Northway Financial, Inc. Logo

Northway Financial, Inc.

NWYF

(2.0)
Stock Price

37,25 USD

0.4% ROA

7.34% ROE

16.53x PER

Market Cap.

83.374.995,00 USD

233.65% DER

2.31% Yield

10.11% NPM

Northway Financial, Inc. Stock Analysis

Northway Financial, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Northway Financial, Inc. Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0x) suggests it's undervalued, making it an attractive opportunity for investors.

2 DER

The stock has a minimal amount of debt (32%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

3 Dividend

Shareholders can rely on the company's remarkable dividend history, consistently paying dividends for the past five years, demonstrating a steadfast dedication to rewarding investors.

4 ROE

The stock's ROE falls within an average range (3.24%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

5 ROA

The stock's ROA (0.21%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

6 Revenue Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

7 Net Profit Growth

This company's net profit has remained flat over the past five years, suggesting a lack of growth and making it a less attractive investment opportunity.

8 Assets Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

9 Graham Number

The Graham number calculation reveals that this company's stock price is potentially inflated, implying that it may not be a desirable investment option.

10 Dividend Growth

The company's dividend growth has shown no improvement in the past three years, making it a less attractive investment option for those seeking increasing returns.

11 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is overpriced (0), presenting a possible disadvantage for investors as its market price surpasses its estimated intrinsic value.

Northway Financial, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Northway Financial, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Sell
4 Stoch RSI Sell

Northway Financial, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Northway Financial, Inc. Revenue
Year Revenue Growth
1996 2.114.000
1997 18.700.000 88.7%
1998 19.500.000 4.1%
1999 22.000.000 11.36%
2000 23.941.000 8.11%
2001 23.630.000 -1.32%
2002 25.040.000 5.63%
2003 28.425.000 11.91%
2004 27.943.000 -1.72%
2005 27.172.000 -2.84%
2006 28.073.000 3.21%
2008 19.457.000 -44.28%
2009 27.946.000 30.38%
2013 39.344.000 28.97%
2014 38.546.000 -2.07%
2015 34.307.000 -12.36%
2016 33.485.000 -2.45%
2017 35.294.000 5.13%
2018 31.276.000 -12.85%
2019 39.599.000 21.02%
2020 38.193.000 -3.68%
2021 41.445.000 7.85%
2022 31.488.000 -31.62%
2022 36.564.000 13.88%
2023 54.562.000 32.99%
2024 33.984.000 -60.55%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Northway Financial, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
1996 0
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2008 0 0%
2009 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Northway Financial, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
1996 5.423.000
1997 5.900.000 8.08%
1998 6.800.000 13.24%
1999 8.500.000 20%
2000 8.868.000 4.15%
2001 9.014.000 1.62%
2002 9.758.000 7.62%
2003 11.426.000 14.6%
2004 11.981.000 4.63%
2005 11.592.000 -3.36%
2006 12.252.000 5.39%
2008 11.227.000 -9.13%
2009 12.236.000 8.25%
2013 17.997.000 32.01%
2014 17.580.000 -2.37%
2015 17.047.000 -3.13%
2016 19.492.000 12.54%
2017 17.432.000 -11.82%
2018 19.893.000 12.37%
2019 20.230.000 1.67%
2020 19.089.000 -5.98%
2021 18.527.000 -3.03%
2022 0 0%
2022 19.788.000 100%
2023 18.868.000 -4.88%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Northway Financial, Inc. EBITDA
Year EBITDA Growth
1996 19.262.000
1997 19.500.000 1.22%
1998 18.600.000 -4.84%
1999 18.800.000 1.06%
2000 23.836.000 21.13%
2001 21.652.000 -10.09%
2002 15.978.000 -35.51%
2003 16.836.000 5.1%
2004 14.944.000 -12.66%
2005 14.864.000 -0.54%
2006 20.079.000 25.97%
2008 14.298.000 -40.43%
2009 16.553.000 13.62%
2013 15.999.000 -3.46%
2014 17.444.000 8.28%
2015 16.088.000 -8.43%
2016 10.861.000 -48.13%
2017 14.036.000 22.62%
2018 8.929.000 -57.2%
2019 12.398.000 27.98%
2020 7.195.000 -72.31%
2021 12.338.000 41.68%
2022 500.000 -2367.6%
2022 8.025.000 93.77%
2023 -6.365.000 226.08%
2024 584.000 1189.9%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Northway Financial, Inc. Gross Profit
Year Gross Profit Growth
1996 2.114.000
1997 18.700.000 88.7%
1998 19.500.000 4.1%
1999 22.000.000 11.36%
2000 23.941.000 8.11%
2001 23.630.000 -1.32%
2002 25.040.000 5.63%
2003 28.425.000 11.91%
2004 27.943.000 -1.72%
2005 27.172.000 -2.84%
2006 28.073.000 3.21%
2008 19.457.000 -44.28%
2009 27.946.000 30.38%
2013 39.344.000 28.97%
2014 38.546.000 -2.07%
2015 34.307.000 -12.36%
2016 33.485.000 -2.45%
2017 35.294.000 5.13%
2018 31.276.000 -12.85%
2019 39.599.000 21.02%
2020 38.193.000 -3.68%
2021 41.445.000 7.85%
2022 31.488.000 -31.62%
2022 36.564.000 13.88%
2023 54.562.000 32.99%
2024 53.288.000 -2.39%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Northway Financial, Inc. Net Profit
Year Net Profit Growth
1996 3.857.000
1997 4.000.000 3.58%
1998 4.100.000 2.44%
1999 3.800.000 -7.89%
2000 4.159.000 8.63%
2001 3.873.000 -7.38%
2002 2.598.000 -49.08%
2003 3.617.000 28.17%
2004 3.388.000 -6.76%
2005 2.673.000 -26.75%
2006 3.215.000 16.86%
2008 -1.091.000 394.68%
2009 2.033.000 153.66%
2013 6.925.000 70.64%
2014 7.585.000 8.7%
2015 6.212.000 -22.1%
2016 4.015.000 -54.72%
2017 7.278.000 44.83%
2018 2.938.000 -147.72%
2019 9.284.000 68.35%
2020 5.244.000 -77.04%
2021 9.303.000 43.63%
2022 -524.000 1875.38%
2022 2.675.000 119.59%
2023 5.771.000 53.65%
2024 3.436.000 -67.96%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Northway Financial, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1996 1
1997 1 0%
1998 1 0%
1999 1 0%
2000 1 0%
2001 1 0%
2002 1 0%
2003 1 100%
2004 1 0%
2005 1 0%
2006 1 0%
2008 0 0%
2009 1 0%
2013 3 100%
2014 3 0%
2015 2 0%
2016 1 -100%
2017 3 50%
2018 1 -100%
2019 3 66.67%
2020 2 -200%
2021 3 66.67%
2022 0 0%
2022 1 0%
2023 2 100%
2024 1 -100%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Northway Financial, Inc. Free Cashflow
Year Free Cashflow Growth
1996 4.384.000
1997 4.000.000 -9.6%
1998 2.600.000 -53.85%
1999 5.400.000 51.85%
2000 2.783.000 -94.04%
2001 500.000 -456.6%
2002 3.077.000 83.75%
2003 4.776.000 35.57%
2004 3.858.000 -23.79%
2005 4.302.000 10.32%
2006 1.976.000 -117.71%
2007 1.182.000 -67.17%
2008 6.770.000 82.54%
2009 -237.000 2956.54%
2013 11.272.000 102.1%
2014 10.014.000 -12.56%
2015 6.953.000 -44.02%
2016 6.459.000 -7.65%
2017 6.648.000 2.84%
2018 7.780.000 14.55%
2019 4.125.000 -88.61%
2020 5.912.000 30.23%
2021 9.261.000 36.16%
2022 13.754.000 32.67%
2023 -113.000 12271.68%
2024 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Northway Financial, Inc. Operating Cashflow
Year Operating Cashflow Growth
1996 5.483.000
1997 5.500.000 0.31%
1998 4.200.000 -30.95%
1999 6.800.000 38.24%
2000 4.485.000 -51.62%
2001 2.086.000 -115%
2002 5.392.000 61.31%
2003 6.586.000 18.13%
2004 6.125.000 -7.53%
2005 4.302.000 -42.38%
2006 5.417.000 20.58%
2007 1.182.000 -358.29%
2008 7.156.000 83.48%
2009 630.000 -1035.87%
2013 14.224.000 95.57%
2014 11.407.000 -24.7%
2015 7.109.000 -60.46%
2016 7.559.000 5.95%
2017 7.108.000 -6.34%
2018 8.779.000 19.03%
2019 4.577.000 -91.81%
2020 6.957.000 34.21%
2021 9.984.000 30.32%
2022 14.103.000 29.21%
2023 -113.000 12580.53%
2024 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Northway Financial, Inc. Capital Expenditure
Year Capital Expenditure Growth
1996 1.099.000
1997 1.500.000 26.73%
1998 1.600.000 6.25%
1999 1.400.000 -14.29%
2000 1.702.000 17.74%
2001 1.586.000 -7.31%
2002 2.315.000 31.49%
2003 1.810.000 -27.9%
2004 2.267.000 20.16%
2005 0 0%
2006 3.441.000 100%
2007 0 0%
2008 386.000 100%
2009 867.000 55.48%
2013 2.952.000 70.63%
2014 1.393.000 -111.92%
2015 156.000 -792.95%
2016 1.100.000 85.82%
2017 460.000 -139.13%
2018 999.000 53.95%
2019 452.000 -121.02%
2020 1.045.000 56.75%
2021 723.000 -44.54%
2022 349.000 -107.16%
2023 0 0%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Northway Financial, Inc. Equity
Year Equity Growth
1996 33.663.000
1997 37.500.000 10.23%
1998 41.000.000 8.54%
1999 39.300.000 -4.33%
2000 41.562.000 5.44%
2001 43.339.000 4.1%
2002 64.266.000 32.56%
2003 47.872.000 -34.25%
2004 49.510.000 3.31%
2005 50.250.000 1.47%
2006 52.149.000 3.64%
2008 40.278.000 -29.47%
2009 51.563.000 21.89%
2013 82.188.000 37.26%
2014 90.918.000 9.6%
2015 70.307.000 -29.32%
2016 74.403.000 5.51%
2017 81.189.000 8.36%
2018 79.418.000 -2.23%
2019 91.379.000 13.09%
2020 96.115.000 4.93%
2021 100.646.000 4.5%
2022 64.436.000 -56.2%
2022 85.533.000 24.67%
2023 73.237.000 -16.79%
2024 72.298.000 -1.3%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Northway Financial, Inc. Assets
Year Assets Growth
1996 372.581.000
1997 377.900.000 1.41%
1998 404.000.000 6.46%
1999 462.600.000 12.67%
2000 485.144.000 4.65%
2001 513.939.000 5.6%
2002 598.318.000 14.1%
2003 609.216.000 1.79%
2004 638.418.000 4.57%
2005 632.734.000 -0.9%
2006 650.877.000 2.79%
2008 725.576.000 10.3%
2009 807.357.000 10.13%
2013 898.329.000 10.13%
2014 925.713.000 2.96%
2015 933.604.000 0.85%
2016 889.598.000 -4.95%
2017 884.084.000 -0.62%
2018 926.898.000 4.62%
2019 916.995.000 -1.08%
2020 1.120.692.000 18.18%
2021 1.247.516.000 10.17%
2022 1.302.602.000 4.23%
2022 1.226.571.000 -6.2%
2023 1.290.467.000 4.95%
2024 1.276.475.000 -1.1%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Northway Financial, Inc. Liabilities
Year Liabilities Growth
1996 8.924.000
1997 340.400.000 97.38%
1998 363.000.000 6.23%
1999 423.300.000 14.25%
2000 443.582.000 4.57%
2001 470.600.000 5.74%
2002 534.052.000 11.88%
2003 561.344.000 4.86%
2004 588.908.000 4.68%
2005 582.484.000 -1.1%
2006 598.728.000 2.71%
2008 685.298.000 12.63%
2009 755.794.000 9.33%
2013 816.141.000 7.39%
2014 834.795.000 2.23%
2015 863.297.000 3.3%
2016 815.195.000 -5.9%
2017 802.895.000 -1.53%
2018 847.480.000 5.26%
2019 20.620.000 -4009.99%
2020 20.620.000 0%
2021 20.620.000 0%
2022 20.620.000 0%
2022 1.141.038.000 98.19%
2023 1.217.230.000 6.26%
2024 65.620.000 -1754.97%

Northway Financial, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
18.14
Net Income per Share
1.83
Price to Earning Ratio
16.53x
Price To Sales Ratio
1.67x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
1.15
EV to Sales
1.73
EV Over EBITDA
-27.39
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.06
FreeCashFlow Yield
0
Market Cap
0,08 Bil.
Enterprise Value
0,09 Bil.
Graham Number
32.92
Graham NetNet
-1.11

Income Statement Metrics

Net Income per Share
1.83
Income Quality
0
ROE
0.07
Return On Assets
0
Return On Capital Employed
0
Net Income per EBT
0.95
EBT Per Ebit
1
Ebit per Revenue
0.11
Effective Tax Rate
0.08

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1.1
Operating Profit Margin
0.11
Pretax Profit Margin
0.11
Net Profit Margin
0.1

Dividends

Dividend Yield
0.02
Dividend Yield %
2.31
Payout Ratio
0
Dividend Per Share
0.7

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.02
Return on Tangible Assets
0
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
22,74
Book Value per Share
440,05
Tangible Book Value per Share
440.05
Shareholders Equity per Share
26.27
Interest Debt per Share
61.39
Debt to Equity
2.34
Debt to Assets
0.13
Net Debt to EBITDA
-0.97
Current Ratio
0.61
Tangible Asset Value
1,21 Bil.
Net Current Asset Value
0,00 Bil.
Invested Capital
-40734000
Working Capital
-0,04 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
2.03

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Northway Financial, Inc. Dividends
Year Dividends Growth
1999 1
2000 1 0%
2001 1 0%
2002 1 0%
2003 1 0%
2004 1 0%
2005 1 0%
2006 1 0%
2007 1 0%
2008 1 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 1 0%
2024 1 0%

Northway Financial, Inc. Profile

About Northway Financial, Inc.

Northway Financial, Inc. operates as the bank holding company for Northway Bank, a commercial bank that provides a range of financial products and services in the United States. The company offers checking, savings, money market, individual retirement, and municipal deposit accounts; certificates of deposit (CD); and debit and credit cards. It also provides mortgages; home equity loans and lines of credit; automobile, ATV, boat, and recreational vehicle loans; personal loans and lines of credit; savings or CD secured loans; municipal loan products; business acquisition financing; and working capital lines of credit, equipment financing and term loans, residential and commercial real estate loans, construction loans, consumer loans, and small business administration loans, as well as letters of credit. In addition, the company offers online and mobile banking services; cash management services comprising account analysis and reconciliation, automated sweep, lockbox, wire transfer, CD imaging, automated clearing house, and deposit express; overdraft prevention and protection services; and investment and insurance products. It operates through 17 branches, 1 loan production office, and 17 ATMs. The company was founded in 1997 and is headquartered in North Conway, New Hampshire.

CEO
Mr. William J. Woodward
Employee
249
Address
3424 White Mountain Highway
North Conway, 03860

Northway Financial, Inc. Executives & BODs

Northway Financial, Inc. Executives & BODs
# Name Age
1 Ms. Paula F. Caughey Esq., CRCM
Senior Vice President & Risk Management Officer of Northway Bank
70
2 Mr. William J. Woodward
Chairman, President & Chief Executive Officer
70
3 Mr. John A. Gobel
Chief Technology Officer & Senior Vice President
70
4 Mr. Gary J. Laurash
Senior Vice President, Chief Financial Officer & Treasurer
70
5 Kristy J. Goodson
Senior Vice President of Corporate & Municipal Services
70
6 James W. Clark
Senior Vice President & Retail Banking Manager
70
7 Mr. Christopher M. Dickinson
SVice President & Chief Commercial Banking Officer
70
8 Ms. Debra A. Blair
Secretary
70
9 Mr. Thomas D. Kaseta
Senior Vice President & Chief Credit Officer of Northway Bank
70
10 Mr. Arthur Scott Thimann
Senior Vice President & Chief Banking Officer of Northway Bank
70

Northway Financial, Inc. Competitors