Norwood Financial Corp. (NWFL) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Norwood Financial Corp.

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Pioneer Bancorp, Inc. (New York)

Oak Valley Bancorp

Why is Norwood Financial Corp. ?

High Profitability with a Net Interest Margin of 8.49%

Strong Long Term Fundamental Strength with a 10.66% CAGR growth in Net Profits

With a growth in Interest of NAN%, the company declared Outstanding results in Dec 25

PRE-TAX PROFIT(Q) At USD 9.37 MM has Grown at 290.62%
NET PROFIT(Q) At USD 7.44 MM has Grown at 288.57%
NII(Q) Highest at USD 20.94 MM

With ROA of 0.96%, it has a fair valuation with a 1.29 Price to Book Value

Over the past year, while the stock has generated a return of 17.56%, its profits have risen by 2791%

High Institutional Holdings at 43.69%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 3.01% over the previous quarter.

Real-Time Research Report

Verdict Report

How 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?

Low Risk, Medium Return

Absolute

Risk Adjusted

Volatility

Norwood Financial Corp.

16.47%

0.65

27.77%

S&P 500

13.68%

0.71

19.28%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

16.70%

EBIT Growth (5y)

9.61%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

41.53%

Pledged Shares

Institutional Holding

43.69%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.29

EV to EBIT

9.92

EV to EBITDA

9.61

EV to Capital Employed

1.27

EV to Sales

2.66

PEG Ratio

Dividend Yield

3.54%

ROCE (Latest)

12.80%

ROE (Latest)

11.46%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Sideways

Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

Mildly Bearish

Mildly Bullish

OBV

Mildly Bearish

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

29What is working for the Company

PRE-TAX PROFIT(Q)

At USD 9.37 MM has Grown at 290.62%

NET PROFIT(Q)

At USD 7.44 MM has Grown at 288.57%

NII(Q)

Highest at USD 20.94 MM

ROCE(HY)

Highest at 1.17%

DIVIDEND PER SHARE(HY)

Highest at USD 0

NET SALES(Q)

Highest at USD 33.05 MM

CASH AND EQV(HY)

Highest at USD 82.47 MM

-3What is not working for the Company

ROCE(HY)

Lowest at 1.17%

CREDIT DEPOSIT RATIO(HY)

Lowest at 89.16%

Here's what is working for Norwood Financial Corp.

Pre-Tax Profit

At USD 9.37 MM has Grown at 290.62%

over average net sales of the previous four periods of USD 2.4 MM

MOJO Watch

Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (USD MM)

Net Profit

At USD 7.44 MM has Grown at 288.57%

over average net sales of the previous four periods of USD 1.92 MM

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (USD MM)

NII

Highest at USD 20.94 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Net Sales

Highest at USD 33.05 MM and Grown

In each period in the last five periods

MOJO Watch

Near term sales trend is very positive

Net Sales (USD MM)

Dividend per share

Highest at USD 0 and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Cash and Eqv

Highest at USD 82.47 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Here's what is not working for Norwood Financial Corp.

Credit Deposit Ratio

Lowest at 89.16%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)