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Norwood Financial
Norwood Financial (NWFL) investor relations material
Norwood Financial Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary22 Jan, 2026
Executive summary
Ended 2025 with strong momentum, driven by customer focus, portfolio repositioning, and the successful Presence Bank acquisition, which expanded geographic reach and asset base.
Net income for Q4 2025 reached $7.4 million, with full year net income at $27.8 million, up from a loss in the prior year.
Adjusted net income and EPS more than doubled year-over-year; full year diluted EPS was $3.01, and tangible book value per share rose 15.4% to $22.90.
Presence Bank acquisition closed January 5, 2026, increasing asset base by 20% and adding four branches in Pennsylvania.
Strategic priorities for 2026 include integration, operational efficiency, talent development, and enhancing shareholder value.
Financial highlights
Net interest income for the year was $78.3 million, up from $62.2 million year-over-year; Q4 net interest income rose 62% year-over-year.
Net interest margin increased 58 basis points to 3.49% for the year and 3.60% for Q4.
Loans receivable grew 8.2% to $1.85 billion; deposits increased 11.8% to $2.08 billion.
Non-interest income for the year increased, mainly from loan and deposit product fees, service charges, and fiduciary income.
Quarterly expenses up 1.5% year-over-year and 5% sequentially, driven by lower loan volume deferrals and stock vesting.
Outlook and guidance
Integration of Presence Bank and adoption of advanced AI tools expected to drive operational efficiency and support continued momentum into 2026.
Focus on asset growth, deposit management, and strategic M&A to maintain a strong financial position.
Continued commitment to returning cash to shareholders through a reliable and growing dividend.
Management expressed optimism for 2026, citing disciplined growth and the recent acquisition.
Forward-looking statements caution about risks from interest rates, credit quality, and economic conditions.
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Next Norwood Financial earnings date
Q1 202621 Apr, 2026
Norwood Financial
Next Norwood Financial earnings date
Q1 202621 Apr, 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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