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Norwood Financial ( (NWFL) ) has issued an announcement.
On January 22, 2026, Norwood Financial Corp reported its fourth-quarter and full-year 2025 results, highlighting a year of improved profitability and balance sheet growth. For 2025, the company delivered fully diluted earnings per share of $3.01, an increase in net interest margin of 58 basis points, loan growth of 8.2%, deposit growth of 11.8%, a 10% rise in non-interest-bearing demand deposits, and a 15.4% increase in tangible book value per share. Fourth-quarter net income rebounded strongly from a loss a year earlier, and returns on assets and tangible equity improved sharply, signaling a recovery from prior-period pressures. Management emphasized disciplined growth, operational efficiency and momentum entering 2026, underpinned by the January 5, 2026 closing of the Presence Bank acquisition, which expands the bank’s geographic reach, asset base and talent pool and is expected to strengthen its competitive position and long-term value proposition for customers and shareholders.
The most recent analyst rating on (NWFL) stock is a Hold with a $30.00 price target. To see the full list of analyst forecasts on Norwood Financial stock, see the NWFL Stock Forecast page.
Spark’s Take on NWFL Stock
According to Spark, TipRanks’ AI Analyst, NWFL is a Neutral.
The score reflects solid cash-flow strength and improving leverage, reinforced by a positive earnings narrative (better margin/credit metrics) and favorable corporate developments (acquisition completion, dividend increase). Offsetting these are weak near-term technical momentum and a high P/E that raises valuation risk.
To see Spark’s full report on NWFL stock, click here.
More about Norwood Financial
Norwood Financial Corp, headquartered in Honesdale, Pennsylvania, is a Nasdaq-listed bank holding company whose primary subsidiary is Wayne Bank, providing community banking services including loans, deposits and related financial products to retail and commercial customers across its regional footprint.
Average Trading Volume: 30,969
Technical Sentiment Signal: Strong Buy
Current Market Cap: $306.2M
For an in-depth examination of NWFL stock, go to TipRanks’ Overview page.