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Norwood Financial (Norwood Financial) Net Margin % : 2.03% (As of Dec. 2023)


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What is Norwood Financial Net Margin %?

Net margin is calculated as Net Income divided by its Revenue. Norwood Financial's Net Income for the three months ended in Dec. 2023 was $0.35 Mil. Norwood Financial's Revenue for the three months ended in Dec. 2023 was $17.42 Mil. Therefore, Norwood Financial's net margin for the quarter that ended in Dec. 2023 was 2.03%.

The historical rank and industry rank for Norwood Financial's Net Margin % or its related term are showing as below:

NWFL' s Net Margin % Range Over the Past 10 Years
Min: 19.6   Med: 25.85   Max: 37.32
Current: 23.88


NWFL's Net Margin % is ranked worse than
55.49% of 1458 companies
in the Banks industry
Industry Median: 25.41 vs NWFL: 23.88

Norwood Financial Net Margin % Historical Data

The historical data trend for Norwood Financial's Net Margin % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Norwood Financial Net Margin % Chart

Norwood Financial Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Net Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 31.32 25.89 33.82 37.32 23.88

Norwood Financial Quarterly Data
Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24
Net Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 32.11 37.32 23.75 2.03 26.52

Competitive Comparison of Norwood Financial's Net Margin %

For the Banks - Regional subindustry, Norwood Financial's Net Margin %, along with its competitors' market caps and Net Margin % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Norwood Financial's Net Margin % Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Norwood Financial's Net Margin % distribution charts can be found below:

* The bar in red indicates where Norwood Financial's Net Margin % falls into.



Norwood Financial Net Margin % Calculation

Net margin - also known as net profit margin is the ratio of Net Income divided by net sales or Revenue, usually presented in percent.

Norwood Financial's Net Margin for the fiscal year that ended in Dec. 2023 is calculated as

Net Margin=Net Income (A: Dec. 2023 )/Revenue (A: Dec. 2023 )
=16.759/70.191
=23.88 %

Norwood Financial's Net Margin for the quarter that ended in Dec. 2023 is calculated as

Net Margin=Net Income (Q: Dec. 2023 )/Revenue (Q: Dec. 2023 )
=0.354/17.416
=2.03 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


Norwood Financial  (NAS:NWFL) Net Margin % Explanation

Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.

But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.


Norwood Financial Net Margin % Related Terms

Thank you for viewing the detailed overview of Norwood Financial's Net Margin % provided by GuruFocus.com. Please click on the following links to see related term pages.


Norwood Financial (Norwood Financial) Business Description

Traded in Other Exchanges
N/A
Address
717 Main Street, P.O. Box 269, Honesdale, PA, USA, 18431
Norwood Financial Corp is a U.S.-based bank holding company. It offers various personal and business credit services, trust and investment products, and real estate settlement services to consumers, businesses, nonprofit organizations, and municipalities in each of the communities that the bank serves. The bank also manages automated teller machines at its branch location. It serves the Pennsylvanian counties of Wayne, Pike, Monroe, and Lackawanna, as well as Susquehanna County.
Executives
Andrew Forte director 717 MAIN STREET, HONESDALE PA 18431
James O Donnelly officer: President & CEO 717 MAIN ST, HONESDALE PA 18431
Jeffrey S Gifford director GIFFORD JEFFREY S, 717 MAIN STREET, HONESDALE PA 18431
Joseph W Adams director 717 MAIN STREET, HONESDALE PA 18431
William S Lance officer: EVP & CFO 717 MAIN STREET, HONESDALE PA 18431
John F Carmody officer: EVP & Chief Credit Officer 717 MAIN STREET, HONESDALE PA 18431
Lewis J Critelli director, officer: President & CEO P O BOX 269, 717 MAIN ST, HONESDALE PA 18431
Alexandra K Nolan director NOLAN ALEXANDRA K, 717 MAIN STREET, HONESDALE PA 18431
Robert J Mancuso officer: EVP & Chief Credit Officer 717 MAIN STREET, HONESDALE PA 18431
Vincent O'bell officer: See Remarks 717 MAIN STREET, HONESDALE PA 18431
Davis William W Jr director, officer: Chairman of the Board P O BOX 269, 717 MAIN ST, HONESDALE PA 18431
Kenneth A Phillips director P O BOX 269, 717 MAIN ST, HONESDALE PA 18431
John H Sanders officer: Senior Vice President P O BOX 269, 717 MAIN ST, HONESDALE PA 18431
Susan Campfield director 717 MAIN STREET, HONESDALE PA 18431
Meg L Hungerford director 717 MAIN STREET, HONESDALE PA 18431

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