Filing Flows › Norwood Financial (NWFL) › Q2 2025
Norwood Financial (NWFL) Q2 2025 earnings results (second quarter 2025)
10-Q filed Aug 8, 2025
Norwood Financial (NWFL) reported revenue of $21.3M for the second quarter 2025 (Q2 2025), +24% from a year earlier and +5% from the quarter before. Operating margin was 36.7%, net earnings $6.2M (29.1% of revenue).
Norwood Financial, Q2 2025: revenue $21.3M (+24% year over year), operating margin 36.7%, net earnings $6.2M, operating cash flow $6.8M. The chart follows the revenue to costs, profit and cash.
| Q2 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $21.3M | +5% | +24% |
| Operating profit | $7.8M | +7% | +47% |
| Net earnings | $6.2M | +7% | +47% |
| Operating cash flow | $6.8M | -26% | -26% |
| Free cash flow | $5.1M | -38% | -41% |
What changed
Revenue was $21.3M in Q2 2025, up 24% year over year and up 5% from the previous quarter.
Operating profit was $7.8M, a 36.7% margin (up 5.6 points year over year). Of the extra revenue versus a year earlier, 60% reached operating profit, above the 31% margin then. Total costs grew 14% against revenue growth of 24%. The fastest-growing cost line was Credit loss provision (+174%). Net earnings were $6.2M, up 47% year over year. The effective tax rate was 20.8%.
Operating cash flow was $6.8M (down 26% year over year), 109% of net earnings. Working capital and other items added $550K. Capital expenditures of $1.7M left free cash flow of $5.1M.
Questions
What was Norwood Financial's revenue in the second quarter 2025?
Norwood Financial (NWFL) reported revenue of $21.3M for the second quarter 2025 (Q2 2025), +24% from a year earlier and +5% from the quarter before.
Was Norwood Financial profitable in the second quarter 2025?
Operating profit was $7.8M (36.7% of revenue) and net earnings $6.2M.
Source: Norwood Financial 10-Q on SEC EDGAR.