NWFL vs NODK

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

Both NWFL and NODK are from the Financial Services sector.

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

NWFL vs NODK - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

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

Market Cap

Winner

NWFL

$327M

NODK

$326M

Max Drawdown

NWFL

46.42%

Winner

NODK

44.88%

Sharpe Ratio

Winner

NWFL

1.39

NODK

0.71

5Y Beta

NWFL

0.61

Winner

NODK

0.46

Industry

NWFL

Banks - Regional

NODK

Insurance - Property & Casualty

P/E Ratio

NWFL

11.94

Winner

NODK

-76.98

Forward P/E

NWFL

10.31

NODK

N/A

PEG Ratio

NWFL

0.52

Winner

NODK

0.00

Dividend Yield

NWFL

3.95%

NODK

N/A

5Y Dividends CAGR

NWFL

4.30%

NODK

N/A

5Y EPS CAGR

NWFL

11.30%

NODK

N/A

Debt to Equity

Winner

NWFL

0.00%

NODK

0.96%

Free Cash Flow Yield

Winner

NWFL

8.15%

NODK

-8.36%

P/S Ratio

NWFL

3.64

Winner

NODK

1.19

P/B Ratio

Winner

NWFL

1.19

NODK

1.30

NWFL vs NODK - Historical Returns

Returns include dividend reinvestment.

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

Winner

NWFL

+4.82%

NODK

-3.00%

NWFL

+16.60%

Winner

NODK

+22.22%

Winner

NWFL

+20.23%

NODK

+19.91%

Winner

NWFL

+43.24%

NODK

+20.64%

5Y(CAGR)

Winner

NWFL

+10.80%

NODK

-4.32%

10Y(CAGR)

Winner

NWFL

+10.03%

NODK

+0.76%

Max(CAGR)

Winner

NWFL

+9.41%

NODK

+0.76%

NWFL vs NODK - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	NWFL	NODK
2026	+24.29%	+19.37%
2025	+11.07%	-14.52%
2024	-10.23%	+21.24%
2023	+3.16%	-3.28%
2022	+32.76%	-31.49%
2021	+5.35%	+16.94%
2020	-30.56%	-3.01%
2019	+21.47%	+9.55%
2018	+2.72%	-6.03%
2017	+60.65%	+15.12%
2016	+20.41%	N/A
2015	+2.55%	N/A
2014	+9.88%	N/A
2013	+2.50%	N/A
2012	+12.40%	N/A
2011	+4.24%	N/A
2010	+1.95%	N/A
2009	+7.91%	N/A
2008	-8.97%	N/A
2007	+2.15%	N/A
2006	+13.24%	N/A
2005	-6.84%	N/A
2004	+38.45%	N/A
2003	+34.46%	N/A
2002	+17.77%	N/A
2001	+52.66%	N/A
2000	-14.70%	N/A
1999	-4.60%	N/A

NWFL vs NODK Drawdown Comparison

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

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

The current NODK drawdown is -22.05%.

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

Correlation

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

-0.37

-101