Filing Flows › Norwood Financial (NWFL) › Q1 2026
Norwood Financial (NWFL) Q1 2026 earnings results (first quarter 2026)
10-Q filed May 8, 2026
Norwood Financial (NWFL) reported revenue of $27.3M for the first quarter 2026 (Q1 2026), +35% from a year earlier and +16% from the quarter before. Operating margin was 17.7%, net earnings $3.7M (13.7% of revenue).
Norwood Financial, Q1 2026: revenue $27.3M (+35% year over year), operating margin 17.7%, net earnings $3.7M, operating cash flow $6.0M. The chart follows the revenue to costs, profit and cash.
| Q1 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $27.3M | +16% | +35% |
| Operating profit | $4.8M | -49% | -34% |
| Net earnings | $3.7M | -50% | -35% |
| Operating cash flow | $6.0M | -32% | -34% |
| Free cash flow | $5.5M | -28% | -32% |
What changed
Revenue was $27.3M in Q1 2026, up 35% year over year and up 16% from the previous quarter.
Operating profit was $4.8M, a 17.7% margin (down 18.4 points year over year). Operating profit fell $2.5M even though revenue rose $7.1M versus Q1 2025, so costs grew faster than sales. Total costs grew 74% against revenue growth of 35%. The fastest-growing cost line was Noninterest expense (+74%). Net earnings were $3.7M, down 35% year over year. The effective tax rate was 22.6%.
Operating cash flow was $6.0M (down 34% year over year), 161% of net earnings. Working capital and other items added $2.3M. Capital expenditures of $455K left free cash flow of $5.5M.
Questions
What was Norwood Financial's revenue in the first quarter 2026?
Norwood Financial (NWFL) reported revenue of $27.3M for the first quarter 2026 (Q1 2026), +35% from a year earlier and +16% from the quarter before.
Was Norwood Financial profitable in the first quarter 2026?
Operating profit was $4.8M (17.7% of revenue) and net earnings $3.7M.
Source: Norwood Financial 10-Q on SEC EDGAR.