Lumida
/NWFL
⌘K
Norwood Financial Corp

Norwood Financial Corp

NWFL
$34.52USD+0.29%+0.10 today

MARKET CAP

376.3M

P/E (TTM)

11.6x

FWD P/E

DAY RANGE

$34 – $35

52W RANGE

$24
$35

AI Summary

Stalk
StalkMedium

NWFL remains in a Stage 2 advance with higher highs and higher lows, upheld by rising EMAs and a bullish continuation pattern. Both long-term and medium-term biases are bullish, but near-term overbought conditions call for patience. Optimal execution is on a pullback into rising EMAs near support, in line with a momentum-oriented approach.

  • Net income grew 41% YoY to $26.8M; EPS rose 25% to $0.86.
  • NIM expanded 47 bps YoY to 3.9%, boosting net interest income.
  • Customer bankruptcy led to a $700k net charge-off, raising credit risk.
Full analysis →
STATEMENT·Income statement
USD · GAAP
METRICFY 2021FY 2022FY 2023FY 2024FY 2025TREND
Sales, Adj.$79.4M$85.6M$103.7M$101.4M$136.1M
YoY %+19.9%+7.8%+21.1%-2.2%+34.2%
P / Sales2.7x3.2x2.5x2.2x1.9x
EV / Sales25.9x24.8x21.7x22.6x17.7x
Gross Profit, Adj.$73.7M$78.3M$70.2M$51.0M$87.9M
YoY %+26.5%+6.3%-10.4%-27.3%+72.3%
Margin %92.8%91.5%67.7%50.3%64.6%
EV / Gross Profit27.9x27.1x32.0x45.0x27.4x
EBITDA, Adj.$30.9M$36.4M$21.1M$-258,000$36.3M
YoY %+51.2%+17.9%-41.9%-101.2%+14153.1%
Margin %38.9%42.5%20.4%-0.3%26.6%
EV / EBITDA66.6x58.3x106.3x-8901.4x66.5x
EBIT$30.9M$36.4M$21.1M$-258,000$35.0M
YoY %+68.0%+17.9%-41.9%-101.2%+13673.3%
Margin %38.9%42.5%20.4%-0.3%25.7%
EV / EBIT66.6x58.3x106.3x-8901.4x68.8x
Net Income$24.9M$29.2M$16.8M$-160,000$27.8M
YoY %+65.2%+17.3%-42.7%-101.0%+17446.9%
Net Margin31.4%34.2%16.2%-0.2%20.4%
EPS (GAAP)$3.04$3.58$2.07-$0.02$3.01
YoY %+45.5%+17.8%-42.2%-101.0%+15150.0%