Norwood Financial Corp. (NWFL) Earnings History
Steady Earner31 years of earnings data (1995–2025) · Positive but moderate multi-year EPS trajectory
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Norwood Financial Corp. (NWFL) Earnings Overview
As of July 8, 2026, Norwood Financial Corp. (NWFL) reported trailing twelve-month net income of $26M, reflecting +15250.0% year-over-year growth. The company earned $2.81 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 ($15M net income, 16.0% margin), NBTB ($184M net income, 19.5% margin), FXNC ($21M 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% |
| 2015 | $6M | -22.8% | $8M | $1.07 | 18.2% | 23.2% |
| 2014 | $8M | -9.5% | $10M | $1.40 | 23.3% | 31.2% |
| 2013 | $8M | +0.7% | $11M | $1.55 | 25.0% | 33.0% |
| 2012 | $8M | +14.2% | $11M | $1.55 | 24.3% | 33.0% |
| 2011 | $7M | +0.6% | $10M | $1.45 | 22.6% | 30.6% |
| 2010 | $7M | +3.5% | $10M | $1.60 | 24.6% | 33.5% |
| 2009 | $7M | +5.8% | $9M | $1.55 | 21.9% | 29.0% |
| 2008 | $7M | +2.5% | $10M | $1.46 | 20.7% | 29.6% |
| 2007 | $7M | +10.2% | $9M | $1.39 | 19.9% | 27.9% |
| 2006 | $6M | +7.5% | $9M | $1.25 | 20.0% | 29.1% |
| 2005 | $5M | +9.7% | $8M | $1.11 | 21.7% | 31.0% |
| 2004 | $5M | +7.7% | $7M | $1.07 | 22.2% | 31.1% |
| 2003 | $5M | +6.9% | $6M | $1.01 | 20.4% | 27.8% |
| 2002 | $4M | +3.6% | $6M | $0.97 | 17.7% | 24.3% |
| 2001 | $4M | +8.9% | $6M | $0.95 | 15.8% | 21.8% |
| 2000 | $4M | +10.3% | $5M | $0.59 | 14.6% | 20.3% |
| 1999 | $4M | +9.4% | $5M | $0.80 | 15.1% | 21.6% |
| 1998 | $3M | +18.5% | $5M | $0.73 | 14.6% | 21.0% |
| 1997 | $3M | +44.2% | $4M | $0.60 | 12.4% | 17.4% |
| 1996 | $2M | +3.9% | $2M | $0.43 | 16.1% | 20.1% |
| 1995 | $2M | - | $2M | $0.39 | 21.1% | 28.7% |
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NWFL — Frequently Asked Questions
Quick answers to the most common questions about buying NWFL stock.
What is NWFL earnings per share (EPS)?
NWFL trailing twelve-month (TTM) diluted EPS is $2.81, reflecting +15250.0% year-over-year growth. The 5-year EPS CAGR is +7.7%. Complete EPS history from 1995 to 2025 is available in the table on this page.
What is Norwood Financial Corp.'s net income?
Norwood Financial Corp. (NWFL) trailing twelve-month net income is $26M as of 2025. Earnings grew +15250.0% year-over-year.
Is NWFL profitable?
Yes, NWFL is profitable with a TTM net income of $26M and a net profit margin of +20.4%.
What is NWFL's earnings growth rate?
NWFL compound annual EPS growth rates (CAGR): 1-Year: N/A, 3-Year: -5.4%, 5-Year: +7.7%, 10-Year: +11.0%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1995 to 2025.
What are NWFL's profit margins?
Norwood Financial Corp. net profit margin is +20.4%, operating margin is +26.1%, and gross margin is +63.6%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +12.2%.
Is NWFL growing earnings?
Yes, NWFL earnings are accelerating — EPS growth of +15250.0% exceeds the 5-year CAGR of +7.7%. TTM net income reached $26M. Earnings momentum is strengthening.
What was NWFL's best earnings year?
Norwood Financial Corp.'s highest annual net income on record is $29M, achieved in fiscal year 2022. Earnings history on this page spans 1995 to 2025 and includes all annual and quarterly figures.
What were NWFL's earnings last quarter?
NWFL's most recent reported quarter was Q1 2026. Net income was $4M with diluted EPS of $0.41. For a full breakdown of all quarters, see the quarterly earnings table on this page.