NODK vs NWFL

Comparison between NI Holdings Inc (NODK, Company) and Norwood Financial Corp (NWFL, Company).

Both NODK and NWFL are from the Financial Services sector.

5-Year PerformanceNWFL has outperformed NODK, delivering a return of +10.8% compared to -4.3%

NODK vs NWFL - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	NODK(COMPANY)	NWFL(COMPANY)
Market Cap	$326M	$327M
Max Drawdown	44.88%	46.42%
Sharpe Ratio	0.71	1.39
5Y Beta	0.46	0.61
Industry	Insurance - Property & Casualty	Banks - Regional
P/E Ratio	-76.98	11.94
Forward P/E	N/A	10.31
PEG Ratio	0.00	0.52
Dividend Yield	N/A	3.95%
5Y Dividends CAGR	N/A	4.30%
5Y EPS CAGR	N/A	11.30%
Debt to Equity	0.96%	0.00%
Free Cash Flow Yield	-8.36%	8.15%
P/S Ratio	1.19	3.64
P/B Ratio	1.30	1.19

Market Cap

NODK

$326M

Winner

NWFL

$327M

Max Drawdown

Winner

NODK

44.88%

NWFL

46.42%

Sharpe Ratio

NODK

0.71

Winner

NWFL

1.39

5Y Beta

Winner

NODK

0.46

NWFL

0.61

Industry

NODK

Insurance - Property & Casualty

NWFL

Banks - Regional

P/E Ratio

Winner

NODK

-76.98

NWFL

11.94

Forward P/E

NODK

N/A

NWFL

10.31

PEG Ratio

Winner

NODK

0.00

NWFL

0.52

Dividend Yield

NODK

N/A

NWFL

3.95%

5Y Dividends CAGR

NODK

N/A

NWFL

4.30%

5Y EPS CAGR

NODK

N/A

NWFL

11.30%

Debt to Equity

NODK

0.96%

Winner

NWFL

0.00%

Free Cash Flow Yield

NODK

-8.36%

Winner

NWFL

8.15%

P/S Ratio

Winner

NODK

1.19

NWFL

3.64

P/B Ratio

NODK

1.30

Winner

NWFL

1.19

NODK vs NWFL - Historical Returns

Returns include dividend reinvestment.

Period	NODK	NWFL
1 month	-3.00%	+4.82%
3 months	+22.22%	+16.60%
6 months	+19.91%	+20.23%
1 year	+20.64%	+43.24%
5 years(CAGR)	-4.32%	+10.80%
10 years(CAGR)	+0.76%	+10.03%
Max(CAGR)	+0.76%	+9.41%

NODK

-3.00%

Winner

NWFL

+4.82%

Winner

NODK

+22.22%

NWFL

+16.60%

NODK

+19.91%

Winner

NWFL

+20.23%

NODK

+20.64%

Winner

NWFL

+43.24%

5Y(CAGR)

NODK

-4.32%

Winner

NWFL

+10.80%

10Y(CAGR)

NODK

+0.76%

Winner

NWFL

+10.03%

Max(CAGR)

NODK

+0.76%

Winner

NWFL

+9.41%

NODK vs NWFL - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	NODK	NWFL
2026	+19.37%	+24.29%
2025	-14.52%	+11.07%
2024	+21.24%	-10.23%
2023	-3.28%	+3.16%
2022	-31.49%	+32.76%
2021	+16.94%	+5.35%
2020	-3.01%	-30.56%
2019	+9.55%	+21.47%
2018	-6.03%	+2.72%
2017	+15.12%	+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%

NODK vs NWFL Drawdown Comparison

The maximum drawdown for NODK was -44.88%, occurring on Mar 20, 2020. Recovery took 433 trading sessions.

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

The current NODK drawdown is -22.05%.

Rank	NODK	NWFL
#1	-44.88% Jun 17, 2019 - Mar 5, 2021	-43.93% Dec 27, 2019 - Dec 15, 2023
#2	-40.55% Jul 23, 2021 - Oct 23, 2023	-33.58% Dec 26, 2023 - Feb 2, 2026
#3	-20.82% Jun 7, 2017 - Jun 17, 2019	-29.56% Sep 25, 2018 - Dec 20, 2019
#4	-10.40% Mar 16, 2021 - Jun 10, 2021	-28.02% Nov 5, 1999 - Jul 19, 2001
#5	-6.12% Jun 18, 2021 - Jul 20, 2021	-27.60% Oct 31, 2008 - Jun 26, 2009
#6	-3.70% Apr 11, 2017 - May 9, 2017	-25.12% Aug 7, 2009 - Jul 11, 2012
#7	-3.21% Mar 9, 2021 - Mar 12, 2021	-19.62% Jan 14, 2005 - May 9, 2006
#8	-2.44% Mar 16, 2017 - Mar 31, 2017	-16.79% Dec 21, 2017 - Jun 15, 2018
#9	-1.56% May 9, 2017 - May 11, 2017	-16.18% Feb 14, 2007 - Oct 31, 2008
#10	-1.54% May 16, 2017 - May 19, 2017	-14.54% Jul 29, 2003 - Feb 6, 2004
#11	-1.46% Jun 1, 2017 - Jun 6, 2017	-14.43% Apr 12, 2004 - Apr 28, 2004
#12	-1.25% May 11, 2017 - May 16, 2017	-13.53% Feb 3, 2014 - Apr 24, 2015
#13	-0.95% Jun 11, 2021 - Jun 16, 2021	-13.41% Apr 30, 2004 - Oct 27, 2004
#14	-0.84% May 22, 2017 - May 25, 2017	-13.33% Jun 6, 2013 - Feb 3, 2014
#15	-0.52% Apr 4, 2017 - Apr 7, 2017	-12.87% Feb 17, 2026 - Jun 10, 2026

Correlation

Correlation between NODK and NWFL is -0.37 which considered as a weak negative correlation - the stocks show a slight tendency to move in opposite directions.

-0.37

-101