Norwood Financial (NWFL) Competitors

Norwood Financial (NASDAQ:NWFL) and Old Second Bancorp (NASDAQ:OSBC) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their institutional ownership, earnings, risk, profitability, analyst recommendations, dividends, media sentiment and valuation.

Is NWFL or OSBC a better dividend stock?

Norwood Financial pays an annual dividend of $1.24 per share and has a dividend yield of 5.0%. Old Second Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 1.4%. Norwood Financial pays out 516.7% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Old Second Bancorp pays out 13.1% of its earnings in the form of a dividend. Norwood Financial has raised its dividend for 7 consecutive years and Old Second Bancorp has raised its dividend for 1 consecutive years. Norwood Financial is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Which has better valuation and earnings, NWFL or OSBC?

Old Second Bancorp has higher revenue and earnings than Norwood Financial. Old Second Bancorp is trading at a lower price-to-earnings ratio than Norwood Financial, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Norwood Financial	$101.43M	2.26	-$160K	$0.24	103.29
Old Second Bancorp	$341.72M	2.73	$85.26M	$1.83	9.70

Do analysts rate NWFL or OSBC?

Norwood Financial currently has a consensus target price of $28.50, indicating a potential upside of 14.97%. Old Second Bancorp has a consensus target price of $21.38, indicating a potential upside of 20.42%. Given Old Second Bancorp's stronger consensus rating and higher probable upside, analysts clearly believe Old Second Bancorp is more favorable than Norwood Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Norwood Financial	1 Sell rating(s)	3 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.00
Old Second Bancorp	0 Sell rating(s)	1 Hold rating(s)	4 Buy rating(s)	1 Strong Buy rating(s)	3.00

Is NWFL or OSBC more profitable?

Old Second Bancorp has a net margin of 24.38% compared to Norwood Financial's net margin of 2.92%. Old Second Bancorp's return on equity of 12.53% beat Norwood Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Norwood Financial	2.92%	8.86%	0.81%
Old Second Bancorp	24.38%	12.53%	1.51%

Does the media favor NWFL or OSBC?

In the previous week, Old Second Bancorp had 2 more articles in the media than Norwood Financial. MarketBeat recorded 5 mentions for Old Second Bancorp and 3 mentions for Norwood Financial. Norwood Financial's average media sentiment score of 0.63 beat Old Second Bancorp's score of 0.28 indicating that Norwood Financial is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Norwood Financial	0 Very Positive mention(s)	1 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Old Second Bancorp	1 Very Positive mention(s)	1 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral

Which has more risk & volatility, NWFL or OSBC?

Norwood Financial has a beta of 0.69, indicating that its share price is 31% less volatile than the S&P 500. Comparatively, Old Second Bancorp has a beta of 0.8, indicating that its share price is 20% less volatile than the S&P 500.

Do institutionals & insiders have more ownership in NWFL or OSBC?

28.1% of Norwood Financial shares are owned by institutional investors. Comparatively, 67.8% of Old Second Bancorp shares are owned by institutional investors. 8.2% of Norwood Financial shares are owned by insiders. Comparatively, 3.8% of Old Second Bancorp shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Summary

Old Second Bancorp beats Norwood Financial on 15 of the 20 factors compared between the two stocks.