Filing Flows › Norwood Financial (NWFL) › Q3 2025
Norwood Financial (NWFL) Q3 2025 earnings results (third quarter 2025)
10-Q filed Nov 7, 2025
Norwood Financial (NWFL) reported revenue of $23.0M for the third quarter 2025 (Q3 2025), +26% from a year earlier and +8% from the quarter before. Operating margin was 45.9%, net earnings $8.3M (36.3% of revenue).
Norwood Financial, Q3 2025: revenue $23.0M (+26% year over year), operating margin 45.9%, net earnings $8.3M, operating cash flow $9.3M. The chart follows the revenue to costs, profit and cash.
| Q3 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $23.0M | +8% | +26% |
| Operating profit | $10.5M | +34% | +117% |
| Net earnings | $8.3M | +34% | +117% |
| Operating cash flow | $9.3M | +38% | +101% |
| Free cash flow | $8.3M | +63% | +104% |
What changed
Revenue was $23.0M in Q3 2025, up 26% year over year and up 8% from the previous quarter.
Operating profit was $10.5M, a 45.9% margin (up 19.3 points year over year). Of the extra revenue versus a year earlier, 120% reached operating profit, above the 27% margin then. Total costs fell 7% while revenue rose 26%. Net earnings were $8.3M, up 117% year over year. The effective tax rate was 20.9%.
Operating cash flow was $9.3M (up 101% year over year), 112% of net earnings. Working capital and other items added $1.0M. Capital expenditures of $1.0M left free cash flow of $8.3M.
Questions
What was Norwood Financial's revenue in the third quarter 2025?
Norwood Financial (NWFL) reported revenue of $23.0M for the third quarter 2025 (Q3 2025), +26% from a year earlier and +8% from the quarter before.
Was Norwood Financial profitable in the third quarter 2025?
Operating profit was $10.5M (45.9% of revenue) and net earnings $8.3M.
Source: Norwood Financial 10-Q on SEC EDGAR.