NWFL
Norwood Financial·NASDAQ
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2.31 / 10
Underperform
NWFL's fundamental metrics are mixed: strong profit growth (Total profit YoY 62.36%) and healthy gross margin (36.70%) contrast with concerning ratios like Net profit to parent company shareholders / Net profit at 100% and a negative Asset-MV (-0.50). These factors collectively lead to an underperform rating and a defensive valuation outlook.
Analysis Checks(6/10)
Net assets per share (growth rate compared to beginning of year %)
Value10.15
Score2/3
Weight8.40%
1M Return3.75%
Value10.15
Score2/3
Weight8.40%
1M Return3.75%
Net profit attributable to parent company shareholders / Net profit (%)
Value100.00
Score1/3
Weight6.67%
1M Return3.05%
Value100.00
Score1/3
Weight6.67%
1M Return3.05%
Profit-MV
Value1.42
Score1/3
Weight11.08%
1M Return4.44%
Value1.42
Score1/3
Weight11.08%
1M Return4.44%
PB-ROE
Value1.41
Score2/3
Weight12.65%
1M Return5.42%
Value1.41
Score2/3
Weight12.65%
1M Return5.42%
Asset-MV
Value-0.50
Score2/3
Weight17.82%
1M Return7.51%
Value-0.50
Score2/3
Weight17.82%
1M Return7.51%
Revenue-MV
Value0.16
Score1/3
Weight12.53%
1M Return4.65%
Value0.16
Score1/3
Weight12.53%
1M Return4.65%
Gross profit margin (%)
Value36.70
Score3/3
Weight7.62%
1M Return3.43%
Value36.70
Score3/3
Weight7.62%
1M Return3.43%
Total profit (YoY growth rate %)
Value62.36
Score2/3
Weight8.55%
1M Return3.74%
Value62.36
Score2/3
Weight8.55%
1M Return3.74%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight7.62%
1M Return3.43%
Value100.00
Score3/3
Weight7.62%
1M Return3.43%
Cash-MV
Value0.14
Score0/3
Weight7.05%
1M Return3.01%
Value0.14
Score0/3
Weight7.05%
1M Return3.01%
Net assets per share (growth rate compared to beginning of year %)
Value10.15
Score2/3
Weight8.40%
1M Return3.75%
Value10.15
Score2/3
Weight8.40%
1M Return3.75%
Revenue-MV
Value0.16
Score1/3
Weight12.53%
1M Return4.65%
Value0.16
Score1/3
Weight12.53%
1M Return4.65%
Net profit attributable to parent company shareholders / Net profit (%)
Value100.00
Score1/3
Weight6.67%
1M Return3.05%
Value100.00
Score1/3
Weight6.67%
1M Return3.05%
Gross profit margin (%)
Value36.70
Score3/3
Weight7.62%
1M Return3.43%
Value36.70
Score3/3
Weight7.62%
1M Return3.43%
Profit-MV
Value1.42
Score1/3
Weight11.08%
1M Return4.44%
Value1.42
Score1/3
Weight11.08%
1M Return4.44%
Total profit (YoY growth rate %)
Value62.36
Score2/3
Weight8.55%
1M Return3.74%
Value62.36
Score2/3
Weight8.55%
1M Return3.74%
PB-ROE
Value1.41
Score2/3
Weight12.65%
1M Return5.42%
Value1.41
Score2/3
Weight12.65%
1M Return5.42%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight7.62%
1M Return3.43%
Value100.00
Score3/3
Weight7.62%
1M Return3.43%
Asset-MV
Value-0.50
Score2/3
Weight17.82%
1M Return7.51%
Value-0.50
Score2/3
Weight17.82%
1M Return7.51%
Cash-MV
Value0.14
Score0/3
Weight7.05%
1M Return3.01%
Value0.14
Score0/3
Weight7.05%
1M Return3.01%
Is NWFL undervalued or overvalued?
- NWFL scores 2.31/10 on fundamentals and holds a Premium valuation at present. Backed by its 9.06% ROE, 12.08% net margin, 38.68 P/E ratio, 1.26 P/B ratio, and -59.38% earnings growth, these metrics solidify its Underperform investment rating.
