Northway Financial Past Earnings Performance
Past criteria checks 1/6
Northway Financial's earnings have been declining at an average annual rate of -4.8%, while the Banks industry saw earnings growing at 7% annually. Revenues have been growing at an average rate of 0.3% per year. Northway Financial's return on equity is 5.9%, and it has net margins of 12.9%.
Key information
-4.8%
Earnings growth rate
-5.0%
EPS growth rate
| Banks Industry Growth | 11.2% |
| Revenue growth rate | 0.3% |
| Return on equity | 5.9% |
| Net Margin | 12.9% |
| Last Earnings Update | 30 Sep 2024 |
Recent past performance updates
No updates
Recent updates
Revenue & Expenses Breakdown
How Northway Financial makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 30 Sep 24 | 36 | 5 | 23 | 0 |
| 30 Jun 24 | 36 | 5 | 23 | 0 |
| 31 Mar 24 | 38 | 6 | 23 | 0 |
| 31 Dec 23 | 38 | 6 | 23 | 0 |
| 30 Sep 23 | 42 | 9 | 24 | 0 |
| 30 Jun 23 | 40 | 7 | 24 | 0 |
| 31 Mar 23 | 37 | 4 | 24 | 0 |
| 31 Dec 22 | 35 | 3 | 24 | 0 |
| 30 Sep 22 | 34 | 2 | 23 | 0 |
| 30 Jun 22 | 36 | 4 | 23 | 0 |
| 31 Mar 22 | 39 | 7 | 23 | 0 |
| 31 Dec 21 | 41 | 9 | 23 | 0 |
| 30 Sep 21 | 40 | 8 | 23 | 0 |
| 30 Jun 21 | 40 | 8 | 23 | 0 |
| 31 Mar 21 | 40 | 9 | 23 | 0 |
| 31 Dec 20 | 36 | 5 | 23 | 0 |
| 30 Sep 20 | 35 | 4 | 0 | 0 |
| 30 Jun 20 | 35 | 5 | 0 | 0 |
| 31 Mar 20 | 35 | 5 | 0 | 0 |
| 31 Dec 19 | 40 | 9 | 22 | 0 |
| 30 Sep 19 | 37 | 6 | 22 | 0 |
| 30 Jun 19 | 37 | 7 | 22 | 0 |
| 31 Mar 19 | 36 | 6 | 22 | 0 |
| 31 Dec 18 | 32 | 3 | 22 | 0 |
| 30 Sep 18 | 36 | 7 | 20 | 0 |
| 30 Jun 18 | 35 | 6 | 20 | 0 |
| 31 Mar 18 | 36 | 7 | 0 | 0 |
| 31 Dec 17 | 36 | 7 | 20 | 0 |
| 30 Sep 17 | 35 | 5 | 21 | 0 |
| 30 Jun 17 | 35 | 5 | 21 | 0 |
| 31 Mar 17 | 35 | 4 | 21 | 0 |
| 31 Dec 16 | 34 | 4 | 18 | 0 |
| 30 Sep 16 | 35 | 6 | 19 | 0 |
| 30 Jun 16 | 34 | 6 | 19 | 0 |
| 31 Mar 16 | 34 | 6 | 19 | 0 |
| 31 Dec 15 | 35 | 6 | 18 | 0 |
| 30 Sep 15 | 36 | 7 | 19 | 0 |
| 30 Jun 15 | 37 | 8 | 19 | 0 |
| 31 Mar 15 | 38 | 8 | 19 | 0 |
| 31 Dec 14 | 38 | 8 | 19 | 0 |
| 30 Sep 14 | 37 | 7 | 20 | 0 |
| 30 Jun 14 | 37 | 6 | 20 | 0 |
| 31 Mar 14 | 37 | 6 | 20 | 0 |
| 31 Dec 13 | 37 | 7 | 20 | 0 |
Quality Earnings: NWYF has high quality earnings.
Growing Profit Margin: NWYF's current net profit margins (12.9%) are lower than last year (20.4%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: NWYF's earnings have declined by 4.8% per year over the past 5 years.
Accelerating Growth: NWYF's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: NWYF had negative earnings growth (-45.8%) over the past year, making it difficult to compare to the Banks industry average (-11.8%).
Return on Equity
High ROE: NWYF's Return on Equity (5.9%) is considered low.