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Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
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Norwood Financial (NWFL) investor relations material
Norwood Financial Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary23 Jul, 2025
Executive summary
Net income for Q2 2025 was $6.2M, up $2.0M from Q2 2024, driven by higher net interest income and partially offset by increased provision for credit losses and higher operating expenses.
Earnings per share for Q2 2025 were $0.67, up 29% from $0.52 in Q2 2024; annualized ROA was 1.06% and return on tangible equity reached 12.83%.
For the six months ended June 30, 2025, net income was $12.0M, up from $8.6M in the prior year period, with EPS of $1.30 versus $1.07.
Net interest margin improved 63 bps year-over-year to 3.43%, and net interest income grew by $4.1M to $19.1M.
Loans and deposits saw robust growth, with loans up 9.1% and deposits up 10.3% year-over-year.
Financial highlights
Total assets reached $2.37B as of June 30, 2025, up from $2.32B at year-end 2024, mainly due to a $77M increase in gross loans.
Noninterest income for Q2 2025 was $2.2M, slightly up from Q2 2024, and non-interest income for the first half of 2025 increased 9.2% year-over-year.
Other expenses rose to $12.5M in Q2 2025, up $1.1M year-over-year, mainly due to higher salaries, data processing, and occupancy costs.
Tangible book value per share rose to $21.17 from $18.88 year-over-year.
Efficiency ratio improved to 58.7% from 66.7% in Q2 2024.
Outlook and guidance
Management expects continued momentum into the second half of 2025, citing improved yields and strong business line performance.
Management expects continued pressure from interest rate volatility, inflation, and economic uncertainty, which may impact credit losses and fair value of financial instruments.
Forward-looking statements note risks from interest rates, credit quality, and economic conditions.
The company believes its liquidity and capital positions are adequate to support ongoing operations and growth.
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Next Norwood Financial earnings date
Q3 202522 Oct, 2025
Next Norwood Financial earnings date
Q3 202522 Oct, 2025
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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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