Filing Flows › Norwood Financial (NWFL) › Q3 2026
Norwood Financial (NWFL) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 6, 2026
Norwood Financial (NWFL) reported revenue of $30.9M for the third quarter 2026 (Q3 2026), +35% from a year earlier and +5% from the quarter before. Operating margin was 49.4%, net earnings $11.8M (38.0% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $30.9M | +5% | +35% |
| Operating profit | $15.3M | +31% | +45% |
| Net earnings | $11.8M | +26% | +41% |
| Operating cash flow | $18.5M | +108% | +98% |
| Free cash flow | $18.2M | +116% | +119% |
What changed
Revenue was $30.9M in Q3 2026, up 35% year over year and up 5% from the previous quarter.
Operating profit was $15.3M, a 49.4% margin (up 3.5 points year over year). Of the extra revenue versus Q3 2025, 60% reached operating profit, above the 46% margin then. Total costs grew 26% against revenue growth of 35%. Net earnings were $11.8M, up 41% year over year. The effective tax rate was 23.0%.
Operating cash flow was $18.5M (up 98% year over year), 157% of net earnings. Working capital and other items added $6.7M. Capital expenditures of $315K left free cash flow of $18.2M.
Questions
What was Norwood Financial's revenue in the third quarter 2026?
Norwood Financial (NWFL) reported revenue of $30.9M for the third quarter 2026 (Q3 2026), +35% from a year earlier and +5% from the quarter before.
Was Norwood Financial profitable in the third quarter 2026?
Operating profit was $15.3M (49.4% of revenue) and net earnings $11.8M.
Source: Norwood Financial 10-Q on SEC EDGAR.