29.86%	28.77%	31.2%	29.85%	28.53%	26.61%	27.09%	27.59%	27.99%	30.08%	30.02%	28.38%	20.09%	26.53%
Net Earnings	$16.76M	$29.23M	$24.92M	$15.08M	$14.22M	$13.65M	$8.198M	$6.710M	$5.910M	$7.660M	$8.470M	$8.400M	$7.360M	$7.310M	$7.060M	$6.680M	$6.510M	$5.910M	$5.500M	$5.010M	$4.650M	$4.350M	$4.200M	$3.860M	$3.510M	$3.240M	$2.710M	$1.870M	$1.800M
YoY Change	-42.67%	17.33%	65.22%	6.09%	4.13%	66.52%	22.18%	13.54%	-22.85%	-9.56%	0.83%	14.13%	0.68%	3.54%	5.69%	2.61%	10.15%	7.45%	9.78%	7.74%	6.9%	3.57%	8.81%	9.97%	8.33%	19.56%	44.92%	3.89%	33.33%
Net Earnings / Revenue	234.85%	333.67%	35.06%	25.8%	30.06%	32.12%	21.03%
Basic Earnings Per Share	$2.08	$3.59	$3.05	$2.09	$2.27	$2.19	$1.32
Diluted Earnings Per Share	$2.07	$3.58	$3.04	$2.09	$2.25	$2.17	$1.31	$1.151M	$1.067M	$1.395M	$1.554M	$1.550M	$1.449M	$1.603M	$1.548M	$1.462M	$1.397M	$1.257M	$1.165M	$1.071M	$1.013M	$966.7K	$954.5K	$887.4K	$801.4K	$734.7K	$627.3K	$422.1K	$389.6K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$17.84M	$17.92M	$17.30M	$17.80M	$14.20M	$13.80M	$13.90M	$13.50M	$6.500M	$6.700M	$7.100M	$7.300M	$7.500M	$4.900M	$5.200M	$5.500M	$5.700M	$6.000M	$5.400M	$5.500M	$5.600M	$6.000M	$6.000M	$6.200M	$6.700M	$7.100M	$7.300M	$7.800M	$7.000M
YoY Change	-0.48%	3.61%	-2.81%	25.35%	2.9%	-0.72%	2.96%	107.69%	-2.99%	-5.63%	-2.74%	-2.67%	53.06%	-5.77%	-5.45%	-3.51%	-5.0%	11.11%	-1.82%	-1.79%	-6.67%	0.0%	-3.23%	-7.46%	-5.63%	-2.74%	-6.41%	11.43%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	$21.35M	$23.55M					$4.800M	$9.000M	$3.700M	$3.300M	$4.800M
YoY Change	-9.33%						-46.67%	143.24%	12.12%	-31.25%
Total Long-Term Assets
YoY Change
Total Assets	$2.201B	$2.047B	$2.069B	$1.852B	$1.231B	$1.185B	$1.133B	$1.111B	$750.5M	$711.6M	$711.2M	$672.3M	$668.8M	$537.0M	$529.7M	$504.3M	$480.6M	$454.4M	$433.6M	$411.6M	$387.5M	$367.5M	$346.0M	$326.7M	$314.8M	$279.0M	$263.1M	$260.6M	$217.3M
YoY Change
Accounts Payable	$10.51M	$2.653M	$1.200M	$1.600M	$2.400M	$1.800M	$1.400M	$1.100M	$1.000M	$1.000M	$1.000M	$1.200M	$1.300M	$1.500M	$2.100M	$2.200M	$3.200M	$2.900M	$1.700M	$1.200M	$1.300M	$1.700M	$2.300M	$3.100M	$2.400M	$2.300M	$2.400M	$2.200M	$1.800M
YoY Change	296.16%	121.08%	-25.0%	-33.33%	33.33%	28.57%	27.27%	10.0%	0.0%	0.0%	-16.67%	-7.69%	-13.33%	-28.57%	-4.55%	-31.25%	10.34%	70.59%	41.67%	-7.69%	-23.53%	-26.09%	-25.81%	29.17%	4.35%	-4.17%	9.09%	22.22%
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt	$74.08M	$50.95M	$60.80M	$63.30M	$30.50M	$37.50M	$24.30M	$32.80M	$33.60M	$25.70M	$36.50M	$28.70M	$21.80M	$33.30M	$25.80M	$34.50M	$25.90M	$22.70M
YoY Change	45.39%	-16.2%	-3.95%	107.54%	-18.67%	54.32%	-25.91%	-2.38%	30.74%	-29.59%	27.18%	31.65%	-34.53%	29.07%	-25.22%	33.2%	14.1%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$84.59M	$53.60M	$1.200M	$1.600M	$2.400M	$1.800M	$1.400M	$1.100M	$1.000M	$1.000M	$1.000M	$1.200M	$1.300M	$1.500M	$2.100M	$2.200M	$3.200M	$2.900M	$1.700M	$1.200M	$1.300M	$1.700M	$2.300M	$3.100M	$2.400M	$2.300M	$2.400M	$2.200M	$1.800M
YoY Change	57.8%	4367.0%	-25.0%	-33.33%	33.33%	28.57%	27.27%	10.0%	0.0%	0.0%	-16.67%	-7.69%	-13.33%	-28.57%	-4.55%	-31.25%	10.34%	70.59%	41.67%	-7.69%	-23.53%	-26.09%	-25.81%	29.17%	4.35%	-4.17%	9.09%	22.22%
Long-Term Debt	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change
Other Long-Term Liabilities	$16.03M	$16.39M	$14.40M	$14.30M	$14.50M	$8.400M	$7.900M	$8.800M	$3.300M	$3.800M	$3.500M	$3.000M	$4.200M	$2.600M	$2.900M	$2.600M	$1.900M	$5.400M	$1.600M	$100.0K	$800.0K	$1.800M	$2.000M	$3.400M	$3.700M	$5.500M	$2.400M	$1.700M	$700.0K
YoY Change	-2.21%	13.82%	0.7%	-1.38%	72.62%	6.33%	-10.23%	166.67%	-13.16%	8.57%	16.67%	-28.57%	61.54%	-10.34%	11.54%	36.84%	-64.81%	237.5%	1500.0%	-87.5%	-55.56%	-10.0%	-41.18%	-8.11%	-32.73%	129.17%	41.18%	142.86%
Total Long-Term Liabilities	$16.03M	$16.39M	$14.40M	$14.30M	$14.50M	$8.400M	$7.900M	$8.800M	$3.300M	$3.800M	$3.500M	$3.000M	$4.200M	$2.600M	$2.900M	$2.600M	$1.900M	$5.400M	$1.600M	$100.0K	$800.0K	$1.800M	$2.000M	$3.400M	$3.700M	$5.500M	$2.400M	$1.700M	$700.0K
YoY Change	-2.21%	13.82%	0.7%	-1.38%	72.62%	6.33%	-10.23%	166.67%	-13.16%	8.57%	16.67%	-28.57%	61.54%	-10.34%	11.54%	36.84%	-64.81%	237.5%	1500.0%	-87.5%	-55.56%	-10.0%	-41.18%	-8.11%	-32.73%	129.17%	41.18%	142.86%
Total Liabilities	$2.020B	$1.880B	$1.863B	$1.657B	$1.093B	$1.062B	$1.017B	$1.000B	$649.5M	$612.6M	$619.4M	$579.9M	$580.8M	$469.3M	$465.2M	$445.6M	$424.8M	$402.1M	$385.4M	$365.9M	$344.7M	$327.3M	$310.9M	$295.4M	$288.2M	$251.3M	$238.6M	$239.1M	$194.5M
YoY Change	7.45%	0.9%	12.44%	51.58%	2.91%	4.43%	1.71%	53.98%	6.02%	-1.1%	6.81%	-0.15%	23.76%	0.88%	4.4%	4.9%	5.65%	4.33%	5.33%	6.15%	5.32%	5.28%	5.25%	2.5%	14.68%	5.32%	-0.21%	22.93%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2014	2013	2012
Basic Shares Outstanding	8.062M	8.137M	8.178M	7.203M	6.260M	6.232M	6.210M	3.645M	3.627M	3.280K
Diluted Shares Outstanding	8.084M	8.177M	8.199M	7.230M	6.332M	6.290M	6.271M
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $244.78 Million

About NORWOOD FINANCIAL CORP

Norwood Financial Corp. is a bank holding company, which offers financial services and traditional banking to individual, business and government customers. The company is headquartered in Honesdale, Pennsylvania and currently employs 261 full-time employees. The Bank is an independent community bank with about 15 offices in Northeastern Pennsylvania and 14 offices in Delaware, Sullivan, Ontario, Otsego and Yates Counties, New York. The Bank offers a variety of personal and business credit services and trust and investment products and real estate settlement services to the consumers, businesses, nonprofit organizations, and municipalities in each of the communities that the Bank serves. The Bank serves the northeastern Pennsylvania counties of Wayne, Pike, Monroe, Lackawanna and Luzerne and, to a much lesser extent, Susquehanna County in addition to the New York counties of Delaware, Sullivan, Ontario, Otsego and Yates. The Bank operates automated teller machines at twenty-nine branch facilities plus one machine at an off-site location. The Bank operates a Wealth Management/Trust Department which provides estate planning, investment management and financial planning.

Industry: State Commercial Banks Peers: Bank7 Corp. Community West Bancshares EVANS BANCORP INC FIDELITY D & D BANCORP INC First Guaranty Bancshares, Inc. Orange County Bancorp, Inc. /DE/ PNC FINANCIAL SERVICES GROUP, INC. River Financial Corp