Norwood Financial Corporation

Wayne Bank takes pride in still having the friendly personal touch that has been our hallmark when we began as a simple storefront operation in 1871. Today, our tellers still know most of our customers on a first name basis, and the bank is stronger and more secure than ever, having become one of the premiere financial institutions in Northeastern Pennsylvania.

Over the years, Wayne Bank has grown and serves thousands of customers with offices in Wayne, Lackawanna, Pike and Monroe Counties. Wayne County locations include branch offices in Lakewood and Waymart, as well as our Main branch and corporate headquarters in Honesdale, and a satellite office on Willow Avenue in Honesdale. Located virtually on the Wayne/Pike county border, the Hawley/Lake Wallenpaupack office serves residents of both Wayne and Pike Counties.

Type
Public
HQ
Honesdale, US
Founded
1871
Size (employees)
136 (est)
Norwood Financial Corporation was founded in 1871 and is headquartered in Honesdale, US

Norwood Financial Corporation Office Locations

Norwood Financial Corporation has an office in Honesdale
Honesdale, US (HQ)
717 Main St

Norwood Financial Corporation Data and Metrics

Norwood Financial Corporation Financial Metrics

Norwood Financial Corporation's revenue was reported to be $11.1 m in Q1, 2017
USD

Revenue (Q1, 2017)

11.1 m

Gross profit (Q1, 2017)

10.1 m

Gross profit margin (Q1, 2017), %

92%

Net income (Q1, 2017)

2.4 m

EBIT (Q1, 2017)

7.9 m

Market capitalization (15-Aug-2017)

180.1 m

Cash (31-Mar-2017)

19.8 m
Norwood Financial Corporation's current market capitalization is $180.1 m.
USDFY, 2013FY, 2014FY, 2015FY, 2016

Revenue

28.3 m27.8 m27.8 m37.4 m

Revenue growth, %

(2%)0%35%

Cost of goods sold

3.3 m3.7 m

Gross profit

24.5 m33.8 m

Gross profit Margin, %

88%90%

EBIT

19.9 m26.5 m

EBIT margin, %

72%71%

Pre tax profit

7.5 m8.6 m

Net Income

8.5 m7.7 m5.9 m6.7 m
USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017

Revenue

8 m7.9 m8.1 m8.5 m9.9 m11.1 m

Cost of goods sold

833 k819 k851 k840 k958 k937 k

Gross profit

7.2 m7.1 m7.2 m7.6 m9 m10.1 m

Gross profit Margin, %

90%90%89%90%90%92%

Sales and marketing expense

2.1 m2.2 m2.3 m2.2 m3.1 m3.2 m

R&D expense

271 k255 k423 k

Operating expense total

2.1 m2.2 m2.6 m2.5 m3.5 m3.2 m

EBIT

5.6 m5.3 m5.7 m5.7 m7.1 m7.9 m

EBIT margin, %

70%67%71%67%72%71%

Pre tax profit

2.6 m2.3 m2.4 m2.4 m840 k2.9 m

Income tax expense

631 k557 k567 k511 k228 k550 k

Net Income

4 m6.1 m2 m4 m5.8 m1.9 m3.8 m4.4 m2.4 m
USDFY, 2013FY, 2014FY, 2015FY, 2016

Cash

7.9 m12.4 m10 m17.2 m

Accounts Receivable

2.4 m2.3 m2.4 m3.6 m

PP&E

7.1 m6.7 m6.5 m13.5 m

Goodwill

9.7 m9.7 m9.7 m11.3 m

Total Assets

711.2 m711.6 m750.5 m1.1 b

Accounts Payable

1 m966 k957 k925.4 m

Total Debt

32.8 m

Total Liabilities

1 b

Retained Earnings

60.8 m64.1 m65.4 m67.2 m

Total Equity

91.9 m99 m101 m111.1 m

Debt to Equity Ratio

0.3 x

Debt to Assets Ratio

0 x

Financial Leverage

7.7 x7.2 x7.4 x10 x
USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017

Cash

15.4 m13.3 m19.6 m20.4 m11.7 m9 m12.6 m33.1 m19.8 m

Accounts Receivable

496.7 m495.2 m513 m532.9 m537.8 m558.1 m575.4 m700 m712.5 m

Goodwill

9.7 m9.7 m9.7 m9.7 m9.7 m9.7 m9.7 m11.7 m11.3 m

Total Assets

716.9 m718.2 m734.4 m751.5 m749.3 m760.1 m767.8 m1.1 b1.1 b

Accounts Payable

554.7 m548.3 m570.2 m575.6 m571.4 m560.5 m584.3 m922.2 m931.4 m

Retained Earnings

62.6 m63.6 m65 m65.8 m66.4 m66.1 m66.9 m66.2 m68.3 m

Total Equity

96.2 m97.4 m100.5 m99.9 m101.9 m102.7 m104.6 m115.7 m113 m

Financial Leverage

7.5 x7.4 x7.3 x7.5 x7.4 x7.4 x7.3 x9.7 x9.8 x
USDFY, 2013FY, 2014FY, 2015FY, 2016

Net Income

8.5 m7.7 m5.9 m6.7 m

Depreciation and Amortization

731 k693 k105 k122 k

Accounts Receivable

346 k

Accounts Payable

95 k

Cash From Operating Activities

12.7 m10.5 m10.5 m11.3 m

Cash From Investing Activities

(52.7 m)4.7 m(46.2 m)3.5 m

Long-term Borrowings

(29 m)

Dividends Paid

(4.2 m)(4.4 m)(4.5 m)(4.7 m)

Cash From Financing Activities

35.5 m(10.7 m)33.4 m(7.7 m)
USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017

Net Income

4 m6.1 m2 m4 m5.8 m1.9 m3.8 m4.4 m2.4 m

Depreciation and Amortization

358 k525 k167 k333 k494 k161 k312 k565 k278 k

Accounts Receivable

111 k

Accounts Payable

95 k(160 k)

Cash From Operating Activities

4.7 m7.8 m2.6 m5.1 m8.2 m2.6 m4.5 m7.9 m3.2 m

Cash From Investing Activities

4.4 m94 k(15 m)(33.7 m)(39.9 m)(8.9 m)(13 m)14.7 m2.2 m

Dividends Paid

(2.2 m)(3.3 m)(1.1 m)(2.2 m)(3.4 m)(1.1 m)(2.3 m)(3.4 m)(1.3 m)

Cash From Financing Activities

(1.5 m)(2.4 m)19.7 m36.7 m31 m5.2 m11.1 m457 k(2.7 m)
USDY, 2017

Revenue/Employee

81.4 k

Financial Leverage

9.8 x

Norwood Financial Corporation Market Value History

Traffic Overview of Norwood Financial Corporation

Norwood Financial Corporation Online and Social Media Presence

Norwood Financial Corporation Company Life and Culture

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