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Norwood Financial Earnings Calls
| Release date | Apr 27, 2026 |
| EPS estimate | $0.81 |
| EPS actual | $0.720 |
| EPS Surprise | -11.11% |
| Revenue estimate | 27.5M |
| Revenue actual | 27.3M |
| Revenue Surprise | -0.727% |
| Release date | Jan 22, 2026 |
| EPS estimate | $0.85 |
| EPS actual | $0.84 |
| EPS Surprise | -1.18% |
| Revenue estimate | 23.5M |
| Revenue actual | 23.5M |
| Release date | Oct 22, 2025 |
| EPS estimate | $0.705 |
| EPS actual | $0.94 |
| EPS Surprise | 33.33% |
| Revenue estimate | 22.2M |
| Revenue actual | 22.963M |
| Revenue Surprise | 3.44% |
| Release date | Jul 22, 2025 |
| EPS estimate | $0.655 |
| EPS actual | $0.670 |
| EPS Surprise | 2.29% |
| Revenue estimate | 21.9M |
| Revenue actual | 21.313M |
| Revenue Surprise | -2.68% |
Last 4 Quarters for Norwood Financial
Below you can see how NWFL performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Jul 22, 2025 |
| Price on release | $24.56 |
| EPS estimate | $0.655 |
| EPS actual | $0.670 |
| EPS surprise | 2.29% |
| Date | Price |
|---|---|
| Jul 16, 2025 | $24.71 |
| Jul 17, 2025 | $24.70 |
| Jul 18, 2025 | $24.56 |
| Jul 21, 2025 | $24.52 |
| Jul 22, 2025 | $24.56 |
| Jul 23, 2025 | $24.86 |
| Jul 24, 2025 | $24.25 |
| Jul 25, 2025 | $24.62 |
| Jul 28, 2025 | $24.60 |
| 4 days before | -0.607% |
| 4 days after | 0.163% |
| On release day | 1.22% |
| Change in period | -0.445% |
| Release date | Oct 22, 2025 |
| Price on release | $26.41 |
| EPS estimate | $0.705 |
| EPS actual | $0.94 |
| EPS surprise | 33.33% |
| Date | Price |
|---|---|
| Oct 16, 2025 | $24.08 |
| Oct 17, 2025 | $24.37 |
| Oct 20, 2025 | $24.79 |
| Oct 21, 2025 | $24.73 |
| Oct 22, 2025 | $26.41 |
| Oct 23, 2025 | $26.16 |
| Oct 24, 2025 | $26.70 |
| Oct 27, 2025 | $26.97 |
| Oct 28, 2025 | $26.82 |
| 4 days before | 9.68% |
| 4 days after | 1.55% |
| On release day | -0.95% |
| Change in period | 11.38% |
| Release date | Jan 22, 2026 |
| Price on release | $28.43 |
| EPS estimate | $0.85 |
| EPS actual | $0.84 |
| EPS surprise | -1.18% |
| Date | Price |
|---|---|
| Jan 15, 2026 | $28.28 |
| Jan 16, 2026 | $28.17 |
| Jan 20, 2026 | $28.00 |
| Jan 21, 2026 | $29.01 |
| Jan 22, 2026 | $28.43 |
| Jan 23, 2026 | $27.82 |
| Jan 26, 2026 | $28.19 |
| Jan 27, 2026 | $28.62 |
| Jan 28, 2026 | $28.06 |
| 4 days before | 0.530% |
| 4 days after | -1.30% |
| On release day | -2.15% |
| Change in period | -0.778% |
| Release date | Apr 27, 2026 |
| Price on release | $29.21 |
| EPS estimate | $0.81 |
| EPS actual | $0.720 |
| EPS surprise | -11.11% |
| Date | Price |
|---|---|
| Apr 21, 2026 | $30.20 |
| Apr 22, 2026 | $30.70 |
| Apr 23, 2026 | $30.85 |
| Apr 24, 2026 | $30.86 |
| Apr 27, 2026 | $29.21 |
| Apr 28, 2026 | $29.50 |
| Apr 29, 2026 | $29.15 |
| Apr 30, 2026 | $29.27 |
| May 01, 2026 | $30.87 |
| 4 days before | -3.28% |
| 4 days after | 5.68% |
| On release day | 0.99% |
| Change in period | 2.22% |
Norwood Financial Earnings Call Transcript Summary of Q1 2026
Norwood Financial reported a strong start to 2026 driven by the recent Presence Bank acquisition and continued execution of its 2026 strategic priorities. First-quarter highlights include record net interest income of $24.6 million (up 38% year-over-year), a net interest margin of 3.68% (up 38 bps YoY), adjusted net income and EPS increases (35% and 14%, respectively), and notable loan and deposit growth since the acquisition close. Management has completed core integration steps (IT and HR), begun brand unification, and is deploying Presence’s AI-enabled commercial credit system to increase underwriting speed and efficiency. The quarter included ~ $5 million of merger charges, higher provisions partly from model updates and portfolio integration, and a maintained coverage ratio of 1.09%. Tech investments increased operating expenses in the quarter, though management expects a near-term run rate around current levels (with potential modest improvement) and anticipates margin expansion modestly over the next few quarters (3–5 bps). Management expects tangible book value payback from the acquisition to occur sooner than originally projected given acquisition quality and favorable rates. Overall, the company emphasizes disciplined integration, margin improvement, efficiency gains from technology/AI, and a focus on growing fee income and treasury/wealth services to drive shareholder value.
