Filing Flows › Norwood Financial (NWFL) › Q3 2026 › vs Q2 2026
Norwood Financial (NWFL) Q3 2026 vs Q2 2026 (quarter over quarter)
Norwood Financial's revenue rose $1.6M (+5%) from $29.4M in Q2 2026 to $30.9M in Q3 2026. Operating margin 49.4% against 39.6% (+9.8 pts).
Norwood Financial, Q3 2026: revenue $30.9M (+35% year over year), operating margin 49.4%, net earnings $11.8M, operating cash flow $18.5M. The chart draws each line against Q2 2026, the increases inside each band.
Margins
| Q3 2026 | Q2 2026 | Change | |
|---|---|---|---|
| Operating margin | 49.4% | 39.6% | +9.8 pts |
| Net margin | 38.0% | 31.8% | +6.3 pts |
| Free cash flow margin | 58.7% | 28.6% | +30.1 pts |
Every line
| Line | Q3 2026 | Q2 2026 | Change | % |
|---|---|---|---|---|
| Revenue | $30.9M | $29.4M | $1.6M | +5% |
| Operating profit | $15.3M | $11.6M | $3.6M | +31% |
| Costs & expenses | $15.7M | $17.7M | −$2.1M | -12% |
| Pre-tax earnings | $15.3M | $11.6M | $3.6M | +31% |
| Credit loss provision | $100K | $1.9M | −$1.8M | -95% |
| Noninterest expense | $15.6M | $15.8M | −$240K | -2% |
| Net earnings | $11.8M | $9.3M | $2.4M | +26% |
| Income tax | $3.5M | $2.3M | $1.2M | +53% |
| Working capital & other | $6.7M | −$422K | $7.1M | — |
| Operating cash flow | $18.5M | $8.9M | $9.6M | +108% |
| Free cash flow (OCF − capex) | $18.2M | $8.4M | $9.8M | +116% |
| Capital expenditures | $315K | $498K | −$183K | -37% |
Questions
How much did Norwood Financial's revenue grow quarter over quarter in Q3 2026?
Norwood Financial's revenue rose $1.6M (+5%) from $29.4M in Q2 2026 to $30.9M in Q3 2026. Operating margin 49.4% against 39.6% (+9.8 pts).