ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Norwood Financial Corp. ?
1
High Profitability with a Net Interest Margin of 5.02%
2
Strong Long Term Fundamental Strength with a -24.98% CAGR growth in Net Profits
3
With a growth in Interest of NAN%, the company declared Outstanding results in Jun 25
- NII(Q) Highest at USD 19.07 MM
- DIVIDEND PER SHARE(HY) Highest at USD 0
- NET SALES(Q) Highest at USD 31.21 MM
4
High Institutional Holdings at 40.41%
- 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.
-5.41%
0.46
32.60%
S&P 500
12.66%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
20.08%
EBIT Growth (5y)
-182.96%
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
0
Pledged Shares
0
Institutional Holding
40.41%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
204
Industry P/E
Price to Book Value
1.09
EV to EBIT
275.65
EV to EBITDA
193.98
EV to Capital Employed
1.08
EV to Sales
2.38
PEG Ratio
NA
Dividend Yield
4.08%
ROCE (Latest)
0.03%
ROE (Latest)
0.53%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend22What is working for the Company
NII(Q)
Highest at USD 19.07 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
NET SALES(Q)
Highest at USD 31.21 MM
CASH AND EQV(HY)
Highest at USD 63.78 MM
OPERATING PROFIT(Q)
Highest at USD 7.83 MM
OPERATING PROFIT MARGIN(Q)
Highest at 25.1 %
PRE-TAX PROFIT(Q)
Highest at USD 7.83 MM
NET PROFIT(Q)
Highest at USD 6.21 MM
EPS(Q)
Highest at USD 0.67
-7What is not working for the Company
NET PROFIT(9M)
At USD -0.67 MM has Grown at -107.48%
OPERATING CASH FLOW(Y)
Lowest at USD 25.11 MM
Here's what is working for Norwood Financial Corp.
Pre-Tax Profit
At USD 7.83 MM has Grown at 2,104.64%
over average net sales of the previous four periods of USD 0.36 MMMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 6.21 MM has Grown at 2,005.17%
over average net sales of the previous four periods of USD 0.29 MMMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
NII
Highest at USD 19.07 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at USD 31.21 MM and Grown
In each period in the last five periodsMOJO 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 yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Operating Profit
Highest at USD 7.83 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 25.1 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 7.83 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 6.21 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.67
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Cash and Eqv
Highest at USD 63.78 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Here's what is not working for Norwood Financial Corp.
Operating Cash Flow
Lowest at USD 25.11 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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