Core Insights - Norwood Financial Corporation (NWFL) reported significant improvements in its financial performance for Q4 and FY 2025, indicating a recovery from previous losses [1]. Financial Performance - The company experienced a notable turnaround in its financial results compared to the previous year, suggesting a positive trend in its operations [1].

According to Donnelly, the transaction grew Norwood’s asset base by 20% and expanded its footprint with four branches in Southeast and South Central Pennsylvania. He said the combination also enhanced the company’s talent base with additional employees and strengthened Norwood’s ability to serve a range of customer needs, from small business financing to homeowner borrowing and consumer digital tools.Donnelly described the company’s “biggest achievement” in 2025 as announcing and preparing for the acquisiti ...

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PresentationKristen LanciaVP & Marketing Manager Thank you, Michelle. Good morning, everyone. Welcome to our Q4 2025 earnings conference call. With me today are Jim Donnelly, CEO; and John McCaffery, CFO. The press release we issued earlier this morning, together with the presentation materials that accompanies our remarks, are available on the Investor Relations section of our web page. Comments made by any participant on today's call may include forward-looking statements. These statements are subject to ...

Norwood Financial Corp. (NWFL) came out with quarterly earnings of $0.84 per share, missing the Zacks Consensus Estimate of $0.85 per share. This compares to earnings of $0.38 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of -0.59%. A quarter ago, it was expected that this company would post earnings of $0.68 per share when it actually produced earnings of $0.94, delivering a surprise of +38.24%.Over the last four quarters, the ...

Financial Data and Key Metrics Changes - The company reported a 62% increase in net interest income compared to Q4 2024, driven by a 62 basis point expansion in net interest spread [3][4] - Net income and earnings per share more than doubled on an adjusted basis, with improved returns on average assets and tangible equity [3][4] - Unadjusted pre-provision net revenue decreased by 2% on a linked quarter basis, primarily due to higher expenses [12] Business Line Data and Key Metrics Changes - Non-interest income for the year increased, with significant growth coming from fees on loans and deposit products [12] - Quarterly expenses rose by 1.5% year-over-year and 5% on a linked quarter basis, attributed to lower loan volumes and elevated incentive accruals [12] Market Data and Key Metrics Changes - The acquisition of Presence Bank resulted in a 20% increase in the asset base and the addition of four branches in key regions [4] - The company is focused on integrating Presence Bank's operations and enhancing brand recognition across the new combined entity [6] Company Strategy and Development Direction - The company has established four strategic priorities for 2026, including the successful integration of Presence Bank, increasing operational efficiency through AI, strengthening the talent pool, and enhancing shareholder value [5][10] - The integration will involve unifying systems and practices, adopting best-in-class policies, and leveraging AI tools to improve customer experience [6][7] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about the company's performance in 2025 and the potential for continued growth in 2026, supported by a larger asset base and expanded geographic coverage [16] - The focus remains on maintaining a strong financial position and actively growing assets through deposits and strategic M&A opportunities [10] Other Important Information - The company welcomed new executives and board members as part of its growth strategy following the acquisition [8][9] - Management emphasized the importance of community engagement and delivering financial solutions alongside an outstanding customer experience [8] Q&A Session Summary - No questions were raised during the Q&A session, and the call concluded with management expressing satisfaction with the company's accomplishments and optimism for the future [15][17]

Norwood Financial (NasdaqGM:NWFL) Q4 2025 Earnings call January 22, 2026 09:00 AM ET Company ParticipantsJohn McCaffery - EVP and CFOKristen Lancia - VP and Marketing ManagerJames F. Donnelly - President and CEOKristen LanciaThank you, Michelle. Good morning, everyone. Welcome to our Q4 2025 earnings conference call. With me today are Jim Donnelly, CEO, and John McCaffery, CFO. The press release we issued earlier this morning, together with the presentation material that accompanies our remarks, is availabl ...

Norwood Financial (NasdaqGM:NWFL) Q4 2025 Earnings call January 22, 2026 09:00 AM ET Speaker2Thank you, Michelle. Good morning, everyone. Welcome to our Q4 2025 earnings conference call. With me today are Jim Donnelly, CEO, and John McCaffrey, CFO. The press release we issued earlier this morning, together with the presentation material that accompanies our remarks, is available on the Investor Relations section of our web page. Comments made by any participant on today's call may include forward-looking st ...

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Q4 2025 Earnings Presentation J a n u a r y 2 2 , 2 0 2 6 Forward-looking Statements and Additional Information members of its board of directors and senior management teams. Investors and security holders are cautioned that such statements are predictions, and are not guarantees of future performance. Actual events or results may differ materially. Expected financial results or other plans are subject to a number of known and unknown risks, uncertainties and assumptions that are difficult to assess and are ...