Filing Flows › Norwood Financial (NWFL) › Q2 2026
Norwood Financial (NWFL) Q2 2026 earnings results (second quarter 2026)
10-Q filed Aug 7, 2026
Norwood Financial (NWFL) reported revenue of $29.4M for the second quarter 2026 (Q2 2026), +38% from a year earlier and +8% from the quarter before. Operating margin was 39.6%, net earnings $9.3M (31.8% of revenue).
Norwood Financial, Q2 2026: revenue $29.4M (+38% year over year), operating margin 39.6%, net earnings $9.3M, operating cash flow $8.9M. The chart follows the revenue to costs, profit and cash.
| Q2 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $29.4M | +8% | +38% |
| Operating profit | $11.6M | +141% | +48% |
| Net earnings | $9.3M | +150% | +50% |
| Operating cash flow | $8.9M | +49% | +32% |
| Free cash flow | $8.4M | +52% | +66% |
What changed
Revenue was $29.4M in Q2 2026, up 38% year over year and up 8% from the previous quarter.
Operating profit was $11.6M, a 39.6% margin (up 2.9 points year over year). Of the extra revenue versus Q2 2025, 47% reached operating profit, above the 37% margin then. Total costs grew 32% against revenue growth of 38%. The fastest-growing cost line was Credit loss provision (+105%). Net earnings were $9.3M, up 50% year over year. The effective tax rate was 19.8%.
Operating cash flow was $8.9M (up 32% year over year), 95% of net earnings. Capital expenditures of $498K left free cash flow of $8.4M.
Questions
What was Norwood Financial's revenue in the second quarter 2026?
Norwood Financial (NWFL) reported revenue of $29.4M for the second quarter 2026 (Q2 2026), +38% from a year earlier and +8% from the quarter before.
Was Norwood Financial profitable in the second quarter 2026?
Operating profit was $11.6M (39.6% of revenue) and net earnings $9.3M.
Source: Norwood Financial 10-Q on SEC EDGAR.