Norwood Financial Corp (Nasdaq Global Market-NWFL) reported full-year highlights for 2025, including fully diluted EPS of $3.01, net interest margin increase of 58 basis points, loan growth of 8.2%, deposit growth of 11.8%, and a 15.4% increase in tangible book value per share. The company’s disciplined approach and recent acquisition of Presence Bank have positioned it for a bright future.

In the fourth quarter of 2025, Norwood Financial Corp reported a net income of $7.4 million, an increase of $20.0 million compared to the previous year. The company saw an increase in net interest income due to higher earning assets and reduced interest costs on liabilities, resulting in a net interest margin of 3.60%. Total assets grew to $2.425 billion, with loans receivable and deposits both experiencing significant growth.

The acquisition of Presence Bank in January 2025 has given Norwood Financial Corp a larger geographic presence, greater assets, and a talented team dedicated to serving their communities. The company operates from fifteen offices in Northeastern Pennsylvania and fourteen offices in New York. The stock trades on the Nasdaq Global Market under the symbol “NWFL.”

Norwood Financial Corp’s financial results for the full year ended December 31, 2025, showed an increase in net interest income, total assets, loans receivable, and deposits. The company’s strategic approach and commitment to core values have led to strong performance and solid growth, positioning them for continued success in 2026. Management believes that non-GAAP financial measures are useful in evaluating the company’s performance and should be considered as supplemental information.

In addition to presenting information in conformity with GAAP, Norwood Financial Corp uses non-GAAP financial measures to provide supplemental information for evaluating performance. These measures include net interest spread, net interest margin, pre-provision net revenue, earnings per share, return on average assets, and return on average tangible equity. The company believes these measures are useful in assessing performance and should be considered as supplemental information alongside GAAP financials.

Read more at GlobeNewswire: Norwood Financial Corp announces Fourth Quarter and Full