Need an investment idea? Check out S2O Stock Screener. It allows to generate a list of stocks of a particular interest in a matter of seconds!

Market Price

29.35 

0.00 0.0%

as of Mar 22 '19

52 Week Range:

28.00 33.25


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Northway Financial, Inc. operates as the bank holding company for Northway Bank that provides various banking products and services to individuals, small businesses, and commercial customers in New Hampshire. The company offers checking, savings, money market, individual retirement, and municipal deposit accounts; certificates of deposit (CD); and debit and credit cards. It also provides mortgages; home equity loans and lines of credit; automobile, RV, boat, and motorcycle loans; personal loans and lines of credit; savings or CD secures loans; municipal loan products; business acquisition financing; and working capital, equipment and term, commercial real estate, and SBA loans, as well as letters of credit and overdrafts. In addition, the company offers payroll, and online and mobile banking services; cash management services comprising account analysis and reconciliation, sweep, lockbox, wire transfer, CD imaging, automated clearing house, and deposit express; and business and personal investment and insurance products. Northway Financial, Inc. was founded in 1881 and is headquartered in Berlin, New Hampshire.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '05 Dec '06 Dec '08 Dec '09 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 16.03
12.28
18.73
33.70
27.77
27.04
growth rate -23.4% 52.5% 15.8% -17.6% -2.6%
Earnings BIT 12.09
12.49
10.91
6.31
10.55
growth rate 3.3% -12.6% -42.2% 67.1%
Avg.PE 9.17
9.17
18.78
11.64
12.62
growth rate 0.0% 104.8% -38.0% 8.4%
ROA 0.42
0.50
-0.15
0.19
0.77
0.83
0.67
0.44
0.82
growth rate 19.1% -100.0% 100.0% 101.3% 7.8% -19.3% -34.3% 86.4%
ROE 5.36
6.28
-2.71
3.14
8.43
8.77
7.71
5.55
9.36
growth rate 17.2% -100.0% 100.0% 63.9% 4.0% -12.1% -28.0% 68.7%
Leverage 12.59
12.48
18.01
15.66
10.93
10.18
13.27
11.96
10.89
growth rate -0.9% 44.3% -13.1% -16.5% -6.9% 30.4% -9.9% -9.0%
Balance Sheet Dec '05 Dec '06 Dec '08 Dec '09 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Payable 726.63
757.92
737.73
722.76
725.53
growth rate 4.3% -2.7% -2.0% 0.4%
Cur.Assets 71.01
95.30
48.48
29.27
18.13
growth rate 34.2% -49.1% -39.6% -38.0%
Total Assets 873.63
898.33
925.71
933.60
889.60
884.08
926.90
growth rate 2.8% 3.1% 0.9% -4.7% -0.6% 4.8%
Cash 265.98
222.96
66.45
91.48
43.20
23.69
18.13
growth rate -16.2% -70.2% 37.7% -52.8% -45.2% -23.5%
Inventory 1.14
0.46
0.12
0.14
growth rate -59.3% -74.5% 20.3%
Cur.Liabilities 761.48
801.96
788.26
776.14
804.87
growth rate 5.3% -1.7% -1.5% 3.7%
Liabilities 792.75
816.14
834.80
863.30
815.20
802.90
847.48
growth rate 3.0% 2.3% 3.4% -5.6% -1.5% 5.6%
LT Debt 65.58
55.69
21.30
21.25
34.47
growth rate -15.1% -61.7% -0.3% 62.2%
Equity 80.88
82.19
90.89
70.31
74.40
81.19
79.42
growth rate 1.6% 10.6% -22.7% 5.8% 9.1% -2.2%
Common Shares 3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
79.42
growth rate 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 2,547.3%
Cash Flow Statement Dec '05 Dec '06 Dec '08 Dec '09 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 2.79
2.95
1.39
0.16
1.10
0.46
growth rate 5.9% -52.8% -88.8% 605.1% -58.2%
Cash Dividends 1.63
2.04
2.00
2.06
1.76
1.76
growth rate 25.3% -2.3% 3.0% -14.4% 0.0%
Cash From OA 6.06
14.22
11.41
7.11
7.56
7.11
growth rate 134.9% -19.8% -37.7% 6.3% -6.0%
FCF per Share 0.79
2.46
-0.09
3.64
2.53
2.35
growth rate 211.4% -100.0% 100.0% -30.5% -7.1%
Sale Purchase of Stock -23.59
-23.59
-23.59
growth rate 0.0% 0.0%
FCF 4.00
2.00
7.00
3.27
11.00
10.00
7.00
6.00
7.00
growth rate -50.0% 250.0% -31.7% 236.6% -9.1% -30.0% -14.3% 16.7%
Income Statement Dec '05 Dec '06 Dec '08 Dec '09 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 43.95
44.89
37.81
34.97
34.27
36.08
31.74
growth rate 2.1% -15.8% -7.5% -2.0% 5.3% -12.0%
Op.Income 6.49
7.21
10.35
9.03
8.09
9.76
2.72
growth rate 11.0% 43.6% -12.8% -10.4% 20.7% -72.1%
IBT 8.24
9.71
10.28
8.97
4.96
9.73
2.72
growth rate 17.9% 5.8% -12.8% -44.7% 96.1% -72.0%
Net Income 6.49
7.21
7.85
6.49
4.02
7.28
2.94
growth rate 11.0% 9.0% -17.4% -38.1% 81.3% -59.6%
EPS 0.81
0.97
-0.40
0.53
2.57
2.76
2.26
1.46
2.64
growth rate 19.8% -100.0% 100.0% 120.2% 7.4% -18.1% -35.4% 80.8%
Gross Profit 37.81
34.97
34.27
36.08
31.74
growth rate -7.5% -2.0% 5.3% -12.0%

Quarterly Statements

Item Name Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Earnings BIT
growth rate
Balance Sheet Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Acct.Payable 722.76
705.26
716.98
780.29
725.53
growth rate -2.4% 1.7% 8.8% -7.0%
Cur.Assets 29.27
18.31
20.07
18.71
18.13
growth rate -37.5% 9.6% -6.7% -3.1%
Total Assets 884.08
916.74
944.43
969.12
926.90
growth rate 3.7% 3.0% 2.6% -4.4%
Cash 23.69
18.31
20.07
18.71
18.13
growth rate -22.7% 9.6% -6.7% -3.1%
Inventory 0.14
growth rate
Cur.Liabilities 776.14
747.48
777.53
837.93
804.87
growth rate -3.7% 4.0% 7.8% -4.0%
Liabilities 802.90
838.83
866.48
891.24
847.48
growth rate 4.5% 3.3% 2.9% -4.9%
LT Debt 21.25
82.21
80.61
44.02
34.47
growth rate 286.9% -1.9% -45.4% -21.7%
Equity 81.19
77.90
77.95
77.88
79.42
growth rate -4.1% 0.1% -0.1% 2.0%
Common Shares 3.80
77.90
77.95
77.88
79.42
growth rate 1,950.1% 0.1% -0.1% 2.0%
Cash Flow Statement Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Capital Expenditures
growth rate
Cash Dividends
growth rate
Cash From OA
growth rate
Sale Purchase of Stock
growth rate
FCF
growth rate
Income Statement Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Sales 9.30
8.63
8.20
9.91
6.06
growth rate -7.3% -5.0% 20.8% -38.8%
Op.Income 2.25
1.28
1.17
2.82
-1.49
growth rate -43.2% -8.3% 140.8% -100.0%
IBT 2.21
1.28
1.17
2.82
-1.49
growth rate -42.2% -8.3% 140.8% -100.0%
Net Income 1.72
1.18
1.06
2.70
-1.24
growth rate -31.2% -10.3% 154.5% -100.0%
Gross Profit 9.30
8.63
8.20
9.91
6.06
growth rate -7.3% -5.0% 20.8% -38.8%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

F (3.99)

YOY Growth Grade:

F (0.01)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 27.53 27.48
EPS / Growth -69.8% 1.07

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 0.2%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 0.2% 0.6% 0.6%
Future PE 0.01 0.59 0.59
Future EPS 1.09 1.13 1.13
Value Price
MOS %
0.00
-100.0%
0.16
-99.4%
0.16
-99.4%
MOS Price 0.00 0.08 0.08
IRT 26.84 25.44 25.44

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

The functionality you are trying to reach is available to registered users only.

Login to your account or Register Now if you are not registered yet. Registration is FREE and will take only a minute.

Risk / Reward Ratios

The functionality you are trying to reach is available to registered users only.

Login to your account or Register Now if you are not registered yet. Registration is FREE and will take only a minute.