CARL vs NWFL

Comparison between Carlsmed Inc (CARL, Company) and Norwood Financial Corp (NWFL, Company).

CARL is from the Healthcare sector, while NWFL is from the Financial Services sector.

CARL vs NWFL - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	CARL(COMPANY)	NWFL(COMPANY)
Market Cap	$319M	$332M
Max Drawdown	48.03%	46.42%
Sharpe Ratio	-0.26	0.78
5Y Beta	1.60	0.67
Industry	Health Information Services	Banks - Regional
P/E Ratio	-10.52	12.13
Forward P/E	N/A	10.31
PEG Ratio	N/A	0.53
Dividend Yield	N/A	4.17%
5Y Dividends CAGR	N/A	9.01%
5Y EPS CAGR	N/A	11.30%
Debt to Equity	16.66%	0.00%
Free Cash Flow Yield	-14.11%	8.02%
P/S Ratio	5.50	3.55
P/B Ratio	3.37	1.16

Market Cap

CARL

$319M

Winner

NWFL

$332M

Max Drawdown

CARL

48.03%

Winner

NWFL

46.42%

Sharpe Ratio

CARL

-0.26

Winner

NWFL

0.78

5Y Beta

CARL

1.60

Winner

NWFL

0.67

Industry

CARL

Health Information Services

NWFL

Banks - Regional

P/E Ratio

Winner

CARL

-10.52

NWFL

12.13

Forward P/E

CARL

N/A

NWFL

10.31

PEG Ratio

CARL

N/A

NWFL

0.53

Dividend Yield

CARL

N/A

NWFL

4.17%

5Y Dividends CAGR

CARL

N/A

NWFL

9.01%

5Y EPS CAGR

CARL

N/A

NWFL

11.30%

Debt to Equity

CARL

16.66%

Winner

NWFL

0.00%

Free Cash Flow Yield

CARL

-14.11%

Winner

NWFL

8.02%

P/S Ratio

CARL

5.50

Winner

NWFL

3.55

P/B Ratio

CARL

3.37

Winner

NWFL

1.16

CARL vs NWFL - Historical Returns

Returns include dividend reinvestment.

Period	CARL	NWFL
1 month	+7.28%	-1.07%
3 months	-23.93%	+4.25%
6 months	-32.69%	+9.42%
1 year	-29.86%	+23.43%
5 years(CAGR)	N/A	+8.19%
10 years(CAGR)	N/A	+9.15%
Max(CAGR)	-33.81%	+9.02%

Winner

CARL

+7.28%

NWFL

-1.07%

CARL

-23.93%

Winner

NWFL

+4.25%

CARL

-32.69%

Winner

NWFL

+9.42%

CARL

-29.86%

Winner

NWFL

+23.43%

5Y(CAGR)

CARL

N/A

NWFL

+8.19%

10Y(CAGR)

CARL

N/A

NWFL

+9.15%

Max(CAGR)

CARL

-33.81%

Winner

NWFL

+9.02%

CARL vs NWFL - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	CARL	NWFL
2026	-12.55%	+11.45%
2025	-14.83%	+11.07%
2024	N/A	-10.23%
2023	N/A	+3.16%
2022	N/A	+32.76%
2021	N/A	+5.35%
2020	N/A	-30.56%
2019	N/A	+21.47%
2018	N/A	+2.72%
2017	N/A	+60.65%
2016	N/A	+20.41%
2015	N/A	+2.55%
2014	N/A	+9.88%
2013	N/A	+2.50%
2012	N/A	+12.40%
2011	N/A	+4.24%
2010	N/A	+1.95%
2009	N/A	+7.91%
2008	N/A	-8.97%
2007	N/A	+2.15%
2006	N/A	+13.24%
2005	N/A	-6.84%
2004	N/A	+38.45%
2003	N/A	+34.46%
2002	N/A	+17.77%
2001	N/A	+52.66%
2000	N/A	-14.70%
1999	N/A	-4.60%

CARL vs NWFL Drawdown Comparison

The maximum drawdown for CARL was -48.03%, occurring on Apr 29, 2026. This drawdown has not yet recovered.

The maximum drawdown for NWFL was -43.93%, occurring on Apr 23, 2020. Recovery took 999 trading sessions.

The current CARL drawdown is -40.14%. The current NWFL drawdown is -3.81%.

Rank	CARL	NWFL
#1	-48.03% Dec 3, 2025 - Apr 29, 2026	-43.93% Dec 27, 2019 - Dec 15, 2023
#2	-23.00% Sep 18, 2025 - Nov 26, 2025	-33.58% Dec 26, 2023 - Feb 2, 2026
#3	-17.39% Jul 30, 2025 - Sep 12, 2025	-29.56% Sep 25, 2018 - Dec 20, 2019
#4	-7.92% Nov 28, 2025 - Dec 3, 2025	-28.02% Nov 5, 1999 - Jul 19, 2001
#5	-1.57% Sep 16, 2025 - Sep 18, 2025	-27.60% Oct 31, 2008 - Jun 26, 2009
#6	-0.95% Sep 12, 2025 - Sep 16, 2025	-25.12% Aug 7, 2009 - Jul 11, 2012
#7	-0.34% Jul 23, 2025 - Jul 30, 2025	-19.62% Jan 14, 2005 - May 9, 2006
#8	N/A	-16.79% Dec 21, 2017 - Jun 15, 2018
#9	N/A	-16.18% Feb 14, 2007 - Oct 31, 2008
#10	N/A	-14.54% Jul 29, 2003 - Feb 6, 2004
#11	N/A	-14.43% Apr 12, 2004 - Apr 28, 2004
#12	N/A	-13.53% Feb 3, 2014 - Apr 24, 2015
#13	N/A	-13.41% Apr 30, 2004 - Oct 27, 2004
#14	N/A	-13.33% Jun 6, 2013 - Feb 3, 2014
#15	N/A	-12.87% Feb 17, 2026 - Mar 18, 2026

Correlation

Correlation between CARL and NWFL is -0.49 which considered as a weak negative correlation - the stocks show a slight tendency to move in opposite directions.

-0.49

-101