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Northway Financial, Inc. NWYF

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Price alert · NWYF

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35.50 +35.50 —

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Mkt cap
97.68M
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EPS
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P/E
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Financial health

Altman Z-Score

0.08 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

4 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

Valuation

P/E 8.7×
FY 2014: 7.4×FY 2015: 9.5×FY 2016: 18.4×FY 2017: 12.0×FY 2018: 26.4×FY 2019: 10.0×FY 2020: 14.7×FY 2021: 9.7×FY 2022: 21.2×FY 2023: 8.7×
FY 2014 5y median 10.0× FY 2023
P/S 1.3×
FY 2014: 1.5×FY 2015: 1.7×FY 2016: 2.2×FY 2017: 2.5×FY 2018: 2.5×FY 2019: 2.3×FY 2020: 2.0×FY 2021: 2.2×FY 2022: 1.5×FY 2023: 1.3×
FY 2014 5y median 2.0× FY 2023
P/B 0.7×
FY 2014: 0.6×FY 2015: 0.8×FY 2016: 1.0×FY 2017: 1.1×FY 2018: 1.0×FY 2019: 1.0×FY 2020: 0.8×FY 2021: 0.9×FY 2022: 0.9×FY 2023: 0.7×
FY 2014 5y median 0.9× FY 2023
P/FCF -446×
FY 2014: 5.6×FY 2015: 8.5×FY 2016: 11.4×FY 2017: 13.1×FY 2018: 10.0×FY 2019: 22.4×FY 2020: 13.0×FY 2021: 9.7×FY 2022: 4.1×FY 2023: -446×
FY 2014 5y median 9.7× FY 2023
EV/EBITDA 18.0×
FY 2014: 4.7×FY 2015: 1.9×FY 2016: 8.2×FY 2017: 7.6×FY 2018: 0.0×FY 2019: 2.9×FY 2020: -9.2×FY 2021: 1.4×FY 2022: 15.2×FY 2023: 18.0×
FY 2014 5y median 2.9× FY 2023
EV/Sales 3.5×
FY 2014: 1.4×FY 2015: 0.7×FY 2016: 1.5×FY 2017: 2.4×FY 2018: 5.5×FY 2019: 0.9×FY 2020: -1.7×FY 2021: 0.4×FY 2022: 1.5×FY 2023: 3.5×
FY 2014 5y median 0.9× FY 2023
FCF Yield -0.2%
FY 2014: 17.8%FY 2015: 11.8%FY 2016: 8.8%FY 2017: 7.6%FY 2018: 10.0%FY 2019: 4.5%FY 2020: 7.7%FY 2021: 10.3%FY 2022: 24.3%FY 2023: -0.2%
FY 2014 5y median 7.7% FY 2023

Profitability

Gross Margin 145.4%
FY 2014: 100.0%FY 2015: 100.0%FY 2016: 100.0%FY 2017: 100.0%FY 2018: 100.0%FY 2019: 100.0%FY 2020: 100.0%FY 2021: 100.0%FY 2022: 100.0%FY 2023: 145.4%
FY 2014 5y median 100.0% FY 2023
Operating Margin 40.4%
FY 2014: 26.7%FY 2015: 43.0%FY 2016: 28.5%FY 2017: 36.2%FY 2018: 24.6%FY 2019: 28.2%FY 2020: 34.1%FY 2021: 27.4%FY 2022: 30.7%FY 2023: 40.4%
FY 2014 5y median 30.7% FY 2023
Net Margin 15.4%
FY 2014: 19.7%FY 2015: 18.1%FY 2016: 12.0%FY 2017: 20.6%FY 2018: 9.4%FY 2019: 23.4%FY 2020: 13.7%FY 2021: 22.4%FY 2022: 7.3%FY 2023: 15.4%
FY 2014 5y median 15.4% FY 2023
ROE 7.9%
FY 2014: 8.3%FY 2015: 8.8%FY 2016: 5.4%FY 2017: 9.0%FY 2018: 3.7%FY 2019: 10.2%FY 2020: 5.5%FY 2021: 9.2%FY 2022: 4.2%FY 2023: 7.9%
FY 2014 5y median 7.9% FY 2023
ROIC 4.4%
FY 2014: 0.9%FY 2015: 1.1%FY 2016: 0.9%FY 2017: 1.1%FY 2018: 0.8%FY 2019: 4.1%FY 2020: 4.5%FY 2021: -5.3%FY 2022: -2.8%FY 2023: 4.4%
FY 2014 5y median 4.1% FY 2023
ROA 0.4%
FY 2014: 0.8%FY 2015: 0.7%FY 2016: 0.5%FY 2017: 0.8%FY 2018: 0.3%FY 2019: 1.0%FY 2020: 0.5%FY 2021: 0.7%FY 2022: 0.2%FY 2023: 0.4%
FY 2014 5y median 0.5% FY 2023

Growth (YoY)

Revenue 2.6%
FY 2014: -2.0%FY 2015: -11.0%FY 2016: -2.4%FY 2017: 5.4%FY 2018: -11.4%FY 2019: 26.6%FY 2020: -3.6%FY 2021: 8.5%FY 2022: -11.8%FY 2023: 2.6%
FY 2014 FY 2023
Operating Income 35.1%
FY 2014: 5.8%FY 2015: 43.6%FY 2016: -35.2%FY 2017: 33.5%FY 2018: -39.6%FY 2019: 45.1%FY 2020: 16.4%FY 2021: -12.8%FY 2022: -1.1%FY 2023: 35.1%
FY 2014 FY 2023
EPS (diluted) 116.5%
FY 2014: 7.4%FY 2015: -18.1%FY 2016: -35.4%FY 2017: 80.8%FY 2018: -59.5%FY 2019: 215.0%FY 2020: -43.3%FY 2021: 77.0%FY 2022: -71.3%FY 2023: 116.5%
FY 2014 FY 2023
Free Cash Flow -100.8%
FY 2014: -11.2%FY 2015: -30.6%FY 2016: -7.1%FY 2017: 2.9%FY 2018: 17.0%FY 2019: -47.0%FY 2020: 43.3%FY 2021: 56.6%FY 2022: 48.5%FY 2023: -100.8%
FY 2014 FY 2023

Financial Health

Current Ratio 0.1×
FY 2014: 19.5×FY 2015: 14.9×FY 2016: 12.0×FY 2017: 11.3×FY 2018: 7.1×FY 2019: 1.1×FY 2020: 1.1×FY 2021: 0.4×FY 2022: 0.3×FY 2023: 0.1×
FY 2014 5y median 0.4× FY 2023
Quick Ratio 0.1×
FY 2014: 19.5×FY 2015: 14.9×FY 2016: 12.0×FY 2017: 11.3×FY 2018: 7.1×FY 2019: 1.1×FY 2020: 1.1×FY 2021: 0.4×FY 2022: 0.3×FY 2023: 0.1×
FY 2014 5y median 0.4× FY 2023
Debt / Equity 2.0×
FY 2014: 0.7×FY 2015: 0.8×FY 2016: 0.3×FY 2017: 0.3×FY 2018: 1.4×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.3×FY 2023: 2.0×
FY 2014 5y median 0.2× FY 2023
Net Debt / EBITDA 11.1×
FY 2014: -0.1×FY 2015: -3.0×FY 2016: -3.6×FY 2017: -0.3×FY 2018: 0.0×FY 2019: -4.6×FY 2020: -19.9×FY 2021: -5.9×FY 2022: -0.0×FY 2023: 11.1×
FY 2014 5y median -4.6× FY 2023
Interest Coverage 1.9×
FY 2014: 1.8×FY 2015: 2.5×FY 2016: 2.1×FY 2017: 4.2×FY 2018: 1.5×FY 2019: 2.1×FY 2020: 3.5×FY 2021: 5.2×FY 2022: 2.6×FY 2023: 1.9×
FY 2014 5y median 2.6× FY 2023

Dividends

Dividend Yield 3.8%
FY 2014: 3.5%FY 2015: 3.5%FY 2016: 2.4%FY 2017: 2.0%FY 2018: 2.5%FY 2019: 2.1%FY 2020: 2.5%FY 2021: 2.1%FY 2022: 3.4%FY 2023: 3.8%
FY 2014 5y median 2.5% FY 2023
Payout Ratio 33.4%
FY 2014: 26.3%FY 2015: 33.1%FY 2016: 43.9%FY 2017: 24.2%FY 2018: 65.6%FY 2019: 20.7%FY 2020: 36.7%FY 2021: 20.7%FY 2022: 72.0%FY 2023: 33.4%
FY 2014 5y median 33.4% FY 2023

Annual · latest fiscal year ends 2023-12-31