Investar Holding Corporation (ISTR) vs Norwood Financial Corp. (NWFL)

Investar Holding Corporation and Norwood Financial Corp. are both Banks Regional companies. Investar Holding Corporation and Norwood Financial Corp. are of similar size ($387.1M and $380.1M). Investar Holding Corporation trades at the lower P/E: 10.6× against 12.2×. Norwood Financial Corp. grew revenue faster over the last twelve months: 42.3% against 23.2%. Norwood Financial Corp. has the higher net margin (18.7% vs 16.5%) and the higher return on invested capital (9.03% vs 5.78%). Both pay a dividend; Norwood Financial Corp. yields more (3.60% vs 1.67%). Across the 19 metrics below, Norwood Financial Corp. leads on 14 and Investar Holding Corporation on 5.

Valuation

Metric ISTR NWFL Banks Regional median
P/E 10.61 12.24 12.28
P/S 1.99 2.49 2.37
P/B 0.98 1.33 1.21
Price to free cash flow 15.06 12.84 11.06
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.42% 8.17% 8.02%
Free cash flow yield 6.64% 7.79% 8.80%

Profitability

Metric ISTR NWFL Banks Regional median
Gross margin 62.55% 66.77% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 16.45% 18.68% 18.68%
Free cash flow margin 13.24% 19.41% 21.11%
Return on equity 9.76% 11.20% 10.64%
Return on assets 0.95% 1.09% 1.13%
Return on invested capital 5.78% 9.03% 8.33%

Growth

Metric ISTR NWFL Banks Regional median
Revenue growth (TTM) 23.18% 42.25% 6.80%
EPS growth (last fiscal year) 4.41% 15,150.00% 18.82%
Revenue growth, 5-year CAGR 7.71% 15.50% 12.56%
Net income growth, 5-year CAGR 9.60% 12.98% 9.83%

Health

Metric ISTR NWFL Banks Regional median
Debt to equity 0.36 0.23 0.21
Current ratio 0.95 0.91 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric ISTR NWFL Banks Regional median
Dividend yield 1.67% 3.60% 2.69%
Payout ratio 0.19 0.44 0.32

Size

Metric ISTR NWFL Banks Regional median
Market cap 380.11m 387.13m 921.62m

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