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Citizens Financial Services vs Norwood Financial: CZFS and NWFL compared
Citizens Financial Services is the larger company: $31.6M of revenue in its latest quarter (Q3 2026) against $30.9M for Norwood Financial (Q3 2026). Norwood Financial is growing faster (+35% against +9% a year earlier). Norwood Financial is more profitable, with an operating margin of 49.4% against 46.1%.
Where the money goes: CZFS and NWFL
Citizens Financial Services (CZFS) · Q3 2026
Citizens Financial Services, Q3 2026: revenue $31.6M (+9% year over year), operating margin 46.1%, net earnings $11.9M, operating cash flow $5.3M. The chart follows the revenue to costs, profit and cash.
Norwood Financial (NWFL) · Q3 2026
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.
| Citizens Financial Services (CZFS) | Norwood Financial (NWFL) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $31.6M | $30.9M |
| Revenue growth, Y/Y | +9% | +35% |
| Operating margin | 46.1% | 49.4% |
| Net earnings | $11.9M | $11.8M |
| Net margin | 37.8% | 38.0% |
| Operating cash flow | $5.3M | $18.5M |
| Free cash flow | $5.0M | $18.2M |
Where the revenue comes from
Citizens Financial Services
- Net interest income: $27.3M (86%)
- Noninterest income: $4.3M (14%)
Questions
Which is bigger, Citizens Financial Services or Norwood Financial?
Citizens Financial Services is the larger company: $31.6M of revenue in its latest quarter (Q3 2026) against $30.9M for Norwood Financial (Q3 2026).
Is Citizens Financial Services or Norwood Financial growing faster?
Norwood Financial is growing faster (+35% against +9% a year earlier).
Which is more profitable, Citizens Financial Services or Norwood Financial?
Norwood Financial is more profitable, with an operating margin of 49.4% against 46.1%.
More: Citizens Financial Services earnings · how Citizens Financial Services makes money · Norwood Financial earnings · how Norwood Financial makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 5, 2026; 10-Q filed Nov 6, 2026). Fiscal quarters can end on different dates. Not investment advice.