Reviewing Norwood Financial Corp. (NWFL)’s and 1st Constitution Bancorp (NASDAQ:FCCY)’s results

This is therefore a comparing of the dividends, analyst recommendations, institutional ownership, profitability, risk, earnings and valuation in Norwood Financial Corp. (NASDAQ:NWFL) and 1st Constitution Bancorp (NASDAQ:FCCY). The two are both Regional – Northeast Banks companies that compete with one another.

Earnings and Valuation

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Norwood Financial Corp. 33 0.00 5.88M 2.18 15.87
1st Constitution Bancorp 19 1.53 7.11M 1.62 11.25

Table 1 highlights Norwood Financial Corp. and 1st Constitution Bancorp’s gross revenue, earnings per share and valuation. 1st Constitution Bancorp appears to has lower revenue and earnings than Norwood Financial Corp. When company has higher price-to-earnings means it is more expensive than its counterpart currently. Norwood Financial Corp.’s currently higher price-to-earnings ratio means it is more expensive than 1st Constitution Bancorp.

Profitability

Table 2 shows us the return on assets, net margins and return on equity of both companies.

Net Margins Return on Equity Return on Assets
Norwood Financial Corp. 17,604,790.42% 11.3% 1.2%
1st Constitution Bancorp 36,555,269.92% 9.6% 1%

Volatility & Risk

Norwood Financial Corp. has a 0.31 beta, while its volatility is 69.00% which is less volatile than Standard & Poor’s 500. Competitively, 1st Constitution Bancorp is 80.00% less volatile than Standard & Poor’s 500, because of the 0.2 beta.

Institutional & Insider Ownership

Roughly 18.3% of Norwood Financial Corp. shares are held by institutional investors while 34.9% of 1st Constitution Bancorp are owned by institutional investors. About 1.1% of Norwood Financial Corp.’s share are held by insiders. Insiders Competitively, held 5.9% of 1st Constitution Bancorp shares.

Performance

Here are the Weekly, Monthly, Quarterly, Half Yearly, Yearly and YTD Performance of both pretenders.

Performance (W) Performance (M) Performance (Q) Performance (HY) Performance (Y) Performance (YTD)
Norwood Financial Corp. -0.09% -0.09% 6.82% 18.16% -6.43% 4.91%
1st Constitution Bancorp 0.77% 1.45% -3.04% -7.38% -14.71% -8.63%

For the past year Norwood Financial Corp. had bullish trend while 1st Constitution Bancorp had bearish trend.

Summary

On 9 of the 12 factors Norwood Financial Corp. beats 1st Constitution Bancorp.

Norwood Financial Corp. operates as the bank holding company for Wayne Bank that provides various banking products and services. It accepts a range of deposit products, such as interest-bearing and noninterest-bearing transaction accounts, statement savings and money market accounts, and certificate of deposits. The company also offers various loans, which include commercial loans comprising lines of credit, revolving credit, term loans, mortgages, secured lending products, and letter of credit facilities; construction loans for commercial construction projects and single-family residences; land loans; consumer loans; mortgage lending to finance principal residences and second home dwellings; and indirect dealer financing of new and used automobiles, boats, and recreational vehicles. In addition, it provides investment securities services; and cash management, direct deposit, remote deposit capture, automated clearing house, trust, investment products, title and real estate settlement, and Internet and mobile banking services. Further, the company is involved in annuity and mutual fund sales; and discount brokerage activities, as well as operates as an insurance agency. It serves consumers, businesses, nonprofit organizations, and municipalities. As of March 30, 2017, it operated 14 offices in Northeastern Pennsylvania; and 12 offices in Delaware and Sullivan Counties, New York. The company also operates 28 automated teller machines. The company was founded in 1870 and is based in Honesdale, Pennsylvania.

1st Constitution Bancorp operates as the bank holding company for 1st Constitution Bank that provides commercial and retail banking services in the central and northeastern New Jersey areas. The company offers deposit products, including interest bearing demand deposits, such as interest-bearing checking accounts, money market accounts, and NOW accounts; and non-interest bearing demand, savings, and time deposits, as well as certificates of deposit. It also provides commercial loans, including term loans, lines of credit, and loans secured by equipment and receivables; secured and unsecured short-to-medium term commercial loans to businesses for working capital, business expansion, and the purchase of equipment and machinery; and construction loans to real estate developers for the acquisition, development, and construction of residential and commercial properties. In addition, the company offers residential first mortgage loans secured by owner-occupied property; construction loans; reverse mortgages; second mortgage home improvement loans; home equity lines of credit; and non-residential consumer loans for automobiles, recreation vehicles, and boats, as well as secured and unsecured personal loans, and deposit account secured loans. It serves corporations, individuals, partnerships, and other community organizations, as well as small businesses and not-for-profit organizations. As of December 31, 2017, the company operated through 17 branch offices, as well as 2 residential mortgage loan production offices in New Jersey. 1st Constitution Bancorp was founded in 1989 and is based in Cranbury, New Jersey.