COMP <GO>
NWFL vs MS // OPERATING MARGIN
Norwood Financial Corp. (NASDAQ) VS. Morgan Stanley (NYSE) • 15-METRIC TALLY: NWFL 8
— MS 1
■ METRIC PARITY
LAST: $35.64 (-0.67%) • MKT CAP: $388.5M
operating-margins
—
LAST: $190.00 (-0.07%) • MKT CAP: $298.41B
operating-margins
24.60%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (NWFL VS. MS)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | NWFL | MS | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 11.50% | 3.00% | +8.50 | NWFL | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 31.0x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 7.53% | -7.25% | +14.78 | NWFL | /fcf-yield <GO> |
| Operating Margin ACTIVE | — | 24.60% | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 68.00% | 20.20% | +47.80 | NWFL | /net-margins <GO> |
| Revenue Growth (YoY) | 8.10% | 5.50% | +2.60 | NWFL | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.96% | 2.21% | +0.75 | NWFL | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 5/9 | +1.00 | NWFL | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 59.6 | 51.0 | +8.60 | NWFL | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 1.04 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 13.0x | 16.5x | -3.50 | NWFL | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $388.5M | $298.41B | -$298.02B | MS | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | NWFL REV | MS REV | NWFL GROSS % | MS GROSS % | NWFL FCF | MS FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $8.0M | $0 | — | — | $29.2M | -$17.89B |
| FY 2024 | $7.4M | $0 | — | — | $19.7M | $1.36B |
| FY 2023 | $7.1M | $0 | — | — | $29.8M | -$33.54B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
NWFL // BETA —
MS // BETA 1.04