COMP <GO>
ISTR vs NWFL // EV/EBITDA & P/E VALUATION
Investar Holding Corporation (NASDAQ) VS. Norwood Financial Corp. (NASDAQ) • 15-METRIC TALLY: ISTR 0
— NWFL 7
■ METRIC PARITY
LAST: $27.83 (+0.62%) • MKT CAP: $383.4M
valuation
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LAST: $35.64 (-0.67%) • MKT CAP: $388.5M
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (ISTR VS. NWFL)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | ISTR | NWFL | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 7.60% | 11.50% | -3.90 | NWFL | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 4.75% | 7.53% | -2.78 | NWFL | /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 | 1.10% | 2.96% | -1.86 | NWFL | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 6/9 | -2.00 | NWFL | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 32.9 | 58.7 | -25.81 | NWFL | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 15.5x | 13.0x | +2.50 | NWFL | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $383.4M | $388.5M | -$5.1M | NWFL | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | ISTR REV | NWFL REV | ISTR GROSS % | NWFL GROSS % | ISTR FCF | NWFL FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $8.0M | — | — | $18.2M | $29.2M |
| FY 2024 | $0 | $7.4M | — | — | $15.9M | $19.7M |
| FY 2023 | $0 | $7.1M | — | — | $26.2M | $29.8M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
ISTR // BETA —
NWFL // BETA —