Norwood Financial (NWFL) Competitors

Norwood Financial (NASDAQ:NWFL) and Jiayin Group (NASDAQ:JFIN) are both small-cap banking companies, but which is the superior stock? We will compare the two businesses based on the strength of their media sentiment, risk, earnings, profitability, institutional ownership, dividends, analyst recommendations and valuation.

Is NWFL or JFIN a better dividend stock?

Norwood Financial pays an annual dividend of $1.24 per share and has a dividend yield of 5.0%. Jiayin Group pays an annual dividend of $1.28 per share and has a dividend yield of 8.6%. 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. Jiayin Group pays out 37.2% of its earnings in the form of a dividend. Norwood Financial has increased its dividend for 7 consecutive years. Jiayin Group is clearly the better dividend stock, given its higher yield and lower payout ratio.

Do institutionals and insiders hold more shares of NWFL or JFIN?

28.1% of Norwood Financial shares are held by institutional investors. Comparatively, 44.1% of Jiayin Group shares are held by institutional investors. 9.1% of Norwood Financial shares are held by insiders. Comparatively, 51.2% of Jiayin Group shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Which has stronger valuation and earnings, NWFL or JFIN?

Jiayin Group has higher revenue and earnings than Norwood Financial. Jiayin Group 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	2.25	-$160K	$0.24	102.58
Jiayin Group	$794.74M	1.00	$144.74M	$3.44	4.32

Do analysts recommend NWFL or JFIN?

Norwood Financial currently has a consensus target price of $28.50, suggesting a potential upside of 15.76%. Given Norwood Financial's stronger consensus rating and higher probable upside, research analysts plainly believe Norwood Financial is more favorable than Jiayin Group.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Norwood Financial	0 Sell rating(s)	2 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.33
Jiayin Group	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

Does the media refer more to NWFL or JFIN?

In the previous week, Norwood Financial had 4 more articles in the media than Jiayin Group. MarketBeat recorded 6 mentions for Norwood Financial and 2 mentions for Jiayin Group. Norwood Financial's average media sentiment score of 0.94 beat Jiayin Group's score of 0.93 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	1 Very Positive mention(s)	1 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Jiayin Group	0 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Which has more risk & volatility, NWFL or JFIN?

Norwood Financial has a beta of 0.68, indicating that its share price is 32% less volatile than the S&P 500. Comparatively, Jiayin Group has a beta of 0.97, indicating that its share price is 3% less volatile than the S&P 500.

Is NWFL or JFIN more profitable?

Jiayin Group has a net margin of 21.66% compared to Norwood Financial's net margin of 2.92%. Jiayin Group's return on equity of 42.68% beat Norwood Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Norwood Financial	2.92%	9.02%	0.81%
Jiayin Group	21.66%	42.68%	23.41%

Summary

Jiayin Group beats Norwood Financial on 11 of the 19 factors compared between the two stocks.