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Norwood Financial Corp is a banks-regional business based in the US. Norwood Financial shares (NWFL) are listed on the NASDAQ and all prices are listed in US Dollars.
|52-week range||USD$20.6002 - USD$31.3996|
|50-day moving average||USD$25.3418|
|200-day moving average||USD$25.8682|
|Wall St. target price||N/A|
|Dividend yield||USD$1.01 (4.21%)|
|Earnings per share (TTM)||USD$2.09|
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Valuing Norwood Financial stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Norwood Financial's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.
Norwood Financial's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 12x. In other words, Norwood Financial shares trade at around 12x recent earnings.
That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.
|Revenue TTM||USD$52.8 million|
|Operating margin TTM||39.73%|
|Gross profit TTM||USD$52.8 million|
|Return on assets TTM||0.98%|
|Return on equity TTM||9.08%|
|Market capitalisation||USD$201 million|
TTM: trailing 12 months
There are currently 50,867 Norwood Financial shares held short by investors – that's known as Norwood Financial's "short interest". This figure is 1.3% down from 51,513 last month.
There are a few different ways that this level of interest in shorting Norwood Financial shares can be evaluated.
Norwood Financial's "short interest ratio" (SIR) is the quantity of Norwood Financial shares currently shorted divided by the average quantity of Norwood Financial shares traded daily (recently around 10296.963562753). Norwood Financial's SIR currently stands at 4.94. In other words for every 100,000 Norwood Financial shares traded daily on the market, roughly 4940 shares are currently held short.
However Norwood Financial's short interest can also be evaluated against the total number of Norwood Financial shares, or, against the total number of tradable Norwood Financial shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case Norwood Financial's short interest could be expressed as 0.01% of the outstanding shares (for every 100,000 Norwood Financial shares in existence, roughly 10 shares are currently held short) or 0.0069% of the tradable shares (for every 100,000 tradable Norwood Financial shares, roughly 7 shares are currently held short).
Such a low SIR usually points to an optimistic outlook for the share price, with fewer people currently willing to bet against Norwood Financial.
Find out more about how you can short Norwood Financial stock.
Dividend payout ratio: 66.16% of net profits
Recently Norwood Financial has paid out, on average, around 66.16% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 4.33% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), Norwood Financial shareholders could enjoy a 4.33% return on their shares, in the form of dividend payments. In Norwood Financial's case, that would currently equate to about $1.01 per share.
Norwood Financial's payout ratio would broadly be considered high, and as such this stock could appeal to those looking to generate an income. Bear in mind however that companies should normally also look to re-invest a decent amount of net profits to ensure future growth.
Norwood Financial's most recent dividend payout was on 1 February 2021. The latest dividend was paid out to all shareholders who bought their shares by 14 January 2021 (the "ex-dividend date").
Norwood Financial's shares were split on a 3:2 basis on 18 September 2017. So if you had owned 2 shares the day before before the split, the next day you'd have owned 3 shares. This wouldn't directly have changed the overall worth of your Norwood Financial shares – just the quantity. However, indirectly, the new 33.3% lower share price could have impacted the market appetite for Norwood Financial shares which in turn could have impacted Norwood Financial's share price.
Over the last 12 months, Norwood Financial's shares have ranged in value from as little as $20.6002 up to $31.3996. A popular way to gauge a stock's volatility is its "beta".
Beta is a measure of a share's volatility in relation to the market. The market (NASDAQ average) beta is 1, while Norwood Financial's is 0.5496. This would suggest that Norwood Financial's shares are less volatile than average (for this exchange).
Norwood Financial Corp. operates as the bank holding company for Wayne Bank that provides various banking products and services. The company accepts a range of deposit products, including interest-bearing and non-interest bearing transaction accounts, and statement savings and money market accounts, as well as certificate of deposits. It also provides various loans, such as commercial loans comprising lines of credit, revolving credit, term loans, mortgages, secured lending products, and letter of credit facilities; municipal finance lending; construction loans for commercial construction projects and single-family residences; land loans; consumer loans; mortgage lending to finance principal residences and second home dwellings; and indirect dealer financing of new and used automobiles, boats, and recreational vehicles. In addition, the company offers investment securities services; trust and investment products; and cash management, direct deposit, remote deposit capture, mobile deposit capture, mobile payment, automated clearing house activity, real estate settlement, and Internet and mobile banking services. Further, it is involved in the annuity and mutual fund sale, and discount brokerage activities, as well as insurance agency business. The company serves consumers, businesses, nonprofit organizations, and municipalities. It operates 27 offices in Northeastern Pennsylvania and the Southern Tier of New York, including 5 offices in Wayne County, 2 offices in Pike County, 4 offices in Monroe County, 2 offices in Lackawanna County, and 2 offices in Luzerne County, Pennsylvania, as well as 28 automated teller machines. The company was founded in 1870 and is headquartered in Honesdale, Pennsylvania.
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