On the stock market since 1998, it operates in the world of money and finance. It has 275 employees. Now — the numbers.
This is an established company with proven profits.
Revenue is spread across several business lines; no single line carries the company.
Average growth of 14% a year over the last 4 years. Red columns mark years that ended in a loss.
Executives buying with their own money is usually read as confidence in the company’s future.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Clearly above the class average — a step short of the very top.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price looks reasonable next to what the company earns.
Sales are growing strongly for its sector.
Clearly above the class average — a step short of the very top.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
The stock trades below its recent peak — about 10% off the top. A pullback, not a collapse.
The net profit margin is 20% — still a thick cushion, though costs have been eating into it lately.
Over the last 3 years, sales grew about 17% a year on average.
Over the last 12 months, company executives reported 131 buys and 3 sells. Management buying with its own money is usually read as a good sign.
The balance sheet offers little cushion against a rough stretch. Report-card grade: 46/100.
On our five-subject report card, NWFL sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”
The takeaway: NWFL is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.