Norwood Financial (NWFL) Operating Margin: History & Chart

Norwood Financial Corp.(NWFL)

Banks - Regional · Honesdale, PA

$34.17+0.41 (+1.22%)

Delayed quote: Oct 6, 2026, 1:49 PM EDT

About Norwood Financial Corp.

Norwood Financial Corp. functions as the holding entity for Wayne Bank, delivering a comprehensive suite of financial products and services. The institution facilitates a broad array of deposit options, encompassing both interest-bearing and non-interest-bearing checking accounts, alongside statement savings, money market accounts, and certificates of deposit. Its lending portfolio is extensive, featuring commercial loans such as credit lines, revolving credit facilities, term loans, business mortgages, secured lending products, and letters of credit. Norwood also extends financing for municipal projects, construction loans for both commercial developments and single-family homes, and land acquisition loans. Consumer credit and residential mortgage financing for primary and secondary residences are also key offerings. Furthermore, the company engages in indirect dealer financing for automobiles, boats, and recreational vehicles through dealerships. Beyond traditional banking, Norwood provides investment securities services, trust management, and a variety of contemporary cash management solutions. These include direct deposit, remote and mobile deposit capture, mobile payment processing, automated clearing house (ACH) transactions, real estate settlement support, and robust internet and mobile banking platforms. The corporation also diversifies its revenue through the sale of annuities and mutual funds, discount brokerage services, and an insurance agency operation. Catering to a wide client base, Norwood serves individual consumers, corporate entities, non-profit organizations, and local governments. Its operational footprint includes fourteen branch locations throughout Northeastern Pennsylvania and sixteen branches spanning Delaware, Sullivan, Ontario, Otsego, and Yates Counties in New York, supported by thirty-one automated teller machines. Established in 1870, Norwood Financial Corp. maintains its corporate headquarters in Honesdale, Pennsylvania.

Honesdale, PA

275 employees

wayne.bank

Financial Services / Banks - Regional

Sector: Financial Services
Industry: Banks - Regional
CEO: James O. Donnelly

View full financials

NWFL Operating Margin Metrics

OPERATING MARGIN

25.49%

OPERATING MARGIN AVG TTM

24.79%

OPERATING MARGIN AVG 3Y

21.11%

OPERATING MARGIN AVG 5Y

28.70%

OPERATING MARGIN AVG 10Y

29.75%

OPERATING MARGIN AVG 15Y

30.84%

OPERATING MARGIN AVG 20Y

30.70%

CURRENT VS TTM AVG

+2.83%

CURRENT VS 3Y AVG

+20.77%

CURRENT VS 5Y AVG

-11.18%

CURRENT VS 10Y AVG

-14.33%

CURRENT VS 15Y AVG

-17.34%

CURRENT VS 20Y AVG

-16.98%

SECTOR MEDIAN · FINANCIAL SERVICES

16.02%

median of 694 covered companies

CURRENT VS SECTOR MEDIAN

+59.06%

vs the sector median at left

NAME	MARKET CAP	OPERATING MARGIN	TTM	3Y	5Y
Norwood Financial Corp. (NWFL)	$372.14M	25.49%	24.79%	21.11%	28.70%
Northeast Community Bancorp, Inc. (NECB)vs ›	$374.26M	39.45%	40.36%	43.98%	39.48%
Siddhi Acquisition Corp (SDHI)vs ›	$374.60M	0.00%	0.00%	0.00%	0.00%
GSR V Acquisition Corp. (GSRV)vs ›	$368.74M	N/A	N/A	N/A	N/A
Oportun Financial Corporation (OPRT)vs ›	$377.32M	5.83%	-7.33%	-20.02%	-13.99%
The First Bancorp, Inc. (FNLC)vs ›	$378.87M	23.76%	21.66%	27.82%	31.78%
Titan Acquisition Corp. (TACH)vs ›	$363.29M	0.00%	0.00%	0.00%	0.00%
Silvia, Inc. (SVIA)vs ›	$381.30M	N/A	N/A	N/A	N/A
OTG Acquisition Corp. I Class A Ordinary Share (OTGA)vs ›	$362.01M	0.00%	0.00%	0.00%	0.00%
Value Line, Inc. (VALU)vs ›	$383.47M	10.83%	14.55%	20.60%	21.28%

NAME

MARKET CAP

OPERATING MARGIN

TTM

Norwood Financial Corp. (NWFL)

$372.14M

25.49%

24.79%

21.11%

28.70%

Northeast Community Bancorp, Inc. (NECB)vs ›

$374.26M

39.45%

40.36%

43.98%

39.48%

Siddhi Acquisition Corp (SDHI)vs ›

$374.60M

0.00%

GSR V Acquisition Corp. (GSRV)vs ›

$368.74M

N/A

Oportun Financial Corporation (OPRT)vs ›

$377.32M

5.83%

-7.33%

-20.02%

-13.99%

The First Bancorp, Inc. (FNLC)vs ›

$378.87M

23.76%

21.66%

27.82%

31.78%

Titan Acquisition Corp. (TACH)vs ›

$363.29M

0.00%

Silvia, Inc. (SVIA)vs ›

$381.30M

N/A

OTG Acquisition Corp. I Class A Ordinary Share (OTGA)vs ›

$362.01M

0.00%

Value Line, Inc. (VALU)vs ›

$383.47M

10.83%

14.55%

20.60%

21.28%

Operating Margin FAQ

What is the operating margin for Norwood Financial Corp. (NWFL)?

The operating margin for NWFL stock is 25.49%.

Is Norwood Financial Corp.'s operating margin high or low?

The operating margin of 25.49% is 11% below its 5-year average of 28.70%, near the high end of its 5-year range (-135.78%–46.38%).

What is the TTM average operating margin for Norwood Financial Corp. (NWFL)?

The TTM average operating margin for NWFL stock is 24.79%.

What is the 3Y average operating margin for Norwood Financial Corp. (NWFL)?

The 3Y average operating margin for NWFL stock is 21.11%.

What is the 5Y average operating margin for Norwood Financial Corp. (NWFL)?

The 5Y average operating margin for NWFL stock is 28.70%.

What is the 10Y average operating margin for Norwood Financial Corp. (NWFL)?

The 10Y average operating margin for NWFL stock is 29.75%.

What is the 15Y average operating margin for Norwood Financial Corp. (NWFL)?

The 15Y average operating margin for NWFL stock is 30.84%.

What is the 20Y average operating margin for Norwood Financial Corp. (NWFL)?

The 20Y average operating margin for NWFL stock is 30.70%.

DATE	OPERATING MARGIN
2026-06-30	27.05%
2026-03-31	15.46%
2025-12-31	27.66%
2025-09-30	30.35%
2025-06-30	23.41%
2025-03-31	22.47%
2024-12-31	-135.78%
2024-09-30	15.76%
2024-06-30	17.88%
2024-03-31	19.38%
2023-12-31	1.60%
2023-09-30	19.34%
2023-06-30	32.92%
2023-03-31	30.77%
2022-12-31	38.45%
2022-09-30	46.38%
2022-06-30	41.84%
2022-03-31	43.42%
2021-12-31	40.38%
2021-09-30	42.68%
2021-06-30	36.78%
2021-03-31	35.31%
2020-12-31	33.68%
2020-09-30	31.85%
2020-06-30	14.10%
2020-03-31	26.33%
2019-12-31	31.00%
2019-09-30	33.58%
2019-06-30	30.98%
2019-03-31	28.75%
2018-12-31	29.98%
2018-09-30	34.72%
2018-06-30	34.49%
2018-03-31	31.59%
2017-12-31	36.79%
2017-09-30	33.09%
2017-06-30	31.87%
2017-03-31	26.42%
2016-12-31	26.70%
2016-09-30	8.46%
2016-06-30	28.25%
2016-03-31	30.19%
2015-12-31	-2.05%
2015-09-30	29.38%
2015-06-30	32.36%
2015-03-31	33.21%
2014-12-31	24.50%
2014-09-30	35.01%
2014-06-30	32.39%
2014-03-31	32.99%
2013-12-31	35.58%
2013-09-30	34.84%
2013-06-30	29.31%
2013-03-31	32.20%
2012-12-31	28.71%
2012-09-30	33.18%
2012-06-30	35.79%
2012-03-31	34.29%
2011-12-31	32.54%
2011-09-30	32.64%
2011-06-30	25.55%
2011-03-31	30.90%
2010-12-31	32.29%
2010-09-30	34.89%
2010-06-30	34.11%
2010-03-31	32.82%
2009-12-31	22.55%
2009-09-30	32.09%
2009-06-30	31.13%
2009-03-31	30.89%
2008-12-31	28.77%
2008-09-30	28.11%
2008-06-30	31.00%
2008-03-31	30.32%
2007-12-31	27.57%
2007-09-30	30.20%
2007-06-30	27.66%
2007-03-31	26.01%
2006-12-31	29.65%
2006-09-30	29.45%
2006-06-30	29.05%
2006-03-31	28.06%
2005-12-31	30.77%
2005-09-30	32.76%
2005-06-30	30.66%
2005-03-31	29.51%
2004-12-31	33.95%
2004-09-30	32.20%
2004-06-30	28.62%
2004-03-31	29.35%
2003-12-31	29.78%
2003-09-30	28.38%
2003-06-30	26.66%
2003-03-31	26.41%
2002-12-31	26.54%
2002-09-30	25.94%

DATE

OPERATING MARGIN

2026-06-30

27.05%

2026-03-31

15.46%

2025-12-31

27.66%

2025-09-30

30.35%

2025-06-30

23.41%

2025-03-31

22.47%

2024-12-31

-135.78%

2024-09-30

15.76%

2024-06-30

17.88%

2024-03-31

19.38%

2023-12-31

1.60%

2023-09-30

19.34%

2023-06-30

32.92%

2023-03-31

30.77%

2022-12-31

38.45%

2022-09-30

46.38%

2022-06-30

41.84%

2022-03-31

43.42%

2021-12-31

40.38%

2021-09-30

42.68%

2021-06-30

36.78%

2021-03-31

35.31%

2020-12-31

33.68%

2020-09-30

31.85%

2020-06-30

14.10%

2020-03-31

26.33%

2019-12-31

31.00%

2019-09-30

33.58%

2019-06-30

30.98%

2019-03-31

28.75%

2018-12-31

29.98%

2018-09-30

34.72%

2018-06-30

34.49%

2018-03-31

31.59%

2017-12-31

36.79%

2017-09-30

33.09%

2017-06-30

31.87%

2017-03-31

26.42%

2016-12-31

26.70%

2016-09-30

8.46%

2016-06-30

28.25%

2016-03-31

30.19%

2015-12-31

-2.05%

2015-09-30

29.38%

2015-06-30

32.36%

2015-03-31

33.21%

2014-12-31

24.50%

2014-09-30

35.01%

2014-06-30

32.39%

2014-03-31

32.99%

2013-12-31

35.58%

2013-09-30

34.84%

2013-06-30

29.31%

2013-03-31

32.20%

2012-12-31

28.71%

2012-09-30

33.18%

2012-06-30

35.79%

2012-03-31

34.29%

2011-12-31

32.54%

2011-09-30

32.64%

2011-06-30

25.55%

2011-03-31

30.90%

2010-12-31

32.29%

2010-09-30

34.89%

2010-06-30

34.11%

2010-03-31

32.82%

2009-12-31

22.55%

2009-09-30

32.09%

2009-06-30

31.13%

2009-03-31

30.89%

2008-12-31

28.77%

2008-09-30

28.11%

2008-06-30

31.00%

2008-03-31

30.32%

2007-12-31

27.57%

2007-09-30

30.20%

2007-06-30

27.66%

2007-03-31

26.01%

2006-12-31

29.65%

2006-09-30

29.45%

2006-06-30

29.05%

2006-03-31

28.06%

2005-12-31

30.77%

2005-09-30

32.76%

2005-06-30

30.66%

2005-03-31

29.51%

2004-12-31

33.95%

2004-09-30

32.20%

2004-06-30

28.62%

2004-03-31

29.35%

2003-12-31

29.78%

2003-09-30

28.38%

2003-06-30

26.66%

2003-03-31

26.41%

2002-12-31

26.54%

2002-09-30

25.94%

Operating Margin: 25.49%

NWFL Operating Margin

NWFL Average Operating Margin Chart

NWFL Current vs Average Operating Margin Chart

NWFL Operating Margin Metrics

NWFL Competitors' Operating Margin

Operating Efficiency

Operating Margin Formula & Definition

Operating Margin FAQ

NWFL Operating Margin History

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