COMP <GO>
GBC vs NWFL // EV/EBITDA & P/E VALUATION
Georgia Banking Company Inc. (NASDAQ) VS. Norwood Financial Corp. (NASDAQ) • 15-METRIC TALLY: GBC 0
— NWFL 3
■ METRIC PARITY
LAST: $37.28 (-2.87%) • MKT CAP: $385.5M
valuation
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LAST: $36.15 (+1.80%) • MKT CAP: $394.1M
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (GBC VS. NWFL)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | GBC | NWFL | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | — | 11.50% | — | TIE | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | — | 7.53% | — | TIE | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | 68.00% | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | 8.10% | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 2.96% | -2.96 | NWFL | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | — | 6/9 | — | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 50.5 | 62.8 | -12.30 | NWFL | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | — | 13.0x | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $385.5M | $394.1M | -$8.6M | NWFL | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | GBC REV | NWFL REV | GBC GROSS % | NWFL GROSS % | GBC FCF | NWFL FCF |
|---|---|---|---|---|---|---|
| FY 2025 | — | $8.0M | — | — | — | $29.2M |
| FY 2024 | — | $7.4M | — | — | — | $19.7M |
| FY 2023 | — | $7.1M | — | — | — | $29.8M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
GBC // BETA —
NWFL // BETA —