Norwood Financial vs Pioneer Bancorp
Norwood Financial and Pioneer Bancorp are similar in size: $87.9m and $96.3m of revenue in their latest fiscal years. Norwood Financial grew faster (72.3% against 16.2%). Norwood Financial kept more of each dollar of sales as profit: a net margin of 31.6% against 21.1%.
| Latest fiscal year | Norwood FinancialNWFL, 2025 | Pioneer BancorpPBFS, 2025 |
|---|---|---|
| Revenue | $87.9m | $96.3m |
| Revenue growth | 72.3% | 16.2% |
| Net income | $27.8m | $20.3m |
| Operating margin | — | — |
| Net margin | 31.6% | 21.1% |
| Return on equity | 12.2% | 6.5% |
| Free cash flow | $29.2m | $11.1m |
| Cash | $44.4m | $134m |
| Total debt | $14.7m | $0 |
| Debt to equity | — | — |
| Dividend per share | $1.25 | — |
| Dividend yield | 3.3% | — |
| Share buybacks | $361,000 | $11.3m |
| Employees | — | 257 |
| Market value | $391m | $453m |
| Price vs our value range | — | — |
| Moat score | 49 (Moderate) | 44 (Weak) |
| Insider trades, 12 months | 0 buys, 0 sales | 0 buys, 22 sales |