Norwood Financial Corp.
Find Ratings ReportsNORWOOD FINANCIAL CORP's gross profit margin for the fourth quarter of its fiscal year 2023 has significantly decreased when compared to the same period a year ago. Even though sales increased, the net income has decreased.
During the same period, stockholders' equity ("net worth") has increased by 8.36% from the same quarter last year.
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Income Statement | Q4 FY23 | Q4 FY22 |
---|---|---|
Net Sales ($mil) | 28.21 | 22.32 |
EBITDA ($mil) | 4.36 | 12.35 |
EBIT ($mil) | 4.36 | 11.97 |
Net Income ($mil) | 0.35 | 7.14 |
Balance Sheet | Q4 FY23 | Q4 FY22 |
---|---|---|
Cash & Equiv. ($mil) | 66.12 | 31.87 |
Total Assets ($mil) | 2201.08 | 2047.07 |
Total Debt ($mil) | 198.31 | 137.41 |
Equity ($mil) | 181.07 | 167.09 |
Profitability | Q4 FY23 | Q4 FY22 |
---|---|---|
Gross Profit Margin | 40.06 | 84.49 |
EBITDA Margin | 15.46 | 55.32 |
Operating Margin | 15.47 | 53.6 |
Sales Turnover | 0.05 | 0.04 |
Return on Assets | 0.76 | 1.42 |
Return on Equity | 9.26 | 17.5 |
Debt | Q4 FY23 | Q4 FY22 |
---|---|---|
Current Ratio | 0.0 | 0.0 |
Debt/Capital | 0.52 | 0.45 |
Interest Expense | 0.0 | 0.0 |
Interest Coverage | 0.0 | 0.0 |
Share Data | Q4 FY23 | Q4 FY22 |
---|---|---|
Shares outstanding (mil) | 8.11 | 8.17 |
Div / share | 0.29 | 0.28 |
EPS | 0.04 | 0.88 |
Book value / share | 22.33 | 20.46 |
Institutional Own % | n/a | n/a |
Avg Daily Volume | 11571.0 | 13385.0 |
BUY. This stock's P/E ratio indicates a discount compared to an average of 17.75 for the Credit Intermediation and Related Activities subsector and a significant discount compared to the S&P 500 average of 27.95. For additional comparison, its price-to-book ratio of 1.14 indicates a significant discount versus the S&P 500 average of 4.68 and a significant discount versus the subsector average of 8.64. The price-to-sales ratio is well below both the S&P 500 average and the subsector average, indicating a discount. Upon assessment of these and other key valuation criteria, NORWOOD FINANCIAL CORP proves to trade at a discount to investment alternatives.
Price/Earnings |
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Price/Cash Flow |
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NWFL 12.26 | Peers 17.75 | NWFL NA | Peers 20.18 | |||||||||||||||||||||
Discount. A lower P/E ratio than its peers can signify a less expensive stock or lower growth expectations. NWFL is trading at a significant discount to its peers. |
Neutral. The P/CF ratio is the stock’s price divided by the sum of the company's cash flow from operations. It is useful for comparing companies with different capital requirements or financing structures. Ratio not available. |
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Price/Projected Earnings |
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Price to Earnings/Growth |
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NWFL NA | Peers 13.86 | NWFL NA | Peers 1.78 | |||||||||||||||||||||
Neutral. A lower price-to-projected earnings ratio than its peers can signify a less expensive stock or lower future growth potential. Ratio not available. |
Neutral. The PEG ratio is the stock’s P/E divided by the consensus estimate of long-term earnings growth. Faster growth can justify higher price multiples. Ratio not available. |
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Price/Book |
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Earnings Growth |
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NWFL 1.14 | Peers 8.64 | NWFL -42.34 | Peers 24.72 | |||||||||||||||||||||
Discount. A lower price-to-book ratio makes a stock more attractive to investors seeking stocks with lower market values per dollar of equity on the balance sheet. NWFL is trading at a significant discount to its peers. |
Lower. Elevated earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios. However, NWFL is expected to significantly trail its peers on the basis of its earnings growth rate. |
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Price/Sales |
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Sales Growth |
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NWFL 1.98 | Peers 4.87 | NWFL 21.10 | Peers 44.87 | |||||||||||||||||||||
Discount. In the absence of P/E and P/B multiples, the price-to-sales ratio can display the value investors are placing on each dollar of sales. NWFL is trading at a significant discount to its subsector on this measurement. |
Lower. A sales growth rate that trails the subsector implies that a company is losing market share. NWFL significantly trails its peers on the basis of sales growth. |
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