Monitor upcoming quarters for cost synergies from the Presence Bank acquisition and whether adjusted EPS can exceed pre-merger levels. The decline in tangible book value suggests ongoing integration challenges that could pressure the stock despite revenue growth.
Price Chart
Executive Summary
Norwood Financial Corp reported Q1 2026 earnings with adjusted diluted EPS of $0.72, missing consensus of $0.81, driven by $4.9M in merger-related expenses from the Presence Bank acquisition. Despite record net interest income of $24.6M, GAAP net income fell 35% YoY to $3.7M due to integration costs. Tangible book value per share declined to $22.43.
Key Financial Metrics
Key Facts
- Adjusted diluted EPS was $0.72, missing analyst consensus of $0.81
- GAAP net income was $3.7M, down 35% year-over-year
- Record net interest income of $24.6M, up 38% YoY
- $4.9M in merger-related expenses from Presence Bank acquisition
- Tangible book value per share declined to $22.43 from $22.90 in Q4 2025
- Total assets grew to $2.9B, loans to $2.24B, and deposits to $2.51B
Financial Impact
$4.9M in merger-related expenses impacted earnings
Risk Factors
- Merger integration costs may continue to pressure earnings
- Declining tangible book value per share indicates dilution concerns
- Failure to realize expected cost synergies from acquisition
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 7 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001193125-26-179294 |
| Document: d55867dex992.htm | 0001193125-26-179294 |
| Document: d55867d8k.htm | 0001193125-26-179294 |
| Document: 0001193125-26-179294-index-headers.html | 0001193125-26-179294 |
| Document: 0001193125-26-179294-index.html | 0001193125-26-179294 |
| Document: 0001193125-26-179294.txt | 0001193125-26-179294 |
| 8-K Data (Synthetic) | 0001193125-26-179294 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 27, 2026 today | 8-K | $34.90 | awaiting T+20 | — | $37.18 (+6.53%) |
Oct 27, 2026 today | Press Release | $34.90 | awaiting T+20 | — | $37.18 (+6.53%) |
Sep 24, 2026 4w ago | Press Release | $33.78 | awaiting T+20 | — | $37.18 (+10.07%) |
Sep 16, 2026 5w ago | 8-K | $35.16 $33.46 | ▼ −4.83% | ▼ −6.04% | $37.18 (+5.75%) |
Aug 28, 2026 8w ago | 8-K / PRESS-RELEASE | $34.16 $33.34 | ▼ −2.40% | ▼ −2.21% | $37.18 (+8.84%) |
Jul 30, 2026 12w ago | Insider Buy | $33.70 $34.03 | ▲ +0.98% | ▼ −2.99% | $37.18 (+10.33%) |
Jul 27, 2026 13w ago | 8-K | $33.71 $34.10 | ▲ +1.16% | ▼ −2.14% | $37.18 (+10.29%) |
Jul 22, 2026 13w ago | Press Release | $30.35 $33.60 | ▲ +10.71% | ▲ +7.81% | $37.18 (+22.50%) |
Jul 22, 2026 13w ago | 8-K | $30.35 $33.60 | ▲ +10.71% | ▲ +7.81% | $37.18 (+22.50%) |
Jun 30, 2026 17w ago | Press Release | $32.15 | awaiting T+20 | — | $37.18 (+15.65%) |
US Market Status
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