Metropolitan Bank vs Norwood Financial
MCB and NWFL side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How MCB and NWFL compare
Metropolitan Bank is the larger company, worth 3.0 times as much as Norwood Financial ($1.2B against $394M).
On earnings, Metropolitan Bank is cheaper: it trades at 9.8× trailing earnings, against 11.7× for Norwood Financial.
Norwood Financial grew revenue faster over the last twelve months (14.6% versus −18.5% for Metropolitan Bank).
Metropolitan Bank keeps more of each dollar of sales as profit, with a net margin of 1041% compared with 360% at Norwood Financial.
Both pay dividends: Metropolitan Bank yields 0.83% and Norwood Financial 3.5%.
Norwood Financial scores higher on the StockData Score (18 against 16 for Metropolitan Bank), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | MCB | NWFL |
|---|---|---|
| Size and price | ||
| Market cap | $1.2B | $394M |
| Share price | $96.51 | $36.17 |
| Change, 1 year | 41.5% | 35.2% |
| Change, 5 years | −2.9% | 32.8% |
| Beta (5Y) | 0.98 | 0.40 |
| Employees | 326 | – |
| StockData Score | ||
| Total score | 16 | 18 (better) |
| Valuation score | 4 (better) | 1 |
| Growth score | 1 | 2 (better) |
| Performance score | 5 | 5 |
| Health score | 4 | 6 (better) |
| Dividend score | 2 | 4 (better) |
| Valuation | ||
| P/E | 9.8× (better) | 11.7× |
| P/S | 111× | 44.0× (better) |
| P/B | 1.2× (better) | 1.4× |
| P/FCF | – | 9.9× |
| PEG | 1.27 | – |
| FCF yield | – | 10.1% |
| Fair value | $101.86 | $33.18 |
| Margin of safety | 5.3% (better) | −9.0% |
| Growth | ||
| Revenue growth (TTM) | −18.5% | 14.6% (better) |
| Revenue growth, 5Y average | −4.2% | 5.2% (better) |
| Net income growth (TTM) | 75.9% | 321% (better) |
| EPS growth (TTM) | 70.3% | 374% (better) |
| EPS growth, 5Y average | 7.3% | 7.6% (better) |
| Profitability | ||
| Net margin | 1041% (better) | 360% |
| FCF margin | – | 444% |
| Return on equity | 13.1% (better) | 12.5% |
| Financial health | ||
| Debt / equity | – | 0.20 |
| Altman Z-score | 0.16 | 0.17 (better) |
| Piotroski F-score | 5 | 6 (better) |
| Dividends and buybacks | ||
| Dividend yield | 0.83% | 3.5% (better) |
| Payout ratio | 10.1% | 41.4% |
| Years of dividend growth | 0 | 2 (better) |
| Dividend growth, 5Y average | – | 4.4% |
| Buyback yield | 3.3% | – |
| Shareholder yield | 4.2% (better) | 3.5% |
| Ownership | ||
| Held by institutions | 90.9% | 40.6% |
| Held by insiders | 10.0% | 8.9% |
| Insider net buying, 12 months | −$4.4M | $376K (better) |
| Short interest, % of float | 5.8% | 1.3% |
Go deeper
- MCB stock overview
- MCB income statement
- MCB valuation and score
- NWFL stock overview
- NWFL income statement
- NWFL valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.