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FIRST CAROL FIN (FCBM) vs Norwood Financial Corp. (NWFL)

FIRST CAROL FIN and Norwood Financial Corp. are both Banks Regional companies. FIRST CAROL FIN and Norwood Financial Corp. are of similar size ($400.2M and $387.1M). Across the 5 metrics below, FIRST CAROL FIN leads on 3 and Norwood Financial Corp. on 2.

Valuation

Metric FCBM NWFL Banks Regional median
P/E — 12.47 12.46
P/S n/m 2.54 2.41
P/B 0.75 1.35 1.26
Price to free cash flow n/m 13.08 11.00
EV/EBITDA n/m — —
EV/Sales n/m — —
Earnings yield — 8.02% 7.96%
Free cash flow yield 0.00% 7.65% 8.80%

Profitability

Metric FCBM NWFL Banks Regional median
Gross margin — 66.77% 69.75%
Operating margin — 0.00% 0.00%
Net margin — 18.68% 18.88%
Free cash flow margin — 19.41% 17.28%
Return on equity — 11.20% 10.43%
Return on assets — 1.09% 1.14%
Return on invested capital 0.00% 9.03% 8.47%

Growth

Metric FCBM NWFL Banks Regional median
Revenue growth (TTM) — 42.25% 6.94%
EPS growth (last fiscal year) — 15,150.00% 18.88%
Revenue growth, 5-year CAGR — 15.50% 12.56%
Net income growth, 5-year CAGR — 12.98% 9.78%

Health

Metric FCBM NWFL Banks Regional median
Debt to equity 0.15 0.23 0.20
Current ratio 0.98 0.91 0.94
Net debt to EBITDA — 0.00 0.00

Dividend

Metric FCBM NWFL Banks Regional median
Dividend yield — 3.54% 2.64%
Payout ratio — 0.44 0.32

Size

Metric FCBM NWFL Banks Regional median
Market cap 400.17m 387.13m 910.32m

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