Filing Flows › Norwood Financial (NWFL) › Q1 2025
Norwood Financial (NWFL) Q1 2025 earnings results (first quarter 2025)
10-Q filed May 9, 2025
Norwood Financial (NWFL) reported revenue of $20.2M for the first quarter 2025 (Q1 2025), +21% from a year earlier and +945% from the quarter before. Operating margin was 36.1%, net earnings $5.8M (28.6% of revenue).
Norwood Financial, Q1 2025: revenue $20.2M (+21% year over year), operating margin 36.1%, net earnings $5.8M, operating cash flow $9.1M. The chart follows the revenue to costs, profit and cash.
| Q1 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $20.2M | +945% | +21% |
| Operating profit | $7.3M | — | +30% |
| Net earnings | $5.8M | — | +30% |
| Operating cash flow | $9.1M | +89% | +114% |
| Free cash flow | $8.2M | +145% | +121% |
What changed
Revenue was $20.2M in Q1 2025, up 21% year over year and up 945% from the previous quarter.
Operating profit was $7.3M, a 36.1% margin (up 2.5 points year over year). Of the extra revenue versus a year earlier, 48% reached operating profit, above the 34% margin then. Total costs grew 16% against revenue growth of 21%. Net earnings were $5.8M, up 30% year over year. The effective tax rate was 20.8%.
Operating cash flow was $9.1M (up 114% year over year), 158% of net earnings. Working capital and other items added $3.3M. Capital expenditures of $932K left free cash flow of $8.2M.
Questions
What was Norwood Financial's revenue in the first quarter 2025?
Norwood Financial (NWFL) reported revenue of $20.2M for the first quarter 2025 (Q1 2025), +21% from a year earlier and +945% from the quarter before.
Was Norwood Financial profitable in the first quarter 2025?
Operating profit was $7.3M (36.1% of revenue) and net earnings $5.8M.
Source: Norwood Financial 10-Q on SEC EDGAR.