Filing Flows › Norwood Financial (NWFL) › Q3 2026 › vs Q3 2025
Norwood Financial (NWFL) Q3 2026 vs Q3 2025 (year over year)
Norwood Financial's revenue rose $8.0M (+35%) from $23.0M in Q3 2025 to $30.9M in Q3 2026. Operating margin 49.4% against 45.9% (+3.5 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 Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 49.4% | 45.9% | +3.5 pts |
| Net margin | 38.0% | 36.3% | +1.7 pts |
| Free cash flow margin | 58.7% | 36.2% | +22.6 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Revenue | $30.9M | $23.0M | $8.0M | +35% |
| Operating profit | $15.3M | $10.5M | $4.7M | +45% |
| Costs & expenses | $15.7M | $12.4M | $3.2M | +26% |
| Pre-tax earnings | $15.3M | $10.5M | $4.7M | +45% |
| Credit loss provision | $100K | −$502K | $602K | — |
| Noninterest expense | $15.6M | $12.9M | $2.6M | +20% |
| Net earnings | $11.8M | $8.3M | $3.4M | +41% |
| Income tax | $3.5M | $2.2M | $1.3M | +60% |
| Working capital & other | $6.7M | $1.0M | $5.7M | +569% |
| Operating cash flow | $18.5M | $9.3M | $9.1M | +98% |
| Free cash flow (OCF − capex) | $18.2M | $8.3M | $9.9M | +119% |
| Capital expenditures | $315K | $1.0M | −$722K | -70% |
Questions
How much did Norwood Financial's revenue grow year over year in Q3 2026?
Norwood Financial's revenue rose $8.0M (+35%) from $23.0M in Q3 2025 to $30.9M in Q3 2026. Operating margin 49.4% against 45.9% (+3.5 pts).