Norwood FinancialNWFL +0.44%59 Pretax Margin % is 17.68% as of Mar. 2026, which is 51% below its 10-year median of 36.09. GuruFocus rates NWFL with a GF Score™ of 59/100 and a GF Value™ of $32.81 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,530 Banks companies, Norwood Financial ranks worse than 51.57% on this metric.
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Norwood Financial Pretax Margin % Related Terms
Norwood Financial Pretax Margin % Historical Data
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The historical data trend for Norwood Financial's Pretax 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.
NWFL vs TSBK, CZFS, BCML: Pretax Margin % Comparison
For the Banks - Regional subindustry, Norwood Financial's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Norwood Financial's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Norwood Financial's Pretax 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 Pretax Margin % of 17.68% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Norwood Financial and its competitors. This is 51% below median its historical median of 36.09. According to the industry distribution chart, Norwood Financial ranks #789 out of 1530 companies in the Banks industry, placing it in the top 51.6%.
Is Norwood Financial's Pretax Margin % too high?
Norwood Financial's current Pretax Margin % of 17.68% is 51% below median its 10-year median of 36.09. The Banks industry median Pretax Margin % is 34.72. Norwood Financial's value of 17.68% is 49.1% below this industry median. Based on the distribution chart, Norwood Financial ranks #789 out of 1530 companies in the Banks industry, which is below 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 Pretax Margin % compare to TSBK and CZFS?
According to the Banks industry distribution chart, Norwood Financial ranks #789 out of 1530 companies for Pretax Margin %. This places Norwood Financial in the lower half of its industry. The industry median Pretax Margin % is 34.72. Norwood Financial's value of 17.68% is 49.1% below this benchmark. While the company's 10-year median is 36.09 vs. the industry median of 34.72, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.72, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Norwood Financial's current Pretax Margin % of 17.68% is 49.1% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Norwood Financial and its competitors. For the Banks industry, the median Pretax Margin % is 34.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Norwood Financial's current Pretax Margin % is 17.68%, which is 51% below median its own 10-year median of 36.09. 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 $32.81, compared to a current price of $32.21 — trading 1.8% below its estimated fair value. The current Pretax Margin % is 17.68%, which is 51% below median its 10-year median of 36.09 and 49.1% below the Banks industry median of 34.72. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Norwood Financial (NWFL), the current Pretax Margin % is 17.68% 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 $32.21 is trading 1.8% below its estimated GF Value™ of $32.81.
GuruFocus considers Norwood Financial to be Fairly Valued.
Key valuation signals for NWFL:
Pretax Margin %: 17.68% (51% below median its 10-year median of 36.09)
GF Value™: $32.81 vs. price of $32.21 (1.8% below fair value)
Industry Position: 49.1% below the Banks median (#789 of 1530)
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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