NWFL Stock Forecast, Price Targets, Chart, Dividends & Analysis
Norwood Financial Corp.
NWFL 
NSD
Sector: Financial Services
Industry: Banks - Regional - US
28.02
USD
2.84
(11.28%)
Previous close: 25.18 Open: 24.82 Bid: 11.15 Ask: 44.57
52 week range
23.50 34.50
Mkt Cap: 248 M Avg Vol (90 Days): 54,503
Last updated: Sunday 22nd December 2024
Metrics
Valuation
Price per Sales TTM ($) | 3.84 |
Price per Book TTM ($) | 1.27 |
PE Ratio (TTM) | 19.25 |
Book Value per Share ($) | 24.18 |
5 Year PE Range | NA , NA |
Returns
7 Day Return | -8.46% | |
1 Month Return | -6.07% | |
3 Month Return | 0.93% | |
1 Year Return | -13.87% | |
3 Year Return | 22.18% | |
5 Year Return | -11.60% | |
YTD Return | -14.86% |
Risk
Dividends
Financial Health
Technicals
RSI (14 Day) | 42.92 |
14 Day SMA ($) | 29.57 |
14 Day EMA ($) | 29.11 |
Money Flow Index | 70.22 |
Average True Range | 1.16 |
50 Day SMA ($) | 29.69 |
200 Day SMA ($) | 26.88 |
ADX | 22.13 |
MACD | 1.55 |
Growth
Free Cash Flow QoQ Growth | 0.00% |
Free Cash Flow YoY Growth | 0.00% |
Revenue YoY Growth | 0.00% |
EPS QoQ Growth | 0.00% |
Revenue QoQ Growth | 0.00% |
EPS YoY Growth | 0.00% |
Financials
NWFL Income Statement
Annual
| Dec-14 | Dec-15 | Dec-16 | Dec-17 | Dec-18 | Dec-19 | Dec-20 | Dec-21 | Dec-22 | Dec-23 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Amortization of intangibles | -105000.0 | -122000.0 | -126000.0 | -101000.0 | 114000.0 | 123000.0 | 101000.0 | 85000.0 | ||
| Basic EPS from continuing operations | 1.4 | 1.07 | 1.16 | 1.32 | 2.19 | 2.27 | 2.09 | 3.05 | 3.59 | 2.08 |
| Basic EPS total | 1.4 | 1.07 | 1.16 | 1.32 | 2.19 | 2.27 | 2.09 | 3.05 | 3.59 | 2.08 |
| Basic weighted shares outstanding | 5 M | 6 M | 6 M | 6 M | 6 M | 6 M | 8 M | 8 M | 8 M | |
| CreditLossesProvision | 2 M | 5 M | 2 M | 2 M | 2 M | 1 M | 5 M | 4 M | 900000.0 | 6 M |
| Depreciation | -551000.0 | -726000.0 | -895000.0 | -1 M | 1 M | 1 M | 1 M | 1 M | ||
| Depreciation unreconciled | 121000.0 | 105000.0 | 122000.0 | 150000.0 | 126000.0 | 101000.0 | 114000.0 | 123000.0 | 101000.0 | 85000.0 |
| DepreciationAndAmortization | 121000.0 | 105000.0 | 122000.0 | 150000.0 | 126000.0 | 101000.0 | 114000.0 | 123000.0 | 101000.0 | 85000.0 |
| Diluted EPS total | 1.4 | 1.07 | 1.15 | 1.31 | 2.17 | 2.25 | 2.09 | 3.04 | 3.58 | 2.07 |
| Diluted normalized net income/share | 1.4 | 1.07 | 1.15 | 1.31 | 2.17 | 2.25 | 2.09 | 3.04 | 3.58 | 2.07 |
| Diluted weighted shares outstanding | 5 M | 6 M | 6 M | 6 M | 6 M | 6 M | 8 M | 8 M | 8 M | |
| Dividends paid per share | 0.87 | 0.9 | 0.97 | 1.01 | 1.06 | 1.12 | 1.16 | |||
| Equipment | 441000.0 | 422000.0 | 548000.0 | 699000.0 | 806000.0 | 783000.0 | 1 M | 1 M | 1 M | 1 M |
| FeesAndCommissions | 3 M | 3 M | 3 M | 5 M | 18 M | 27 M | 71000.0 | 92000.0 | 14000.0 | 4000.0 |
| GeneralAndAdministrativeExpense | 2 M | 2 M | 3 M | 3 M | 4 M | 4 M | ||||
| Income before tax | 10 M | 8 M | 9 M | 15 M | 16 M | 17 M | 18 M | 31 M | 36 M | 21 M |
| Income restructuring and M&A | 2 M | 2 M | ||||||||
| Income taxes | 5 M | 3 M | 3 M | 8 M | 3 M | 3 M | 3 M | 6 M | 7 M | 4 M |
| InsuranceAndClaims | 2 M | 2 M | 3 M | 3 M | 4 M | 4 M | ||||
| Interest expense | -3 M | -3 M | -4 M | -4 M | -6 M | -9 M | 8 M | 6 M | 7 M | 33 M |
| InterestExpenseForCapitalizedLeaseObligations | -470000.0 | -518000.0 | ||||||||
| InterestExpenseForDeposit | 2 M | 2 M | 3 M | 3 M | 5 M | 7 M | 7 M | 5 M | 6 M | 26 M |
| InterestExpenseForLongTermDebt | 668000.0 | 752000.0 | 921000.0 | 504000.0 | 690000.0 | 1 M | 1 M | 716000.0 | 274000.0 | 4 M |
| InterestExpenseForLongTermDebtAndCapitalSecurities | 668000.0 | 752000.0 | 921000.0 | 504000.0 | 690000.0 | 1 M | 1 M | 716000.0 | 274000.0 | 4 M |
| InterestExpenseForShortTermDebt | 77000.0 | 85000.0 | 130000.0 | 199000.0 | 323000.0 | 468000.0 | 325000.0 | 284000.0 | 524000.0 | 3 M |
| InterestIncome | 28 M | 28 M | 32 M | 39 M | 42 M | 47 M | 58 M | 71 M | 76 M | 96 M |
| InterestIncomeAfterProvisionForLoanLoss | 21 M | 15 M | 24 M | 31 M | 33 M | 36 M | 45 M | 61 M | 67 M | 57 M |
| InterestIncomeFromDeposits | 81000.0 | 72000.0 | 266000.0 | 602000.0 | 409000.0 | |||||
| InterestIncomeFromInvestmentSecurities | 4 M | 4 M | 5 M | 6 M | 6 M | 5 M | 4 M | 6 M | 9 M | 10 M |
| InterestIncomeFromLoans | 24 M | 24 M | 28 M | 33 M | 36 M | 42 M | 54 M | 65 M | 66 M | 85 M |
| InterestIncomeFromLoansAndLease | 24 M | 24 M | 28 M | 33 M | 36 M | 42 M | 54 M | 65 M | 66 M | 85 M |
| InterestIncomeFromSecurities | 4 M | 4 M | 5 M | 6 M | 6 M | 5 M | 4 M | 6 M | 9 M | 10 M |
| Net income from total operations | 8 M | 6 M | 7 M | 8 M | 14 M | 14 M | 15 M | 25 M | 29 M | 17 M |
| NetIncomeCommonStockholders | 8 M | 6 M | 7 M | 8 M | 14 M | 15 M | 15 M | 25 M | 29 M | 17 M |
| NetIncomeContinuousOperations | 8 M | 6 M | 7 M | 8 M | 14 M | 14 M | 15 M | 25 M | 29 M | 17 M |
| NetInterestIncome | 23 M | 20 M | 27 M | 33 M | 35 M | 37 M | 50 M | 65 M | 68 M | 62 M |
| NetOccupancyExpense | 2 M | 2 M | 2 M | 3 M | 3 M | 3 M | 3 M | 4 M | 4 M | 4 M |
| NonInterestExpense | -18 M | -17 M | -23 M | -25 M | -26 M | -27 M | 34 M | 39 M | 41 M | 43 M |
| NonInterestIncome | 5 M | 5 M | 5 M | 7 M | 7 M | 7 M | 8 M | 8 M | 10 M | 8 M |
| Normalized income | 8 M | -2 M | ||||||||
| OccupancyAndEquipment | 2 M | 2 M | 3 M | 3 M | 4 M | 4 M | 4 M | 5 M | 5 M | 5 M |
| Other special charges | -341000.0 | -367000.0 | -82000.0 | -240000.0 | -13 M | -16 M | -17 M | -19 M | ||
| OtherGandA | 2 M | 2 M | 3 M | 3 M | 4 M | 4 M | ||||
| OtherInterestExpense | -50 M | -65 M | ||||||||
| OtherInterestIncome | 7000.0 | 16000.0 | 42000.0 | 48000.0 | 73000.0 | 81000.0 | ||||
| OtherNonInterestExpense | 1 M | 1 M | 2 M | 2 M | 2 M | 3 M | 6 M | 7 M | 8 M | 8 M |
| OtherNonInterestIncome | 1 M | 1 M | 1 M | 6 M | 8 M | 7 M | 8 M | 9 M | 12 M | 9 M |
| ProfessionalExpenseAndContractServicesExpense | 671000.0 | 730000.0 | 836000.0 | 949000.0 | 993000.0 | 1 M | 1 M | 2 M | 2 M | 2 M |
| PromotionAndAdvertising | 224000.0 | 240000.0 | 283000.0 | 268000.0 | 257000.0 | 267000.0 | 385000.0 | 473000.0 | 516000.0 | 630000.0 |
| Revenue per share | 121000.0 | 105000.0 | 122000.0 | 150000.0 | 126000.0 | 101000.0 | 114000.0 | 123000.0 | 101000.0 | 85000.0 |
| SalariesAndWages | 9 M | 9 M | 11 M | 13 M | 14 M | 15 M | 17 M | 21 M | 22 M | 24 M |
| SecuritiesActivities | 45 M | 111 M | 18 M | 27 M | 71000.0 | 92000.0 | 14000.0 | 4000.0 | ||
| Selling Gen & administrative expense | 11 M | 11 M | 14 M | 16 M | 18 M | 19 M | 18 M | 21 M | 23 M | 24 M |
| SellingAndMarketingExpense | 224000.0 | 240000.0 | 283000.0 | 268000.0 | 257000.0 | 267000.0 | 385000.0 | 473000.0 | 516000.0 | 630000.0 |
| ServiceChargeOnDepositorAccounts | 3 M | 3 M | 3 M | 5 M | ||||||
| Special income/charges | -1 M | -1 M | -4 M | -2 M | -2 M | -3 M | -8 M | -7 M | -8 M | -8 M |
| Total common shares outstanding | 4 M | 4 M | 4 M | 6 M | 6 M | 6 M | 8 M | 8 M | 8 M | 8 M |
| Total net income | 8 M | 6 M | 7 M | 8 M | 14 M | 14 M | 15 M | 25 M | 29 M | 17 M |
| Total ordinary shares | 8 M | 8 M | 8 M | 8 M | 8 M | 8 M | 8 M | 8 M | 8 M | 8 M |
| Total revenues | 28 M | 25 M | 32 M | 40 M | 42 M | 44 M | 58 M | 74 M | 78 M | 70 M |
| TotalRevenue | 28 M | 25 M | 32 M | 40 M | 42 M | 44 M | 58 M | 74 M | 78 M | 70 M |
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