Baycom vs Norwood Financial
Baycom and Norwood Financial are similar in size: $101m and $87.9m of revenue in their latest fiscal years. Norwood Financial grew faster (72.3% against 3.1%). Norwood Financial kept more of each dollar of sales as profit: a net margin of 31.6% against 23.8%.
| Latest fiscal year | BaycomBCML, 2025 | Norwood FinancialNWFL, 2025 |
|---|---|---|
| Revenue | $101m | $87.9m |
| Revenue growth | 3.1% | 72.3% |
| Net income | $23.9m | $27.8m |
| Operating margin | — | — |
| Net margin | 23.8% | 31.6% |
| Return on equity | 7.2% | 12.2% |
| Free cash flow | $30.1m | $29.2m |
| Cash | $207m | $44.4m |
| Total debt | $0 | $14.7m |
| Debt to equity | — | — |
| Dividend per share | $0.90 | $1.25 |
| Dividend yield | 3.4% | 3.3% |
| Share buybacks | $6.9m | $361,000 |
| Employees | 327 | — |
| Market value | $339m | $391m |
| Price vs our value range | — | — |
| Moat score | 63 (Moderate) | 49 (Moderate) |
| Insider trades, 12 months | 0 buys, 0 sales | 0 buys, 0 sales |