Norwood Financial [NWFL] vs Middlefield Banc [MBCN] Detailed Stock Comparison
Norwood Financial
NASDAQ
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Middlefield Banc
NASDAQ
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TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: Norwood Financial wins in 6 metrics, Middlefield Banc wins in 12 metrics, with 0 ties. Middlefield Banc appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Norwood Financial | Middlefield Banc | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 121.48 | 12.72 | Middlefield Banc |
| Price-to-Book Ratio | 1.04 | 1.07 | Norwood Financial |
| Debt-to-Equity Ratio | 0.50 | 0.47 | Middlefield Banc |
| PEG Ratio | 4.21 | 0.28 | Middlefield Banc |
| Profit Margin (TTM) | 5.88% | 25.78% | Middlefield Banc |
| Operating Margin (TTM) | 40.95% | 39.27% | Norwood Financial |
| EBITDA Margin (TTM) | 40.95% | 39.27% | Norwood Financial |
| Return on Equity | 1.56% | 8.60% | Middlefield Banc |
| Return on Assets (TTM) | 0.14% | 0.97% | Middlefield Banc |
| Free Cash Flow (TTM) | $19.68M | $16.69M | Norwood Financial |
| Dividend Yield | 5.81% | 3.49% | Norwood Financial |
| 1-Year Return | -12.58% | -2.55% | Middlefield Banc |
| Price-to-Sales Ratio (TTM) | 4.38 | 3.38 | Middlefield Banc |
| Enterprise Value | $294.84M | $258.99M | Norwood Financial |
| EV/Revenue Ratio | 5.46 | 3.67 | Middlefield Banc |
| Revenue per Share (TTM) | $6 | $9 | Middlefield Banc |
| Earnings per Share (Diluted) | $0.21 | $2.25 | Middlefield Banc |
| Beta (Stock Volatility) | 0.70 | 0.45 | Middlefield Banc |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
Norwood Financial vs Middlefield Banc Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Norwood Financial | -1.29% | 0.00% | -5.56% | -0.98% | 14.89% | -5.24% |
| Middlefield Banc | -2.45% | -3.91% | -5.52% | -8.69% | 5.49% | 1.47% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Norwood Financial | -12.58% | -9.01% | -1.72% | 30.16% | 3.67% | -6.85% |
| Middlefield Banc | -2.55% | -2.08% | 40.27% | 84.04% | 66.18% | -19.26% |
News Based Sentiment: Norwood Financial vs Middlefield Banc
Norwood Financial
News based Sentiment: POSITIVE
Norwood Financial demonstrated strong financial performance in Q2 2025, receiving analyst upgrades and showing positive trends in key metrics. The progressing acquisition of PB Bankshares further strengthens their growth prospects, creating a positive overall investment narrative.
Middlefield Banc
News based Sentiment: POSITIVE
The month saw positive developments in executive leadership, institutional investment, and a stable stock outlook, offset by a brief dip below the 50-day moving average. The upcoming earnings release is a key event, but overall the narrative is cautiously optimistic.
Performance & Financial Health Analysis: Norwood Financial vs Middlefield Banc
| Metric | NWFL | MBCN |
|---|---|---|
| Market Information | ||
| Market Cap | $236.08M | $240.98M |
| Market Cap Category | Micro cap | Micro cap |
| 10 Day Avg. Volume | 26,073 | 6,080 |
| 90 Day Avg. Volume | 24,148 | 7,030 |
| Last Close | $25.16 | $28.25 |
| 52 Week Range | $21.25 - $34.50 | $22.74 - $34.00 |
| % from 52W High | -27.07% | -16.91% |
| All-Time High | $40.58 (Sep 24, 2018) | $40.24 (Nov 27, 2006) |
| % from All-Time High | -38.00% | -29.80% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.21% | 0.21% |
| Quarterly Earnings Growth | 0.47% | 0.48% |
| Financial Health | ||
| Profit Margin (TTM) | 0.06% | 0.26% |
| Operating Margin (TTM) | 0.41% | 0.39% |
| Return on Equity (TTM) | 0.02% | 0.09% |
| Debt to Equity (MRQ) | 0.50 | 0.47 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $24.48 | $26.74 |
| Cash per Share (MRQ) | $5.86 | $9.01 |
| Operating Cash Flow (TTM) | $25.30M | $21.51M |
| Levered Free Cash Flow (TTM) | $-160,000 | $15.52M |
| Dividends | ||
| Last 12-Month Dividend Yield | 5.81% | 3.49% |
| Last 12-Month Dividend | $1.54 | $1.03 |
Valuation & Enterprise Metrics Analysis: Norwood Financial vs Middlefield Banc
| Metric | NWFL | MBCN |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 121.48 | 12.72 |
| Forward P/E | 8.30 | 15.73 |
| PEG Ratio | 4.21 | 0.28 |
| Price to Sales (TTM) | 4.38 | 3.38 |
| Price to Book (MRQ) | 1.04 | 1.07 |
| Market Capitalization | ||
| Market Capitalization | $236.08M | $240.98M |
| Enterprise Value | $294.84M | $258.99M |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 5.46 | 3.67 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 0.70 | 0.45 |
| Book Value per Share (MRQ) | $24.48 | $26.74 |
Financial Statements Comparison: Norwood Financial vs Middlefield Banc
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | NWFL | MBCN |
|---|---|---|
| Revenue/Sales | $20.21M | $18.04M |
| Cost of Goods Sold | N/A | N/A |
| Gross Profit | N/A | N/A |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| EBITDA | N/A | N/A |
| Pre-Tax Income | $7.29M | $5.75M |
| Income Tax | $1.51M | $924,000 |
| Net Income (Profit) | $5.77M | $4.83M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | NWFL | MBCN |
|---|---|---|
| Cash & Equivalents | $75.41M | $56.15M |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $118.59M | $11.61M |
| Total Shareholders Equity | $220.71M | $213.79M |
| Retained Earnings | $127.87M | $112.43M |
| Property, Plant & Equipment | N/A | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | NWFL | MBCN |
|---|---|---|
| Operating Cash Flow | $8.45M | $7.78M |
| Capital Expenditures | $-932,000 | $-273,000 |
| Free Cash Flow | $8.17M | $7.75M |
| Debt Repayment | $-23.20M | $-51,000 |
| Common Stock Repurchase | $-349,000 | $0 |
Short Interest & Institutional Ownership Analysis
| Metric | NWFL | MBCN |
|---|---|---|
| Shares Short | 270,686 | 55,702 |
| Short Ratio | 11.31 | 8.24 |
| Short % of Float | 0.03% | 0.01% |
| Average Daily Volume (10 Day) | 26,073 | 6,080 |
| Average Daily Volume (90 Day) | 24,148 | 7,030 |
| Shares Outstanding | 9.27M | 8.07M |
| Float Shares | 8.42M | 7.20M |
| % Held by Insiders | 0.08% | 0.04% |
| % Held by Institutions | 0.38% | 0.35% |
Dividend Analysis & Yield Comparison: Norwood Financial vs Middlefield Banc
| Metric | NWFL | MBCN |
|---|---|---|
| Last 12-Month Dividend | $1.54 | $1.03 |
| Last 12-Month Dividend Yield | 5.81% | 3.49% |
| 3-Year Avg Annual Dividend | $1.29 | $0.92 |
| 3-Year Avg Dividend Yield | 1.12% | 0.79% |
| 3-Year Total Dividends | $3.88 | $2.75 |
| Ex-Dividend Date | Oct 15, 2025 | Aug 29, 2025 |