Norwood Financial Net Income vs. Current Valuation
| NWFL Stock | USD 30.55 0.35 1.13% |
Net Income | First Reported 1996-09-30 | Previous Quarter 4.2 M | Current Value 3.8 M | Quarterly Volatility 1.7 M |
| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Net Profit Margin | 0.34 | 0.2593 |
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| Operating Profit Margin | 0.31 | 0.3271 |
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| Pretax Profit Margin | 0.46 | 0.3271 |
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| Return On Assets | 0.0121 | 0.0076 |
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| Return On Equity | 0.11 | 0.0926 |
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For Norwood Financial profitability analysis, we use financial ratios and fundamental drivers that measure the ability of Norwood Financial to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well Norwood Financial Corp utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between Norwood Financial's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of Norwood Financial Corp over time as well as its relative position and ranking within its peers.
Norwood |
Norwood Financial's Revenue Breakdown by Earning Segment
Check out Correlation Analysis.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Norwood Financial. If investors know Norwood will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Norwood Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.06) | Dividend Share 1.2 | Earnings Share 1.59 | Revenue Per Share 7.741 | Quarterly Revenue Growth 0.025 |
The market value of Norwood Financial Corp is measured differently than its book value, which is the value of Norwood that is recorded on the company's balance sheet. Investors also form their own opinion of Norwood Financial's value that differs from its market value or its book value, called intrinsic value, which is Norwood Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Norwood Financial's market value can be influenced by many factors that don't directly affect Norwood Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Norwood Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Norwood Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Norwood Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
Norwood Financial Corp Current Valuation vs. Net Income Fundamental Analysis
Comparative valuation techniques use various fundamental indicators to help in determining Norwood Financial's current stock value. Our valuation model uses many indicators to compare Norwood Financial value to that of its competitors to determine the firm's financial worth. Norwood Financial Corp is rated below average in net income category among its peers. It is regarded fifth in current valuation category among its peers reporting about 21.27 of Current Valuation per Net Income. At this time, Norwood Financial's Net Income is quite stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value Norwood Financial by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.Norwood Current Valuation vs. Net Income
Net income is the profit of a company for the reporting period, which is derived after taking revenues and gains and subtracting all expenses and losses. Net income is one of the most-watched numbers by money managers as well as individual investors.
Norwood Financial |
| = | 16.76 M |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
Enterprise Value is a firm valuation proxy that approximates the current market value of a company. It is typically used to determine the takeover or merger price of a firm. Unlike Market Cap, this measure takes into account the entire liquid asset, outstanding debt, and exotic equity instruments that the company has on its balance sheet. When a takeover occurs, the parent company will have to assume the target company's liabilities but will take possession of all cash and cash equivalents.
Norwood Financial |
| = | 356.44 M |
Enterprise Value can be a useful tool to compare companies with different capital structures. Long term liability and current cash or cash equivalents can have a huge impact on market valuation of a given company.
Norwood Current Valuation vs Competition
Norwood Financial Corp is regarded fifth in current valuation category among its peers. After adjusting for long-term liabilities, total market size of Financials industry is now estimated at about 3.99 Billion. Norwood Financial holds roughly 356.44 Million in current valuation claiming about 9% of equities under Financials industry.
Norwood Financial Profitability Projections
The most important aspect of a successful company is its ability to generate a profit. For investors in Norwood Financial, profitability is also one of the essential criteria for including it into their portfolios because, without profit, Norwood Financial will eventually generate negative long term returns. The profitability progress is the general direction of Norwood Financial's change in net profit over the period of time. It can combine multiple indicators of Norwood Financial, where stable trends show no significant progress. An accelerating trend is seen as positive, while a decreasing one is unfavorable. A rising trend means that profits are rising, and operational efficiency may be rising as well. A decreasing trend is a sign of poor performance and may indicate upcoming losses.
| Last Reported | Projected for Next Year | ||
| Accumulated Other Comprehensive Income | -47.3 M | -45 M | |
| Operating Income | 21.1 M | 18.6 M | |
| Income Before Tax | 21.1 M | 12 M | |
| Total Other Income Expense Net | -22.6 M | -21.5 M | |
| Net Income | 16.8 M | 9.1 M | |
| Income Tax Expense | 4.4 M | 2.9 M | |
| Net Income Applicable To Common Shares | 33.6 M | 35.3 M | |
| Net Income From Continuing Ops | 23.5 M | 14.7 M | |
| Net Interest Income | 64 M | 50.3 M | |
| Interest Income | 89.8 M | 59.1 M | |
| Change To Netincome | 1 M | 950.5 K | |
| Net Income Per Share | 2.07 | 1.12 | |
| Income Quality | 1.78 | 1.82 | |
| Net Income Per E B T | 0.79 | 0.59 |
Norwood Profitability Driver Comparison
Profitability drivers are factors that can directly affect your investment outlook on Norwood Financial. Investors often realize that things won't turn out the way they predict. There are maybe way too many unforeseen events and contingencies during the holding period of Norwood Financial position where the market behavior may be hard to predict, tax policy changes, gold or oil price hikes, calamities change, and many others. The question is, are you prepared for these unexpected events? Although some of these situations are obviously beyond your control, you can still follow the important profit indicators to know where you should focus on when things like this occur. Below are some of the Norwood Financial's important profitability drivers and their relationship over time.
Use Norwood Financial in pair-trading
One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if Norwood Financial position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in Norwood Financial will appreciate offsetting losses from the drop in the long position's value.Norwood Financial Pair Trading
Norwood Financial Corp Pair Trading Analysis
The ability to find closely correlated positions to Norwood Financial could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Norwood Financial when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back Norwood Financial - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling Norwood Financial Corp to buy it.
The correlation of Norwood Financial is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as Norwood Financial moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Norwood Financial Corp moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for Norwood Financial can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.Use Investing Themes to Complement your Norwood Financial position
In addition to having Norwood Financial in your portfolios, you can quickly add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your investment opportunity, you can then find an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility.Did You Try This Idea?
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ETF themes focus on helping investors to gain exposure to a broad range of assets, diversify, and lower overall costs. The Consumer Staples ETFs theme has 13 constituents at this time.
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Check out Correlation Analysis. You can also try the Portfolio Analyzer module to portfolio analysis module that provides access to portfolio diagnostics and optimization engine.
To fully project Norwood Financial's future profitability, investors should examine all historical financial statements. These statements provide investors with a comprehensive snapshot of the financial position of Norwood Financial Corp at a specified time, usually calculated after every quarter, six months, or one year. Three primary documents fall into the category of financial statements. These documents include Norwood Financial's income statement, its balance sheet, and the statement of cash flows.