Earnings summaries and quarterly performance for NORWOOD FINANCIAL.
Executive leadership at NORWOOD FINANCIAL.
JO
James O. Donnelly
Detailed
President and Chief Executive Officer
CEO
JF
John F. Carmody
Detailed
Executive Vice President and Chief Credit Officer
JM
John M. McCaffery
Detailed
Executive Vice President, Chief Financial Officer and Secretary
VG
Vincent G. O’Bell
Detailed
Executive Vice President and Chief Lending Officer
Board of directors at NORWOOD FINANCIAL.
AK
Alexandra K. Nolan
Detailed
Director
DA
Dr. Andrew A. Forte
Detailed
Chairman of the Board
DK
Dr. Kenneth A. Phillips
Detailed
Director
JS
James Shook
Detailed
Director
JS
Jeffrey S. Gifford
Detailed
Director
KM
Kevin M. Lamont
Detailed
Vice Chairman of the Board
MS
Marissa S. Nacinovich
Detailed
Director
ML
Meg L. Hungerford
Detailed
Director
RA
Ralph A. Matergia
Detailed
Director
RR
Ronald R. Schmalzle
Detailed
Director
Research analysts who have asked questions during NORWOOD FINANCIAL earnings calls.
Recent press releases and 8-K filings for NWFL.
NWFL Reports Strong 2025 Results and Outlines 2026 Strategic Priorities
NWFL
Earnings
M&A
New Projects/Investments
- NWFL concluded 2025 with strong results, reporting that net income and earnings per share more than doubled on an adjusted basis, and net interest income increased 62% compared to the fourth quarter of 2024, driven by a 62 basis point expansion in net interest spread and a balance sheet repositioning in December 2024.
- The company successfully closed the Presence Bank acquisition on January 5th, 2026, which expanded its asset base by 20% and added four branches in the Southeast and South Central Pennsylvania region.
- Key strategic priorities for 2026 include the integration of Presence Bank, leveraging AI tools for operational efficiency and customer experience, strengthening the talent pool with new executive and board appointments, and growing assets while maintaining a reliable and growing dividend for shareholders.
- For Q4 2025, net interest income increased by $500,000 on a linked quarter basis, although the margin slightly dropped; the quarter also included $520,000 in merger charges and a 2% decrease in unadjusted pre-provision net revenue on a linked quarter basis.
Jan 22, 2026, 2:00 PM
Norwood Financial Corp. Reports Strong 2025 Results and Completes Presence Bank Acquisition
NWFL
Earnings
M&A
Management Change
- Norwood Financial Corp. (NWFL) reported a strong 2025, with net interest income increasing 62% compared to the fourth quarter of 2024, and net income and earnings per share more than doubling on an adjusted basis.
- The company successfully closed the Presence Bank acquisition on January 5th, which grew its asset base by 20% and added four branches in Southeast and South Central Pennsylvania.
- For Q4 2025, net interest income increased by $500,000 on a linked quarter basis, although the margin dropped three basis points due to loan growth and seasonal municipal deposit outflow.
- Strategic priorities for 2026 include the successful integration of Presence Bank, leveraging advanced AI tools for operational efficiency, strengthening the talent pool, and increasing shareholder value through asset growth and a reliable dividend.
- The company announced several key leadership additions, including Janak Amin as Chief Operating Officer, Larry Witt as Chief Information Officer, and Joseph Carroll and Spencer Andress to the Board of Directors.
Jan 22, 2026, 2:00 PM
Norwood Financial Corp. Reports Strong Q4 2025 Results and Completes Presence Bank Acquisition
NWFL
Earnings
M&A
New Projects/Investments
- Norwood Financial Corp. reported strong Q4 2025 results, with net interest income increasing 62% compared to Q4 2024 and net income and earnings per share more than doubling on an adjusted basis.
- The company successfully closed the Presence Bank acquisition on January 5th, which grew its asset base by 20% and added four branches in Southeast and South Central Pennsylvania.
- Strategic priorities for 2026 include the successful integration of Presence Bank, increasing operational efficiency through the adoption of AI tools, strengthening the talent pool, and enhancing shareholder value through asset growth and a reliable, growing dividend.
- Credit metrics improved year over year, with non-performing loans as a percentage of total loans decreasing and reserves to non-performing assets increasing.
Jan 22, 2026, 2:00 PM
NWFL Reports Strong Q4 2025 Financial Results and Strategic Growth
NWFL
Earnings
M&A
Dividends
- NWFL delivered strong Q4 2025 financial results, with Adjusted Net Income of $7.4M, a 139% increase year-over-year, and Adjusted Diluted EPS of $0.85, up 124% year-over-year.
- The company's Net Interest Income for Q4 2025 was $20.9M, increasing 26% year-over-year, and the Net Interest Margin (fte) improved by 56 basis points to 3.60%.
- As of Q4 2025, NWFL maintained a strong financial position with Total Assets of $2.4B, Total Gross Loans of $1.9B, and Total Deposits of $2.1B.
- The Presence Bank acquisition in 2025 expanded NWFL's geographic presence and asset base, contributing to its performance and positioning the company for continued momentum into 2026.
- NWFL has a consistent history of rewarding shareholders, with a record of 32 consecutive years of increasing cash dividends.
Jan 22, 2026, 2:00 PM
Norwood Financial Corp Announces Fourth Quarter and Full Year 2025 Results
NWFL
Earnings
M&A
- Norwood Financial Corp reported full year 2025 fully diluted EPS of $3.01 and net income of $27.755 million.
- The company achieved full year loan growth of 8.2% and deposit growth of 11.8% in 2025.
- Tangible book value per share increased 15.4% to $22.90.
- The net interest margin for the full year increased 58 basis points over the prior year.
- Norwood Financial Corp closed on the acquisition of Presence Bank on January 5, 2026, which is expected to expand its geographic presence and asset base.
Jan 22, 2026, 1:44 PM
Norwood Financial Corp Announces Fourth Quarter and Full Year 2025 Results
NWFL
Earnings
M&A
- For the full year 2025, Norwood Financial Corp reported fully diluted EPS of $3.01 and adjusted diluted EPS of $3.11.
- Net income for the full year 2025 was $27.755 million , with fourth quarter net income of $7.4 million.
- The company achieved full year loan growth of 8.2% to $1.853 billion and deposit growth of 11.8% to $2.079 billion in 2025.
- Tangible book value per share increased 15.4% to $22.90 at year-end 2025.
- The net interest margin in the fourth quarter was 3.60% , and the full year net interest margin increased 58 basis points over the prior year.
Jan 22, 2026, 1:15 PM
Norwood Financial Corp Completes Acquisition of PB Bankshares, Inc.
NWFL
M&A
Management Change
Board Change
- Norwood Financial Corp completed its acquisition of PB Bankshares, Inc. and its wholly-owned subsidiary, Presence Bank, effective January 5, 2026.
- The merger consideration for PB Bankshares shareholders was either $19.75 in cash or 0.7850 shares of Norwood common stock per share, with approximately 87% of PB Bankshares shares electing Norwood common stock.
- The combined company now has approximately $2.9 billion in assets and 33 office locations, expanding Norwood's market footprint into Chester and Lancaster Counties in Pennsylvania.
- Janak M. Amin, former President and CEO of PB Bankshares, was appointed Executive Vice President and Chief Operating Officer of Norwood and Wayne Bank, effective January 5, 2026, with an annual base salary of $400,000.
- Joseph W. Carroll and Spencer J. Andress, former directors of PB Bankshares, were appointed to the boards of directors of Norwood and Wayne Bank.
Jan 5, 2026, 2:00 PM
Norwood Financial Corp Declares Cash Dividend
NWFL
Dividends
- Norwood Financial Corp (NWFL) declared a cash dividend of $0.32 per share, payable on February 2, 2026, to shareholders of record as of January 15, 2026.
- This dividend represents a $0.01 increase over the per share dividend declared in the fourth quarter of 2024.
- As of September 30, 2025, the company reported total assets of $2.412 billion, loans outstanding of $1.815 billion, total deposits of $2.074 billion, and total capital of $234.9 million.
Dec 17, 2025, 1:15 PM
Norwood Financial Corp receives regulatory approvals for PB Bankshares acquisition
NWFL
M&A
- Norwood Financial Corp (NWFL) announced on December 12, 2025, that it has received final regulatory approvals for its proposed acquisition of PB Bankshares, Inc. and its wholly owned subsidiary, Presence Bank.
- The acquisition is anticipated to close on or about January 5, 2026, subject to the satisfaction of customary closing conditions and the expiration of any applicable waiting periods.
- The merger is expected to enable Norwood Financial Corp to offer expanded products and services to communities in its market areas.
Dec 12, 2025, 6:12 PM
Norwood Financial Receives Regulatory Approvals for PB Bankshares Acquisition
NWFL
M&A
- Norwood Financial Corp (NWFL) has received final regulatory approvals for its proposed acquisition of PB Bankshares, Inc.
- PB Bankshares' shareholders approved the merger on December 11, 2025.
- The acquisition is anticipated to close on or about January 5, 2026, subject to customary closing conditions.
- The merger is expected to allow for expanded products and services in their market areas.
Dec 12, 2025, 1:15 PM
Quarterly earnings call transcripts for NORWOOD FINANCIAL.
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