Norwood Financial Corp. (NWFL) Completes Presence Bank Acquisition, Net Income Rises 62%
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 22 2026
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Source: seekingalpha
- Acquisition Success: Norwood Financial successfully completed the acquisition of Presence Bank on January 5, 2025, increasing its asset base by 20% and adding four branches, significantly enhancing its market presence and competitiveness in Pennsylvania.
- Financial Performance: The fourth quarter saw a 62% year-over-year increase in net interest income, achieving a linked-quarter growth of $500,000, reflecting the company's continued strong financial performance post-balance sheet repositioning and enhancing shareholder value.
- Strategic Priorities: Management outlined four strategic priorities for 2026, including the integration of Presence Bank, leveraging advanced AI tools for operational efficiency, strengthening the leadership team, and maintaining a focus on shareholder value, demonstrating confidence in future growth.
- Leadership Changes: Norwood Financial appointed Janak Amin as Chief Operating Officer, Larry Witt as Chief Information Officer, and Doug Byers as Market Executive and Head of Treasury Management, further strengthening the management team to support future business expansion.
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About NWFL
Norwood Financial Corp. is a holding company for Wayne Bank (the Bank). The Bank offers a variety of personal and business credit services, trust and investment products and real estate settlement services to consumers, businesses, nonprofit organizations, and municipalities in each of the communities that it serves. The Bank operates over 33 offices, which primarily serve the northeastern Pennsylvania counties of Wayne, Pike, Monroe, Lackawanna and Luzerne, Chester, Lancaster Counties, and Susquehanna County, in addition to the New York counties of Delaware, Sullivan, Ontario, Otsego and Yates. In addition, the Bank operates automated teller machines at 30 branch facilities plus one machine at an off-site location. The Bank operates a Wealth Management/Trust Department, which provides estate planning, investment management and financial planning to customers.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Norwood Financial (NWFL) Reports Q4 EPS of $0.80, Full Year Loan Growth of 8.2%
- Earnings Performance: Norwood Financial reported a Q4 GAAP EPS of $0.80 and a full-year EPS of $3.01, indicating sustained growth in profitability that boosts investor confidence.
- Revenue Growth: The company achieved revenues of $23.45 million in Q4 2025, with significant annual growth reflecting its competitive position and expanded customer base, further driving future business development.
- Loan and Deposit Growth: Full-year loan growth of 8.2% and deposit growth of 11.8% demonstrate positive progress in attracting customers and scaling operations, which will enhance market share and profitability.
- Asset Quality Improvement: Non-interest bearing DDA increased by 10% in 2025, while tangible book value per share rose by 15.4%, showcasing effective strategies in asset management and customer relations that strengthen financial stability.
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Norwood Financial Corp. (NWFL) Completes Presence Bank Acquisition, Net Income Rises 62%
- Acquisition Success: Norwood Financial successfully completed the acquisition of Presence Bank on January 5, 2025, increasing its asset base by 20% and adding four branches, significantly enhancing its market presence and competitiveness in Pennsylvania.
- Financial Performance: The fourth quarter saw a 62% year-over-year increase in net interest income, achieving a linked-quarter growth of $500,000, reflecting the company's continued strong financial performance post-balance sheet repositioning and enhancing shareholder value.
- Strategic Priorities: Management outlined four strategic priorities for 2026, including the integration of Presence Bank, leveraging advanced AI tools for operational efficiency, strengthening the leadership team, and maintaining a focus on shareholder value, demonstrating confidence in future growth.
- Leadership Changes: Norwood Financial appointed Janak Amin as Chief Operating Officer, Larry Witt as Chief Information Officer, and Doug Byers as Market Executive and Head of Treasury Management, further strengthening the management team to support future business expansion.
Continue Reading