ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Norwood Financial Corp. ?
1
High Profitability with a Net Interest Margin of 8.49%
2
Strong Long Term Fundamental Strength with a 10.66% CAGR growth in Net Profits
3
With a growth in Interest of NAN%, the company declared Outstanding results in Mar 26
- The company has declared positive results for the last 5 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at USD 30.55 MM
- NII(Q) Highest at USD 24.55 MM
- NET PROFIT(HY) Higher at USD 15 MM
4
With ROA of 0.65%, it has a fair valuation with a 1.31 Price to Book Value
- Over the past year, while the stock has generated a return of 20.98%, its profits have risen by 2791%
5
High Institutional Holdings at 42.03%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Norwood Financial Corp. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Norwood Financial Corp. for you?
Medium Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Norwood Financial Corp.
20.98%
0.95
26.95%
S&P 500
20.78%
1.56
13.28%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
16.70%
EBIT Growth (5y)
9.41%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
41.59%
Pledged Shares
0
Institutional Holding
42.03%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
1.31
EV to EBIT
10.13
EV to EBITDA
9.71
EV to Capital Employed
1.28
EV to Sales
2.69
PEG Ratio
NA
Dividend Yield
3.50%
ROCE (Latest)
12.66%
ROE (Latest)
11.46%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend26What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 30.55 MM
NII(Q)
Highest at USD 24.55 MM
NET PROFIT(HY)
Higher at USD 15 MM
ROCE(HY)
Highest at 0.97%
DIVIDEND PER SHARE(HY)
Highest at USD 0
NET SALES(Q)
Highest at USD 38.38 MM
DIVIDEND PAYOUT RATIO(Y)
Highest at 92.43%
-5What is not working for the Company
ROCE(HY)
Lowest at 0.97%
GROSS NPA (%)
(Q
EPS(Q)
Lowest at USD 0.35
Here's what is working for Norwood Financial Corp.
Net Profit
At USD 15 MM has Grown at 318.02%
Year on Year (YoY)MOJO Watch
Net Profit trend is very positive
Net Profit (USD MM)
NII
Highest at USD 24.55 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Cash Flow
Highest at USD 30.55 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Sales
Highest at USD 38.38 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Net Profit
Higher at USD 15 MM
than preceding 12 month period ended Mar 2026MOJO Watch
In the half year the company has already crossed Net Profit of the previous twelve months
Net Profit (USD MM)
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Net Sales
At USD 38.38 MM has Grown at 21.34%
over average net sales of the previous four periods of USD 31.63 MMMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Dividend Payout Ratio
Highest at 92.43%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Here's what is not working for Norwood Financial Corp.
Non Performing Loans (%)
Highest at 0.46%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
EPS
Lowest at USD 0.35
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (USD)
Capital Adequacy Ratio
Lowest at 11.8%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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