Norwood Financial [NWFL] vs U.S. Bancorp [USB] Detailed Stock Comparison
Norwood Financial
NASDAQ
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U.S. Bancorp
NYSE
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TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: Norwood Financial wins in 6 metrics, U.S. Bancorp wins in 12 metrics, with 0 ties. U.S. Bancorp appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Norwood Financial | U.S. Bancorp | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 121.48 | 11.36 | U.S. Bancorp |
| Price-to-Book Ratio | 1.04 | 1.36 | Norwood Financial |
| Debt-to-Equity Ratio | 0.50 | 1.34 | Norwood Financial |
| PEG Ratio | 4.21 | 0.79 | U.S. Bancorp |
| Profit Margin (TTM) | 5.88% | 27.00% | U.S. Bancorp |
| Operating Margin (TTM) | 40.95% | 37.33% | Norwood Financial |
| EBITDA Margin (TTM) | 40.95% | 37.33% | Norwood Financial |
| Return on Equity | 1.56% | 11.67% | U.S. Bancorp |
| Return on Assets (TTM) | 0.14% | 1.01% | U.S. Bancorp |
| Free Cash Flow (TTM) | $19.68M | $11.27B | U.S. Bancorp |
| Dividend Yield | 5.81% | 4.60% | Norwood Financial |
| 1-Year Return | -12.58% | 1.82% | U.S. Bancorp |
| Price-to-Sales Ratio (TTM) | 4.38 | 2.91 | U.S. Bancorp |
| Enterprise Value | $294.84M | $101.95B | U.S. Bancorp |
| EV/Revenue Ratio | 5.46 | 3.99 | U.S. Bancorp |
| Revenue per Share (TTM) | $6 | $16 | U.S. Bancorp |
| Earnings per Share (Diluted) | $0.21 | $4.18 | U.S. Bancorp |
| Beta (Stock Volatility) | 0.70 | 1.08 | Norwood Financial |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
Norwood Financial vs U.S. Bancorp 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% |
| U.S. Bancorp | 0.23% | -1.69% | -4.60% | -0.42% | 19.85% | -1.59% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Norwood Financial | -12.58% | -9.01% | -1.72% | 30.16% | 3.67% | -6.85% |
| U.S. Bancorp | 1.82% | 10.15% | 20.34% | 15.53% | 108.96% | 68.45% |
News Based Sentiment: Norwood Financial vs U.S. Bancorp
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.
U.S. Bancorp
News based Sentiment: MIXED
October presented a mixed bag for U.S. Bancorp, with positive developments like a dividend increase and entry into digital asset custody countered by insider selling and a range of analyst opinions. The upcoming earnings release on October 16th will be key to understanding the bank's trajectory.
Performance & Financial Health Analysis: Norwood Financial vs U.S. Bancorp
| Metric | NWFL | USB |
|---|---|---|
| Market Information | ||
| Market Cap | $236.08M | $73.46B |
| Market Cap Category | Micro cap | Large cap |
| 10 Day Avg. Volume | 26,073 | 8,391,430 |
| 90 Day Avg. Volume | 24,148 | 9,701,660 |
| Last Close | $25.16 | $47.10 |
| 52 Week Range | $21.25 - $34.50 | $35.18 - $53.98 |
| % from 52W High | -27.07% | -12.75% |
| All-Time High | $40.58 (Sep 24, 2018) | $63.57 (Jan 10, 2022) |
| % from All-Time High | -38.00% | -25.91% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.21% | 0.03% |
| Quarterly Earnings Growth | 0.47% | 0.13% |
| Financial Health | ||
| Profit Margin (TTM) | 0.06% | 0.27% |
| Operating Margin (TTM) | 0.41% | 0.37% |
| Return on Equity (TTM) | 0.02% | 0.12% |
| Debt to Equity (MRQ) | 0.50 | 1.34 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $24.48 | $35.02 |
| Cash per Share (MRQ) | $5.86 | $39.85 |
| Operating Cash Flow (TTM) | $25.30M | $7.48B |
| Levered Free Cash Flow (TTM) | $-160,000 | $5.91B |
| Dividends | ||
| Last 12-Month Dividend Yield | 5.81% | 4.60% |
| Last 12-Month Dividend | $1.54 | $1.99 |
Valuation & Enterprise Metrics Analysis: Norwood Financial vs U.S. Bancorp
| Metric | NWFL | USB |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 121.48 | 11.36 |
| Forward P/E | 8.30 | 10.97 |
| PEG Ratio | 4.21 | 0.79 |
| Price to Sales (TTM) | 4.38 | 2.91 |
| Price to Book (MRQ) | 1.04 | 1.36 |
| Market Capitalization | ||
| Market Capitalization | $236.08M | $73.46B |
| Enterprise Value | $294.84M | $101.95B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 5.46 | 3.99 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 0.70 | 1.08 |
| Book Value per Share (MRQ) | $24.48 | $35.02 |
Financial Statements Comparison: Norwood Financial vs U.S. Bancorp
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 | USB |
|---|---|---|
| Revenue/Sales | $20.21M | $6.93B |
| 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 | $2.16B |
| Income Tax | $1.51M | $443.00M |
| Net Income (Profit) | $5.77M | $1.72B |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | NWFL | USB |
|---|---|---|
| Cash & Equivalents | $75.41M | $50.01B |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $118.59M | $59.86B |
| Total Shareholders Equity | $220.71M | $60.56B |
| Retained Earnings | $127.87M | $77.69B |
| Property, Plant & Equipment | N/A | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | NWFL | USB |
|---|---|---|
| Operating Cash Flow | $8.45M | $-750.00M |
| Capital Expenditures | $-932,000 | N/A |
| Free Cash Flow | $8.17M | $-285.00M |
| Debt Repayment | $-23.20M | $-2.10B |
| Common Stock Repurchase | $-349,000 | $-160.00M |
Short Interest & Institutional Ownership Analysis
| Metric | NWFL | USB |
|---|---|---|
| Shares Short | 270,686 | 22.01M |
| Short Ratio | 11.31 | 2.51 |
| Short % of Float | 0.03% | 0.01% |
| Average Daily Volume (10 Day) | 26,073 | 8,391,430 |
| Average Daily Volume (90 Day) | 24,148 | 9,701,660 |
| Shares Outstanding | 9.27M | 1.56B |
| Float Shares | 8.42M | 1.55B |
| % Held by Insiders | 0.08% | 0.00% |
| % Held by Institutions | 0.38% | 0.82% |
Dividend Analysis & Yield Comparison: Norwood Financial vs U.S. Bancorp
| Metric | NWFL | USB |
|---|---|---|
| Last 12-Month Dividend | $1.54 | $1.99 |
| Last 12-Month Dividend Yield | 5.81% | 4.60% |
| 3-Year Avg Annual Dividend | $1.29 | $1.78 |
| 3-Year Avg Dividend Yield | 1.12% | 1.19% |
| 3-Year Total Dividends | $3.88 | $5.35 |
| Ex-Dividend Date | Oct 15, 2025 | Mar 31, 2025 |