Norwood FinancialNWFL -1.13%59 Net Margin % is 13.68% as of Mar. 2026, which is 52% below its 10-year median of 28.49. GuruFocus rates NWFL with a GF Score™ of 59/100 and a GF Value™ of $32.80 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,526 Banks companies, Norwood Financial ranks better than 50.85% on this metric.
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: -0.31 Med: 28.49 Max: 37.32
Current: 27.06
NWFL's Net Margin % is ranked better than 50.85% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs NWFL: 27.06
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
Norwood Financial Net Margin % Historical Data
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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.
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 Net Margin % vs 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.
* 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 (NWFL) has a Net Margin % of 13.68% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Norwood Financial and its competitors. This is 52% below median its historical median of 28.49. According to the industry distribution chart, Norwood Financial ranks #750 out of 1526 companies in the Banks industry, placing it in the top 49.1%.
Is Norwood Financial's Net Margin % too high?
Norwood Financial's current Net Margin % of 13.68% is 52% below median its 10-year median of 28.49. The Banks industry median Net Margin % is 26.97. Norwood Financial's value of 13.68% is 49.3% below this industry median. Based on the distribution chart, Norwood Financial ranks #750 out of 1526 companies in the Banks industry, which is above the industry midpoint. Overall, Norwood Financial has a GF Score™ of 59/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Norwood Financial's Net Margin % compare to FNLC and CHMG?
According to the Banks industry distribution chart, Norwood Financial ranks #750 out of 1526 companies for Net Margin %. This puts Norwood Financial in the upper half of its industry. The industry median Net Margin % is 26.97. Norwood Financial's value of 13.68% is 49.3% below this benchmark. While the company's 10-year median is 28.49 vs. the industry median of 26.97, Norwood Financial has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Norwood Financial's current Net Margin % of 13.68% is 49.3% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Norwood Financial and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Norwood Financial's current Net Margin % is 13.68%, which is 52% below median its own 10-year median of 28.49. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Norwood Financial stock overvalued right now?
Based on GuruFocus' analysis, Norwood Financial (NWFL) is currently considered Fairly Valued. The stock's GF Value™ is $32.80, compared to a current price of $30.65 — trading 6.6% below its estimated fair value. The current Net Margin % is 13.68%, which is 52% below median its 10-year median of 28.49 and 49.3% below the Banks industry median of 26.97. Norwood Financial's overall GF Score™ is 59/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Norwood Financial (NWFL), the current Net Margin % is 13.68% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Norwood Financial (NWFL) Overvalued in 2026?
Based on GuruFocus' analysis, Norwood Financial stock appears to be undervalued.
The current stock price of $30.65 is trading 6.6% below its estimated GF Value™ of $32.80.
GuruFocus considers Norwood Financial to be Fairly Valued.
Key valuation signals for NWFL:
Net Margin %: 13.68% (52% below median its 10-year median of 28.49)
GF Value™: $32.80 vs. price of $30.65 (6.6% below fair value)
Industry Position: 49.3% below the Banks median (#750 of 1526)
No single metric tells the full story. See the NWFL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
59GF Score
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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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