Mvb Financial Corp. (MVBF) vs Norwood Financial Corp. (NWFL)

Mvb Financial Corp. and Norwood Financial Corp. are both Banks Regional companies. Mvb Financial Corp. and Norwood Financial Corp. are of similar size ($388.6M and $367.0M). Mvb Financial Corp. trades at the lower P/E: 9.9× against 11.6×. Norwood Financial Corp. grew revenue faster over the last twelve months: 42.3% against 17.1%. Norwood Financial Corp. has the higher net margin (18.7% vs 15.2%) and the lower return on invested capital (9.03% vs 37.5%). Both pay a dividend; Norwood Financial Corp. yields more (4.37% vs 3.16%). Across the 19 metrics below, Mvb Financial Corp. leads on 11 and Norwood Financial Corp. on 8.

Valuation

Metric MVBF NWFL Banks Regional median
P/E 9.88 11.65 12.15
P/S 1.52 2.37 2.37
P/B 1.13 1.26 1.21
Price to free cash flow n/m 12.22 10.80
EV/EBITDA n/m n/m —
EV/Sales 0.51 2.41 2.27
Earnings yield 10.13% 8.58% 8.11%
Free cash flow yield (9.48%) 8.18% 8.98%

Profitability

Metric MVBF NWFL Banks Regional median
Gross margin 73.61% 66.77% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 15.19% 18.68% 18.66%
Free cash flow margin (14.38%) 19.41% 21.18%
Return on equity 12.00% 11.20% 10.64%
Return on assets 1.15% 1.09% 1.13%
Return on invested capital 37.46% 9.03% 8.33%

Growth

Metric MVBF NWFL Banks Regional median
Revenue growth (TTM) 17.05% 42.25% 6.61%
EPS growth (last fiscal year) 34.64% 15,150.00% —
Revenue growth, 5-year CAGR 6.46% 15.50% 12.30%
Net income growth, 5-year CAGR (6.12%) 12.98% 9.71%

Health

Metric MVBF NWFL Banks Regional median
Debt to equity 0.16 0.23 0.22
Current ratio 0.92 0.91 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric MVBF NWFL Banks Regional median
Dividend yield 3.16% 4.37% 3.75%
Payout ratio 0.41 0.34 0.27

Size

Metric MVBF NWFL Banks Regional median
Market cap 388.63m 366.96m 921.07m

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