Norwood Financial Corp. cash flow to debt ratio of 45.82% indicates that the company generates enough cash to cover its debts. This level indicates strong financial health.

Norwood Financial Corp.'s free cash flow has increased 48.61% from $19.68M last year to $29.25M, signaling increasing performance

Norwood Financial Corp.'s debt to equity ratio is 0.23, which means that the company's assets are healthy financed, signaling financial stability.

Norwood Financial Corp.'s debt has decreased relative to shareholder equity from 0.91 last year to 0.23 today, signaling strengthened financials

Norwood Financial Corp. has a net cash position, so leverage is healthy.

Norwood Financial Corp. earns at least as much interest as it pays. Interest obligations are fully covered.

Norwood Financial Corp.'s profit margin has increased (-12.76K%) in the last year from -0.16% to 19.97%, signaling increasing performance

Norwood Financial Corp.'s short-term liabilities of $2.14B exceed its short-term assets of $333.70M, signaling financial risk

Norwood Financial Corp.'s return on assets of 0.99% is lower than the 5.00% threshold, indicating inefficient asset utilization

Norwood Financial Corp.'s return on equity of 10.98%, is lower than 15.00%, indicating bad performance

Norwood Financial Corp.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Norwood Financial Corp. had positive net income in 4 out of 5 years, indicating stable and consistent earnings

Norwood Financial Corp. has positive free cash flow, indicating the company generates cash after capital expenditures

Norwood Financial Corp. has a free cash flow yield of 7.99%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Norwood Financial Corp.'s yearly earnings has increased -17.45K% since last year from $-160.00K to $27.75M, signaling increasing performance

Norwood Financial Corp.'s yearly revenue has increased 34.22% since last year from $101.43M to $136.14M, signaling increasing performance

ROIC 7.59% (Source: FMP key-metrics). In the 5–10% partial-credit band. Score: 1 of 2. This band sits within the typical US weighted-average cost of capital range. Methodology choice can change the conclusion: under FMP's invested-capital definition the company is at or near its cost of capital; under narrower operating-capital definitions the same company may score higher. Invested capital here includes equity, non-current liabilities, and short-term debt. Cash is not subtracted. See methodology.

Norwood Financial Corp.'s 3-year revenue CAGR of 16.73% is positive, indicating growing revenue over the past 3 years

Norwood Financial Corp. had revenue growth in 4 out of 5 years, indicating consistent revenue performance

Norwood Financial Corp. had positive ROE in 4 out of 5 years, indicating consistent and reliable returns on equity

Norwood Financial Corp. is undervalued relative to its fair value price of 51.07 based on Discounted Cash Flow model

Norwood Financial Corp. has an earnings yield of 9.36%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Norwood Financial Corp. is overvalued relative to its fair value price of 23.18 based on EBITDA multiple model

Norwood Financial Corp. has an EV/EBITDA ratio of 3.17x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Norwood Financial Corp. is undervalued relative to its fair value price of 75.84 based on Earnings Fair Value model

Norwood Financial Corp. has a PEG-ratio over 1 which is considered overvalued

Norwood Financial Corp. has a price-to-book ratio of 1.06x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Norwood Financial Corp. has a price-to-sales ratio of 2.13x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue