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Norwood Financial (NWFL) investor relations material
Norwood Financial Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary22 Oct, 2025
Executive summary
Q3 2025 delivered strong results with net income of $8.3 million, EPS up 85% to $0.89, and robust asset, loan, and deposit growth, supported by improved margins and credit quality.
Strategic bond portfolio repositioning and a completed capital raise in late 2024 enhanced financial strength and supported growth.
Leadership transition completed with new directors and Vice Chairman, and a full rebranding initiative consolidated multiple brands.
Merger with PB Bankshares (Presence Bank) is pending regulatory and shareholder approval, with filings submitted and no significant concerns noted.
Franchise operates 29 offices across PA and NY, with $2.4 billion in total assets and a strong community banking focus.
Financial highlights
Net interest income for Q3 2025 was $20.5 million, up $4.5 million year-over-year, with net interest margin (tax-equivalent) at 3.63%, up 64 bps.
Adjusted net income reached $8.8 million, up 56% year-over-year; adjusted diluted EPS was $0.94, up 96% year-over-year.
Loans receivable grew to $1.815 billion, up 8.3% year-over-year; deposits totaled $2.074 billion, up 11.8%.
Allowance for credit losses was $19.9 million (1.10% of loans), with non-performing loans at $6.6 million (0.36% of total loans), both improved year-over-year.
Efficiency ratio improved to 56.3% from 66.0% in Q3 2024.
Outlook and guidance
Management expects continued robust growth, improved margins, and strong credit quality, with the PB Bankshares merger expected to close in Q4 2025 or Q1 2026.
Deposit costs are expected to decline with anticipated Fed rate cuts, and organic growth and fee income expansion remain priorities.
Next steps for Presence Bank merger close
What drives path to 4% NIM?
Sustainability of wealth/trust fee income
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Next Norwood Financial earnings date
Q4 202529 Jan, 2026
Next Norwood Financial earnings date
Q4 202529 Jan, 2026
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Frequently asked questions
Norwood Financial Corp. is the bank holding company for Wayne Bank, which operates primarily in Northeastern Pennsylvania and parts of New York State. The company offers a broad range of financial services, including traditional banking products such as deposit accounts, commercial and consumer loans, and mortgage lending. Additionally, Norwood Financial provides services like investment management, trust and wealth management, and various electronic banking solutions. Their customer base includes individual consumers, businesses, nonprofit organizations, and municipalities. The company is headquartered in Honesdale, Pennsylvania, and its shares are listed on the NASDAQ.
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