Filing Flows › Norwood Financial (NWFL) › Q4 2025
Norwood Financial (NWFL) Q4 2025 earnings results (fourth quarter 2025)
10-K filed Mar 13, 2026
Norwood Financial (NWFL) reported revenue of $23.5M for the fourth quarter 2025 (Q4 2025), up 12-fold from a year earlier and +2% from the quarter before. Operating margin was 39.9%, net earnings $7.4M (31.7% of revenue).
Norwood Financial, Q4 2025: revenue $23.5M (12× year over year), operating margin 39.9%, net earnings $7.4M, operating cash flow $8.8M. The chart follows the revenue to costs, profit and cash.
| Q4 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $23.5M | +2% | 12× |
| Operating profit | $9.4M | -11% | — |
| Net earnings | $7.4M | -11% | — |
| Operating cash flow | $8.8M | -6% | +83% |
| Free cash flow | $7.7M | -7% | +131% |
What changed
Revenue was $23.5M in Q4 2025, up 1113% year over year and up 2% from the previous quarter.
Operating profit was $9.4M, a 39.9% margin (up 870.6 points year over year). Total costs fell 22% while revenue rose 1113%. Net earnings were $7.4M. The effective tax rate was 20.6%.
Operating cash flow was $8.8M (up 83% year over year), 118% of net earnings. Working capital and other items added $1.3M. Capital expenditures of $1.1M left free cash flow of $7.7M.
Questions
What was Norwood Financial's revenue in the fourth quarter 2025?
Norwood Financial (NWFL) reported revenue of $23.5M for the fourth quarter 2025 (Q4 2025), up 12-fold from a year earlier and +2% from the quarter before.
Was Norwood Financial profitable in the fourth quarter 2025?
Operating profit was $9.4M (39.9% of revenue) and net earnings $7.4M.
Source: Norwood Financial 10-K on SEC EDGAR.