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STOCKS

Norwood Financial (NWFL)

NASDAQ:NWFL

NWFL

Norwood Financial

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Norwood Financial (NWFL) Ratios

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Norwood Financial Ratios

NWFL's free cash flow for Q1 2025 was $0.60. For the 2025 fiscal year, NWFL's free cash flow was decreased by $ and operating cash flow was $0.22. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.19	0.25	10.19	9.99	5.31
Quick Ratio	0.19	0.25	11.06	13.44	7.14
Cash Ratio	0.04	0.03	0.71	3.33	1.72
Solvency Ratio	<0.01	<0.01	0.02	0.01	<0.01
Operating Cash Flow Ratio	0.01	0.02	0.68	0.47	0.21
Short-Term Operating Cash Flow Coverage	0.00	0.30	0.00	0.48	0.22
Net Current Asset Value	$ -1.77B	$ -1.54B	$ -1.42B	$ -1.24B	$ -1.31B
Leverage Ratios
Debt-to-Assets Ratio	0.05	0.08	0.04	0.04	0.06
Debt-to-Equity Ratio	0.54	0.93	0.49	0.44	0.54
Debt-to-Capital Ratio	0.35	0.48	0.33	0.31	0.35
Long-Term Debt-to-Capital Ratio	0.35	0.28	0.19	0.13	0.18
Financial Leverage Ratio	10.77	12.16	12.25	10.08	9.51
Debt Service Coverage Ratio	0.05	0.14	4.24	0.40	0.23
Interest Coverage Ratio	0.03	0.63	6.01	5.36	2.30
Debt to Market Cap	0.50	0.63	0.15	0.43	0.56
Interest Debt Per Share	18.44	25.04	11.00	11.81	15.79
Net Debt to EBITDA	15.56	4.52	1.33	-3.57	-0.30
Profitability Margins
Gross Profit Margin	48.02%	62.44%	100.00%	100.00%	100.00%
EBIT Margin	1.35%	20.42%	46.45%	41.91%	31.53%
EBITDA Margin	2.65%	21.83%	48.46%	44.09%	33.99%
Operating Profit Margin	1.35%	20.42%	55.73%	41.91%	31.53%
Pretax Profit Margin	1.35%	20.42%	46.45%	41.91%	31.53%
Net Profit Margin	1.12%	16.19%	37.32%	33.83%	25.89%
Continuous Operations Profit Margin	1.12%	16.19%	37.32%	33.83%	25.89%
Net Income Per EBT	82.97%	79.25%	80.34%	80.74%	82.11%
EBT Per EBIT	100.00%	100.00%	83.35%	100.00%	100.00%
Return on Assets (ROA)	0.05%	0.76%	1.43%	1.20%	0.81%
Return on Equity (ROE)	0.58%	9.26%	17.50%	12.14%	7.74%
Return on Capital Employed (ROCE)	0.40%	7.12%	2.18%	1.54%	1.03%
Return on Invested Capital (ROIC)	0.33%	4.24%	3.99%	2.32%	2.44%
Return on Tangible Assets	0.05%	0.77%	1.45%	1.22%	0.83%
Earnings Yield	0.51%	6.32%	10.74%	11.72%	8.00%
Efficiency Ratios
Receivables Turnover	12.22	12.75	11.32	12.50	9.35
Payables Turnover	3.93	3.71	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	5.17	5.80	4.37	4.26	3.27
Asset Turnover	0.04	0.05	0.04	0.04	0.03
Working Capital Turnover Ratio	-0.07	-0.07	0.16	0.18	0.26
Cash Conversion Cycle	-62.90	-69.67	32.23	29.19	39.05
Days of Sales Outstanding	29.88	28.64	32.23	29.19	39.05
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	92.78	98.31	0.00	0.00	0.00
Operating Cycle	29.88	28.64	32.23	29.19	39.05
Cash Flow Ratios
Operating Cash Flow Per Share	3.02	3.70	3.78	3.57	1.92
Free Cash Flow Per Share	2.64	3.53	3.51	3.42	1.81
CapEx Per Share	0.38	0.18	0.26	0.15	0.10
Free Cash Flow to Operating Cash Flow	0.87	0.95	0.93	0.96	0.95
Dividend Paid and CapEx Coverage Ratio	2.02	2.75	2.72	2.98	1.72
Capital Expenditure Coverage Ratio	7.89	21.12	14.27	23.21	18.42
Operating Cash Flow Coverage Ratio	0.23	0.18	0.37	0.32	0.13
Operating Cash Flow to Sales Ratio	0.26	0.29	0.39	0.40	0.24
Free Cash Flow Yield	10.27%	10.72%	10.50%	13.15%	6.92%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	197.40	15.82	9.31	8.53	12.50
Price-to-Sales (P/S) Ratio	2.24	2.56	3.47	2.89	3.24
Price-to-Book (P/B) Ratio	1.05	1.46	1.63	1.04	0.97
Price-to-Free Cash Flow (P/FCF) Ratio	9.74	9.33	9.52	7.61	14.45
Price-to-Operating Cash Flow Ratio	8.42	8.89	8.85	7.28	13.66
Price-to-Earnings Growth (PEG) Ratio	0.25	-0.38	0.53	0.19	-1.58
Price-to-Fair Value	1.05	1.46	1.63	1.04	0.97
Enterprise Value Multiple	100.32	16.25	8.50	2.98	9.22
Enterprise Value	278.40M	367.35M	322.50M	96.69M	182.57M
EV to EBITDA	100.32	16.25	8.50	2.98	9.22
EV to Sales	2.65	3.55	4.12	1.31	3.13
EV to Free Cash Flow	11.53	12.93	11.28	3.46	13.99
EV to Operating Cash Flow	10.07	12.32	10.49	3.31	13.23
Tangible Book Value Per Share	20.88	18.81	16.90	21.47	22.90
Shareholders’ Equity Per Share	24.09	22.47	20.53	25.10	27.04
Tax and Other Ratios
Effective Tax Rate	0.17	0.21	0.20	0.19	0.18
Revenue Per Share	11.45	12.85	9.63	9.00	8.09
Net Income Per Share	0.13	2.08	3.59	3.05	2.09
Tax Burden	0.83	0.79	0.80	0.81	0.82
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.25	0.24	0.29	0.32	0.34
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	<0.01	<0.01
Income Quality	23.44	1.78	1.05	1.17	0.91

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