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Norwood Financial NWFL Q3 2025 earnings

Reported October 22, 2025 · Before market open

Revenue$23.0MBeat by $763.0K
EPS$0.94Beat by $0.24
Revenue estimate$22.2M
EPS estimate$0.71

Next report

Oct 28, 2026 (in 3 months)
Revenue estimate$30.1M
EPS estimate$0.95

Financials

Q3 2025

Income statement

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Revenue$23.0M+26.0%
Net income$8.3M+117%
EPS (diluted)$0.89+85.4%

Balance sheet

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Cash & equivalents$74.7M-9.8%
Total equity$234.9M+20.1%
Total assets$2.4B+5.8%

Cash flow

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Operating cash flow$9.3M+101%
CapEx$1.0M+81.0%
Free cash flow$8.3M+104%

Valuation & ratios

Valuation

as of 09/30/25
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Market cap$235.43M+5.9%
P/E30.7×+13.4×
P/S3.7×+0.5×

Profitability

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Net margin11.9%-6.6pp
FCF margin38.6%+6.7pp

Returns & leverage

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Return on equity3.6%-3.6pp

Segments

By product

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Debit Card$634.0K+7.5%
Overdraft Fees$399.0K+9.9%
Fiduciary Activities$254.0K-0.8%
Financial Service Other$193.0K+22.2%
Commissions On Mutual Funds And Annuities$188.0K+43.5%

FAQ

When did Norwood Financial report Q3 2025 earnings?
Norwood Financial (NWFL) reported Q3 2025 earnings on October 22, 2025 before market open.
What were Norwood Financial's Q3 2025 revenue and EPS?
Norwood Financial reported revenue of $23.0M and eps of $0.94 for Q3 2025.
Did Norwood Financial beat estimates in Q3 2025?
Revenue beat the consensus estimate of $22.2M by $763.0K. EPS beat the consensus estimate of $0.70 by $0.23.
How did Norwood Financial's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 25.4% from $30.8M a year earlier and eps grew 95.8% from $0.48.
Where can I find Norwood Financial's Q3 2025 SEC filings?
You can read the 8-K earnings release (0001193125-25-245860) and the 10-Q periodic report (0001013272-25-000004) directly on SEC EDGAR. The filing index links above go to sec.gov.