Education
About Us
Working with TipRanks
Follow Us
Norwood Financial (NWFL)
NASDAQ:NWFL
Earnings Data
Report Date
Apr 17, 2026TBA (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.77Last Year’s EPS
0.63Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented materially stronger operating performance in 2025 with major positives including a 62% increase in net interest income, adjusted net income and EPS more than doubling, a completed acquisition that grew assets by 20%, improved credit metrics, and strategic hires and AI initiatives. Countervailing items were modest: a 3 basis point margin decline sequentially, a 2% linked-quarter decline in pre-provision net revenue, rising short-term expenses (5% linked quarter), and ~$520k of merger charges. Overall, the positive operational and strategic developments and significant year-over-year income gains outweigh the manageable near-term costs and temporary pressures.Company Guidance
Large Increase in Net Interest Income and Spread
Net interest spread expanded by 62 basis points year-over-year, driving a 62% increase in net interest income compared with 2024.
Adjusted Net Income and EPS More Than Doubled
On an adjusted basis, net income and earnings per share more than doubled year-over-year, with improved returns on average assets and tangible equity.
Presence Bank Acquisition Completed
Closed the acquisition of Presence Bank on January 5, increasing the company's asset base by 20%, adding four branches in Southeast and South Central Pennsylvania, and bringing additional talent and regional scale.
Balance Sheet Repositioning and Loan/Deposit Growth
Portfolio repositioning completed in December 2024 combined with strong loan and deposit growth produced a more robust balance sheet and higher-quality earnings throughout 2025.
Quarterly Net Interest Income Increase
Net interest income increased by $5 million on a linked-quarter basis in Q4, reflecting continued revenue momentum.
Noninterest Income Growth (Adjusted)
Excluding losses from securities sales related to the 2024 portfolio repositioning, noninterest income increased year-over-year, driven primarily by fees on loan and deposit products.
Improved Credit Metrics
Credit quality improved year-over-year: nonperforming loans as a percentage of total loans decreased and reserves to nonperforming assets increased, characterizing benign credit conditions.
Strategic Investments in Talent and Technology
Leadership additions (new COO, CIO, Market Executive, and two new board members) and planned adoption of Presence Bank's advanced AI tools to improve underwriting speed and operational efficiency were highlighted as drivers for future growth.
NWFL Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
NWFL Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Jan 22, 2026 | $29.01 | $28.43 | -2.00% |
Oct 22, 2025 | $24.45 | $26.11 | +6.79% |
Jul 22, 2025 | $23.98 | $24.28 | +1.22% |
Apr 17, 2025 | $21.66 | $22.20 | +2.49% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Norwood Financial (NWFL) report earnings?
Norwood Financial (NWFL) is schdueled to report earning on Apr 17, 2026, TBA (Confirmed).
What is Norwood Financial (NWFL) earnings time?
Norwood Financial (NWFL) earnings time is at Apr 17, 2026, TBA (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is NWFL EPS forecast?
NWFL EPS forecast for the fiscal quarter 2026 (Q1) is 0.77.