Norwood Financial Corp. (NWFL) Earnings History
Annual and quarterly earnings data from 1995 to 2025
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NWFL EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
NWFL Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 63.6% | 26.1% | 20.4% |
| 2024 | 47.7% | -0.3% | -0.2% |
| 2023 | 62.4% | 20.4% | 16.2% |
| 2022 | 90.5% | 42.5% | 34.2% |
| 2021 | 87.5% | 38.9% | 31.4% |
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Norwood Financial Corp. (NWFL) Earnings Overview
As of May 8, 2026, Norwood Financial Corp. (NWFL) reported trailing twelve-month net income of $28M, reflecting +15250.0% year-over-year growth. The company earned $3.03 per diluted share over the past four quarters, with a net profit margin of 20.4%.
Looking at the long-term picture, NWFL's 5-year EPS compound annual growth rate (CAGR) stands at +7.7%, showing solid earnings momentum. The company achieved its highest annual net income of $29M in fiscal 2022.
Norwood Financial Corp. maintains industry-leading profitability with a gross margin of 63.6%, operating margin of 26.1%, and net margin of 20.4%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including CZWI ($14M net income, 16.0% margin), NBTB ($169M net income, 19.5% margin), FXNC ($18M net income, 15.8% margin), NWFL has outperformed on profitability metrics. Compare NWFL vs CZWI →
NWFL Earnings vs Peers
Earnings metrics vs comparable public companies
NWFL Historical Earnings Data (1995–2025)
31 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $28M | +17446.3% | $35M | $3.03 | 20.4% | 26.1% |
| 2024 | $-160,000 | -101.0% | $-258,000 | $-0.02 | -0.2% | -0.3% |
| 2023 | $17M | -42.7% | $21M | $2.07 | 16.2% | 20.4% |
| 2022 | $29M | +17.3% | $36M | $3.58 | 34.2% | 42.5% |
| 2021 | $25M | +65.2% | $31M | $3.04 | 31.4% | 38.9% |
| 2020 | $15M | +6.1% | $18M | $2.09 | 22.8% | 27.7% |
| 2019 | $14M | +4.1% | $17M | $2.24 | 26.3% | 31.1% |
| 2018 | $14M | +66.5% | $16M | $2.17 | 27.5% | 32.7% |
| 2017 | $8M | +22.2% | $15M | $1.31 | 17.9% | 32.1% |
| 2016 | $7M | +13.6% | $9M | $1.15 | 17.9% | 23.0% |
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Start ComparisonNWFL — Frequently Asked Questions
Quick answers to the most common questions about buying NWFL stock.
Is NWFL growing earnings?
NWFL EPS is $3.03, with earnings growth accelerating to +15250.0%. This exceeds the 5-year CAGR of +7.7%. TTM net income reached $28M.
What are NWFL's profit margins?
Norwood Financial Corp. net margin is +20.4%, with operating margin at +26.1%. Above-average margins indicate pricing power.
How consistent are NWFL's earnings?
NWFL earnings data spans 1995-2025. The accelerating earnings trend is +15250.0% YoY. Historical data enables comparison across business cycles.