NWFL
ACHAT TOTAL: 3 100 titres (~107 105,00 $ US)
- Insiders
- Shook James
- Total bought
- $107,105
- Total sold
- —
- Last activity
- 2026-07-28
- Last synced
-
2026-08-03 10:19:38
Insider holdings as a share of total assets aren't available for this company.
Price (1 year)
Live chart from TradingView - pulls its own market data, independent of this site's database. Symbol resolution is best-effort (defaults to NASDAQ) since we don't store the exchange prefix.
Market snapshot
Signal
Neutral signal Scored 2026-09-07
NWFL presents a mixed picture: while the insider buy post-Q2 earnings and strong fundamental trend recovery (score 75) are encouraging, the critically low liquidity ratios (current/quick at 0.156) and interest coverage…
The first sentence of the analysis written for NWFL on 2026-09-07 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 63.6% | 47.7% | 62.4% | 90.5% | 87.5% | |
| Ebit Margin | 26.1% | -0.3% | 20.4% | 42.5% | 38.9% | |
| Ebitda Margin | 26.9% | 1.1% | 21.8% | 44.3% | 40.9% | |
| Operating Profit Margin | 26.1% | -0.3% | 20.4% | 42.5% | 38.9% | |
| Pretax Profit Margin | 25.7% | -0.3% | 20.4% | 42.5% | 38.9% | |
| Continuous Operations Profit Margin | 20.4% | -0.2% | 16.2% | 34.2% | 31.4% | |
| Net Profit Margin | 20.4% | -0.2% | 16.2% | 34.2% | 31.4% | |
| Bottom Line Profit Margin | 20.4% | -0.2% | 16.2% | 34.2% | 31.4% | |
| Current Ratio | 0.156 | 0.239 | 0.252 | 0.246 | 0.341 | |
| Quick Ratio | 0.156 | 0.239 | 0.252 | 0.246 | 0.341 | |
| Solvency Ratio | 0.013 | 0.001 | 0.009 | 0.016 | 0.014 | |
| Cash Ratio | 0.021 | 0.036 | 0.035 | 0.017 | 0.114 | |
| Price To Earnings Ratio | 9.257 | -1,360.500 | 15.822 | 9.315 | 8.521 | |
| Price To Earnings Growth Ratio | -0.001 | 13.475 | -0.376 | 0.526 | 0.186 | |
| Forward Price To Earnings Growth Ratio | -0.001 | 13.475 | -0.376 | 0.526 | 0.186 | |
| Price To Earnings Diluted Ratio | 9.257 | -1,360.500 | 15.899 | 9.341 | 8.549 | |
| Price To Earnings Diluted Growth Ratio | -0.001 | 13.475 | -0.377 | 0.526 | 0.188 | |
| Price To Book Ratio | 1.061 | 1.020 | 1.464 | 1.629 | 1.035 | |
| Price To Sales Ratio | 1.888 | 2.146 | 2.558 | 3.179 | 2.676 | |
| Price To Free Cash Flow Ratio | 8.788 | 11.061 | 9.333 | 9.520 | 7.607 | |
| Price To Operating Cash Flow Ratio | 7.567 | 9.544 | 8.891 | 8.853 | 7.279 | |
| Debt To Assets Ratio | 0.031 | 0.084 | 0.076 | 0.085 | 0.044 | |
| Debt To Equity Ratio | 0.306 | 0.913 | 0.930 | 1.037 | 0.442 | |
| Debt To Capital Ratio | 0.234 | 0.477 | 0.482 | 0.509 | 0.307 | |
| Long Term Debt To Capital Ratio | 0.108 | 0.219 | 0.278 | 0.193 | 0.128 | |
| Financial Leverage Ratio | 10.014 | 10.854 | 12.156 | 12.252 | 10.077 | |
| Working Capital Turnover Ratio | -0.082 | -0.069 | -0.073 | -0.066 | -0.065 | |
| Operating Cash Flow Ratio | 0.016 | 0.011 | 0.016 | 0.016 | 0.016 | |
| Operating Cash Flow Sales Ratio | 0.249 | 0.225 | 0.288 | 0.359 | 0.368 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.861 | 0.863 | 0.953 | 0.930 | 0.957 | |
| Debt Service Coverage Ratio | 0.315 | 0.007 | 0.138 | 0.219 | 0.398 | |
| Interest Coverage Ratio | 0.736 | -0.005 | 0.632 | 5.006 | 5.360 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.760 | 0.169 | 0.303 | 0.231 | 0.480 | |
| Operating Cash Flow Coverage Ratio | 0.458 | 0.117 | 0.177 | 0.177 | 0.321 | |
| Capital Expenditure Coverage Ratio | 7.196 | 7.294 | 21.122 | 14.275 | 23.210 | |
| Dividend Paid And Capex Coverage Ratio | 2.096 | 1.775 | 2.754 | 2.717 | 2.980 | |
| Dividend Payout Ratio | 0.414 | -60.744 | 0.562 | 0.313 | 0.343 | |
| Enterprise Value Multiple | 7.843 | 304.024 | 16.250 | 10.893 | 2.978 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 63.6% | ▲16.0% | ▼-6.7% |
| Ebit Margin | 26.1% | ▲26.3% | ▲0.5% |
| Ebitda Margin | 26.9% | ▲25.8% | ▼-0.1% |
| Operating Profit Margin | 26.1% | ▲26.3% | ▲0.5% |
| Pretax Profit Margin | 25.7% | ▲26.0% | ▲0.3% |
| Continuous Operations Profit Margin | 20.4% | ▲20.5% | 0.0% |
| Net Profit Margin | 20.4% | ▲20.5% | 0.0% |
| Bottom Line Profit Margin | 20.4% | ▲20.5% | 0.0% |
| Current Ratio | 0.156 | ▼-0.082 | ▼-0.090 |
| Quick Ratio | 0.156 | ▼-0.082 | ▼-0.090 |
| Solvency Ratio | 0.013 | ▲0.013 | ▲0.003 |
| Cash Ratio | 0.021 | ▼-0.015 | ▼-0.024 |
| Price To Earnings Ratio | 9.257 | ▲1369.757 | ▲272.774 |
| Price To Earnings Growth Ratio | -0.001 | ▼-13.476 | ▼-2.763 |
| Forward Price To Earnings Growth Ratio | -0.001 | ▼-13.476 | ▼-2.763 |
| Price To Earnings Diluted Ratio | 9.257 | ▲1369.757 | ▲272.748 |
| Price To Earnings Diluted Growth Ratio | -0.001 | ▼-13.475 | ▼-2.763 |
| Price To Book Ratio | 1.061 | ▲0.042 | ▼-0.180 |
| Price To Sales Ratio | 1.888 | ▼-0.258 | ▼-0.601 |
| Price To Free Cash Flow Ratio | 8.788 | ▼-2.273 | ▼-0.474 |
| Price To Operating Cash Flow Ratio | 7.567 | ▼-1.978 | ▼-0.860 |
| Debt To Assets Ratio | 0.031 | ▼-0.053 | ▼-0.033 |
| Debt To Equity Ratio | 0.306 | ▼-0.607 | ▼-0.419 |
| Debt To Capital Ratio | 0.234 | ▼-0.243 | ▼-0.167 |
| Long Term Debt To Capital Ratio | 0.108 | ▼-0.111 | ▼-0.077 |
| Financial Leverage Ratio | 10.014 | ▼-0.841 | ▼-1.057 |
| Working Capital Turnover Ratio | -0.082 | ▼-0.013 | ▼-0.011 |
| Operating Cash Flow Ratio | 0.016 | ▲0.004 | ▲0.001 |
| Operating Cash Flow Sales Ratio | 0.249 | ▲0.025 | ▼-0.048 |
| Free Cash Flow Operating Cash Flow Ratio | 0.861 | ▼-0.002 | ▼-0.052 |
| Debt Service Coverage Ratio | 0.315 | ▲0.309 | ▲0.100 |
| Interest Coverage Ratio | 0.736 | ▲0.741 | ▼-1.610 |
| Short Term Operating Cash Flow Coverage Ratio | 0.760 | ▲0.591 | ▲0.371 |
| Operating Cash Flow Coverage Ratio | 0.458 | ▲0.341 | ▲0.208 |
| Capital Expenditure Coverage Ratio | 7.196 | ▼-0.097 | ▼-7.423 |
| Dividend Paid And Capex Coverage Ratio | 2.096 | ▲0.320 | ▼-0.369 |
| Dividend Payout Ratio | 0.414 | ▲61.158 | ▲12.236 |
| Enterprise Value Multiple | 7.843 | ▼-296.182 | ▼-60.555 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $257.0M | $217.7M | $265.2M | $272.1M | $212.5M | |
| Enterprise value | $286.7M | $340.2M | $367.3M | $413.5M | $96.7M | |
| EV / Sales | 2.11x | 3.35x | 3.54x | 4.83x | 1.22x | |
| EV / Op. cash flow | 8.44x | 14.92x | 12.32x | 13.45x | 3.31x | |
| EV / Free cash flow | 9.80x | 17.29x | 12.93x | 14.47x | 3.46x | |
| EV / EBITDA | 7.84x | 304.02x | 16.25x | 10.89x | 2.98x | |
| Net debt / EBITDA | 0.81x | 109.49x | 4.52x | 3.72x | -3.57x | |
| Current ratio | 0.16x | 0.24x | 0.25x | 0.25x | 0.34x | |
| Income quality | 1.22x | -142.54x | 1.78x | 1.05x | 1.17x | |
| Graham number | $42 | — | $32 | $41 | $41 | |
| Graham net-net | -$202 | -$203 | -$191 | -$175 | -$152 | |
| Tax burden | 79.3% | 62.0% | 79.3% | 80.3% | 80.7% | |
| Interest burden | 98.7% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | -$1.80B | -$1.53B | -$1.42B | -$1.41B | -$1.20B | |
| Invested capital | -$1.75B | -$1.48B | -$1.38B | -$1.36B | -$1.15B | |
| Return on assets | 1.1% | -0.0% | 0.8% | 1.4% | 1.2% | |
| Operating ROA | 1.5% | -0.0% | 1.0% | 1.8% | 1.6% | |
| Return on tangible assets | 1.2% | -0.0% | 0.8% | 1.4% | 1.2% | |
| Return on equity | 11.5% | -0.1% | 9.3% | 17.5% | 12.1% | |
| Return on invested capital | 8.4% | -0.0% | 4.2% | 9.2% | 8.0% | |
| Return on capital employed | 12.3% | -0.1% | 7.1% | 19.8% | 12.4% | |
| Earnings yield | 10.8% | -0.1% | 6.3% | 10.7% | 11.7% | |
| Free cash flow yield | 11.4% | 9.0% | 10.7% | 10.5% | 13.1% | |
| Capex / Op. cash flow | 13.9% | 13.7% | 4.7% | 7.0% | 4.3% | |
| Capex / Depreciation | 321.3% | 227.1% | 96.7% | 137.0% | 78.4% | |
| Capex / Sales | 3.5% | 3.1% | 1.4% | 2.5% | 1.6% | |
| SG&A / Sales | 22.6% | 26.9% | 24.3% | 27.1% | 27.4% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.6% | 0.7% | 0.8% | 0.7% | 0.7% | |
| Intangibles / Total assets | 1.2% | 1.3% | 1.3% | 1.4% | 1.4% | |
| Days sales outstanding | 25d | 30d | 29d | 29d | 27d | |
| Days payables outstanding | 89d | 87d | 98d | 119d | 44d | |
| Operating cycle | 25d | 30d | 29d | 29d | 27d | |
| Cash conversion cycle | -65d | -56d | -70d | -89d | -17d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Valuation
Market cap ▲+18.1%EV / Sales ▼-37.2%EV / EBITDA ▼-97.4%EV / Op. cash flow ▼-6.475Earnings yield ▲+0.109
Profitability
Return on equity ▲+0.115Return on assets ▲+0.012Return on invested capital ▲+0.085Return on capital employed ▲+0.123Operating ROA ▲+0.015Income quality ▲+143.768Tax burden ▲+0.172
Efficiency
Days sales outstanding ▼-5.666Days payables outstanding ▲+2.723Operating cycle ▼-5.666Cash conversion cycle ▼-8.390Capex / Sales ▲+0.004R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-0.082Net debt / EBITDA ▼-108.681Working capital ▼-273657000.000Invested capital ▼-270397000.000Intangibles / Total assets ▼-0.001
Change over 5 years
Valuation
Market cap ▲+20.9%EV / Sales ▲+73.0%EV / EBITDA ▲+163.3%EV / Op. cash flow ▲+5.130Earnings yield ▼-0.009Graham number ▲+0.960
Profitability
Return on equity ▼-0.007Return on assets ▼-0.001Return on invested capital ▲+0.004Return on capital employed ▼-0.001Operating ROA ▼-0.001Income quality ▲+0.052Tax burden ▼-0.015
Efficiency
Days sales outstanding ▼-2.262Days payables outstanding ▲+45.400Operating cycle ▼-2.262Cash conversion cycle ▼-47.661Capex / Sales ▲+0.019R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-0.184Net debt / EBITDA ▲+4.381Working capital ▼-602328000.000Invested capital ▼-596955000.000Intangibles / Total assets ▼-0.002
Employee count
Peer market caps
Congressional trades
No congressional trade data synced.
Recent news
- 2026-07-24 Norwood Financial Q2 Earnings Call Highlights Norwood Financial (NASDAQ: NWFL) reported record second-quarter 2026 earnings and said it has completed the integration of Presence Bank, while management also addressed a customer bankruptcy that led to a modest charge-off during the quarter. President and CEO James Donnelly said the company continued to build momentum in the quarter, citing organic growth, the Presence Bank
- 2026-07-22 Norwood Financial Corp. (NWFL) Q2 2026 Earnings Call Transcript Norwood Financial Corp. (NWFL) Q2 2026 Earnings Call Transcript
- 2026-07-22 Norwood Financial Q2 Earnings Call Highlights Norwood Financial NASDAQ: NWFL reported record second-quarter 2026 earnings and said it has completed the integration of Presence Bank, while management also addressed a customer bankruptcy that led to a modest charge-off during the quarter.
- 2026-07-22 Norwood Financial Corp. (NWFL) Q2 Earnings Miss Estimates Norwood Financial Corp. (NWFL) came out with quarterly earnings of $0.86 per share, missing the Zacks Consensus Estimate of $0.87 per share. This compares to earnings of $0.67 per share a year ago.
- 2026-07-15 Norwood Financial''s Quality Overrides Its Valuation Norwood Financial Corp. receives a soft ''Buy'' rating, reflecting improving fundamentals and adjusted asset quality post-merger activity. NWFL''s recent acquisition of PB Bankshares drove deposits to $2.51 billion and loans to $2.21 billion in Q1 2026, supporting balance sheet growth. Net interest margin rose to 3.04% in Q1 2026, while non-performing loans and assets remain below 0.50%, indicating manageable credit risk.
- 2026-07-15 Norwood Financial Corp. (NWFL) Earnings Expected to Grow: Should You Buy? Norwood Financial (NWFL) doesn''t possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
- 2026-07-10 Why Norwood Financial Corp. (NWFL) is a Great Dividend Stock Right Now Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Norwood Financial (NWFL) have what it takes?
- 2026-06-30 Norwood Financial Corp Announces Timing of Second Quarter 2026 Earnings Release and Conference Call HONESDALE, Pa. , June 30, 2026 (GLOBE NEWSWIRE) -- Norwood Financial Corp (Nasdaq Global Market-NWFL) and its subsidiary, Wayne Bank, will release its second quarter 2026 financial results before market opens on Wednesday, July 22nd, 2026. On the same day, the Company will host a webcast and conference call at 10:00 a.
- 2026-06-30 Norwood Financial Corp Announces Timing of Second Quarter 2026 Earnings Release and Conference Call HONESDALE, Pa., June 30, 2026 (GLOBE NEWSWIRE) -- Norwood Financial Corp (Nasdaq Global Market-NWFL) and its subsidiary, Wayne Bank, will release its second quarter 2026 financial results before market opens on Wednesday, July 22nd, 2026.
- 2026-06-24 Why Norwood Financial Corp. (NWFL) is a Top Dividend Stock for Your Portfolio Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Norwood Financial (NWFL) have what it takes?