Norwood Financial (NWFL)
NASDAQ:NWFL
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Earnings Data
Report Date
Jul 29, 2026TBA (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
0.87Last Year’s EPS
0.67Same Quarter Last Year
Based on 1 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed a largely positive performance narrative: record net interest income, strong loan and deposit growth following the Presence Bank acquisition, margin expansion, improved adjusted earnings, and clear progress on integration and technology deployments that should drive future efficiency and revenue growth. Offsetting these positives were one-time merger charges (~$5M), higher provisions and nonperforming loans concentrated in commercial lending, and elevated near-term operating expenses due to technology and conversion investments. Management expects accretion to shareholder value earlier than planned and sees continued margin and fee-income tailwinds, but also signaled that some cost and competitive pressures may persist in the near term.Company Guidance
Record Net Interest Income
Net interest income reached a record $24.6 million in Q1 2026, an increase of 38% versus 2025 and up approximately $3.0 million on a linked-quarter basis due to higher interest-earning assets.
Net Interest Margin Expansion
Net interest margin expanded to 3.68%, +38 basis points year-over-year (management referenced ~8 basis points improvement quarter-over-quarter driven by a 7 bps increase in interest-earning asset yields and slight decline in deposit costs).
Adjusted Earnings Growth
Adjusted net income increased 35% and adjusted earnings per share rose 14% year-over-year, with higher adjusted returns on average assets and on tangible equity.
Strong Deposit and Loan Growth Post-Acquisition
Since January 5 (post-Presence acquisition), loans grew roughly $46 million (approx. 8.4% annualized) and deposits grew roughly $70 million (approx. 11.6% annualized), demonstrating quick balance-sheet scale from the acquisition.
Successful Presence Bank Integration Progress
Core conversion completed (April 5); IT and HR unified; branding and site unification underway. Management reports integration on plan and expects accretion and tangible book value payback ahead of original projections.
Improved Fee and Noninterest Income
Noninterest income increased versus prior year driven by higher service charges and debit card income; debit revenue initiatives and planned growth in brokerage, trust, mortgage, and treasury management expected to lift fee income further.
Pre-provision Net Revenue and Purchase Accounting Tailwinds
Adjusted pre-provision net revenue rose ~11% on a linked-quarter basis. Purchase accounting contributed a pretax impact of $435,000 (~6 basis points of margin this quarter) with scheduled margin accretion of ~$2.2 million for 2026 (dropping to ~$2.0 million in 2027).
Healthy Loan Pipeline and Loan Pricing
Origination pipeline described as 'very healthy' with quality high; recent closings (last 18 booked) averaged 7.05% — above current portfolio yields and supportive of further margin expansion.
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 | $28.71 | $28.14 | -2.00% |
Oct 22, 2025 | $24.20 | $25.84 | +6.79% |
Jul 22, 2025 | $23.74 | $24.03 | +1.22% |
Apr 17, 2025 | $21.44 | $21.97 | +2.50% |
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 Jul 29, 2026, TBA (Confirmed).
What is Norwood Financial (NWFL) earnings time?
Norwood Financial (NWFL) earnings time is at Jul 29, 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 (Q2) is 0.87.