The strong Q1 results reinforce positive momentum from the portfolio repositioning and recent merger. Traders should monitor for any guidance updates in upcoming quarters, particularly around net interest margin trends and integration progress with Presence Bank.
Price Chart
Executive Summary
Norwood Financial Corp presented strong Q1 2026 results at its annual meeting, with net interest income up 38% YoY to $24.6M, adjusted net income up 35% to $7.8M, and adjusted diluted EPS up 14% to $0.72. The company also highlighted a 52bps improvement in net interest margin for 2025, a 14.53% ROATCE, and a well-capitalized position with total risk-based capital of 13.66%.
Key Facts
- Q1 2026 net interest income of $24.6M, up 38% YoY
- Q1 2026 adjusted diluted EPS of $0.72, up 14% YoY
- Q1 2026 adjusted net income of $7.8M, up 35% YoY
- Q1 2026 adjusted ROAA of 1.10%, up 9 bps YoY
- Q1 2026 adjusted ROTE of 12.65%, up 25 bps YoY
- Full year 2025 adjusted EPS of $3.58, up from $3.04 in 2024
- Total assets of $2.9B as of March 31, 2026, including Presence Bank acquisition
- Total risk-based capital of 13.66%, well above well-capitalized minimum of 10%
- Dividend yield of 4.2% as of April 23, 2026; 34 consecutive years of increases
Financial Impact
Strong double-digit growth in net interest income, net income, and EPS; improved profitability ratios.
Risk Factors
- Integration risks associated with the Presence Bank acquisition
- Interest rate sensitivity and potential margin compression if rates decline
- Economic headwinds from tariff policies and workforce reductions mentioned in forward-looking statements
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 5 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001193125-26-183573 |
| Document: d325426d8k.htm | 0001193125-26-183573 |
| Document: 0001193125-26-183573-index-headers.html | 0001193125-26-183573 |
| Document: 0001193125-26-183573-index.html | 0001193125-26-183573 |
| Document: 0001193125-26-183573.txt | 0001193125-26-183573 |
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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