Norwood Financial Corp Extends its Pennsylvania Presence with Strategic Acquisition of PB Bankshares, Inc.
Merger Announcement: Norwood Financial Corp and PB Bankshares, Inc. have agreed to merge, with Presence Bank becoming part of Wayne Bank, significantly expanding Norwood's presence in Central and Southeastern Pennsylvania, resulting in a combined asset total of approximately $3 billion.
Shareholder Details: Under the merger terms, 80% of Presence's shares will convert into Norwood stock, while the remaining 20% will be exchanged for cash, with the transaction valued at around $54.9 million and expected to enhance customer services and market share.
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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.
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.
Norwood Financial Corp Completes Acquisition of PB Bankshares, Assets Reach $2.9 Billion
- Acquisition Completed: Norwood Financial Corp successfully completed its acquisition of PB Bankshares and its wholly-owned subsidiary Presence Bank on January 5, 2026, resulting in a combined asset total of $2.9 billion, significantly enhancing Norwood's market share and service capabilities.
- Shareholder Choices: PB Bankshares shareholders had the option to receive either $19.75 in cash or 0.7850 shares of Norwood common stock, with approximately 87% opting for stock, reflecting confidence in Norwood's future growth prospects.
- Management Changes: The executive team from PB Bankshares will join Norwood, with Janak M. Amin appointed as Executive Vice President and Chief Operating Officer, which will bolster Norwood's management strength and competitive position in the market.
- Market Expansion: The merger extends Norwood's footprint into Chester and Lancaster Counties in Pennsylvania, further enhancing its influence and customer base in the local market.
Norwood Financial Receives Approval for PB Bankshares Acquisition, Assets Reach $2.4 Billion
- Acquisition Approval: Norwood Financial received final regulatory approval for its acquisition of PB Bankshares in December 2025, expected to close around January 5, 2026, which will enhance its market presence in Pennsylvania and create sustainable earnings growth opportunities.
- Asset Growth: As of September 30, 2025, Norwood Financial reported total assets of $2.4 billion, indicating strong growth potential in personal and business banking services, further solidifying its market position.
- Dividend Increase: In December 2025, Norwood Financial raised its quarterly dividend by 3.2% to 32 cents per share, with a current yield of 4.33%, reflecting the company's ongoing commitment to shareholder returns.
- Improved Capital Ratio: As of September 30, 2025, Norwood Financial's CET1 capital ratio increased to 12.27% from 11.74% a year ago, demonstrating a robust capital base and healthy liquidity position.
Top Strong Buy Stocks for December 18: MTLS, AMX, and Others
Zacks Rank #1 Stocks: Five stocks have been added to the Zacks Rank #1 (Strong Buy) List, including James River Group Holdings, Calix, Materialise NV, America Movil, and Norwood Financial Corp., all of which have seen significant increases in their earnings estimates over the past 60 days.
Earnings Estimate Increases: The earnings estimates for these companies have risen by 10.5% (James River), 15.4% (Calix), 33.3% (Materialise), 7.8% (America Movil), and 16.6% (Norwood) during the same period.
Top Picks for 2026: Zacks is preparing to release its top 10 stock picks for 2026, with a historical performance of +2,530.8% from 2012 to November 2025, significantly outperforming the S&P 500.
Free Stock Analysis Reports: The article offers free stock analysis reports for the highlighted companies, encouraging readers to download them for more insights.
Top Income Stocks to Consider Purchasing on December 18
Norwood Financial Corp.: This bank holding company has seen a 16.6% increase in the Zacks Consensus Estimate for its current year earnings, and offers a dividend yield of 4.2%, significantly higher than the industry average of 2.4%.
America Movil: The telecommunications provider has experienced a 7.8% rise in the Zacks Consensus Estimate for its current year earnings, with a dividend yield of 2.7%, slightly above the industry average of 2.6%.
Garrett Motion Inc.: This company, specializing in turbocharger technology, has had an 8.9% increase in the Zacks Consensus Estimate for its current year earnings, and provides a dividend yield of 1.9%, compared to an industry average of 0.0%.
Investment Opportunities: Zacks Investment Research is set to release its top 10 stock picks for 2026 on January 5, following a history of significant gains, with the previous top 10 stocks achieving a return of +2,530.8% since 2012.
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.
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.
Norwood Financial Corp Completes Acquisition of PB Bankshares, Assets Reach $2.9 Billion
- Acquisition Completed: Norwood Financial Corp successfully completed its acquisition of PB Bankshares and its wholly-owned subsidiary Presence Bank on January 5, 2026, resulting in a combined asset total of $2.9 billion, significantly enhancing Norwood's market share and service capabilities.
- Shareholder Choices: PB Bankshares shareholders had the option to receive either $19.75 in cash or 0.7850 shares of Norwood common stock, with approximately 87% opting for stock, reflecting confidence in Norwood's future growth prospects.
- Management Changes: The executive team from PB Bankshares will join Norwood, with Janak M. Amin appointed as Executive Vice President and Chief Operating Officer, which will bolster Norwood's management strength and competitive position in the market.
- Market Expansion: The merger extends Norwood's footprint into Chester and Lancaster Counties in Pennsylvania, further enhancing its influence and customer base in the local market.
Norwood Financial Receives Approval for PB Bankshares Acquisition, Assets Reach $2.4 Billion
- Acquisition Approval: Norwood Financial received final regulatory approval for its acquisition of PB Bankshares in December 2025, expected to close around January 5, 2026, which will enhance its market presence in Pennsylvania and create sustainable earnings growth opportunities.
- Asset Growth: As of September 30, 2025, Norwood Financial reported total assets of $2.4 billion, indicating strong growth potential in personal and business banking services, further solidifying its market position.
- Dividend Increase: In December 2025, Norwood Financial raised its quarterly dividend by 3.2% to 32 cents per share, with a current yield of 4.33%, reflecting the company's ongoing commitment to shareholder returns.
- Improved Capital Ratio: As of September 30, 2025, Norwood Financial's CET1 capital ratio increased to 12.27% from 11.74% a year ago, demonstrating a robust capital base and healthy liquidity position.
Top Strong Buy Stocks for December 18: MTLS, AMX, and Others
Zacks Rank #1 Stocks: Five stocks have been added to the Zacks Rank #1 (Strong Buy) List, including James River Group Holdings, Calix, Materialise NV, America Movil, and Norwood Financial Corp., all of which have seen significant increases in their earnings estimates over the past 60 days.
Earnings Estimate Increases: The earnings estimates for these companies have risen by 10.5% (James River), 15.4% (Calix), 33.3% (Materialise), 7.8% (America Movil), and 16.6% (Norwood) during the same period.
Top Picks for 2026: Zacks is preparing to release its top 10 stock picks for 2026, with a historical performance of +2,530.8% from 2012 to November 2025, significantly outperforming the S&P 500.
Free Stock Analysis Reports: The article offers free stock analysis reports for the highlighted companies, encouraging readers to download them for more insights.
Top Income Stocks to Consider Purchasing on December 18
Norwood Financial Corp.: This bank holding company has seen a 16.6% increase in the Zacks Consensus Estimate for its current year earnings, and offers a dividend yield of 4.2%, significantly higher than the industry average of 2.4%.
America Movil: The telecommunications provider has experienced a 7.8% rise in the Zacks Consensus Estimate for its current year earnings, with a dividend yield of 2.7%, slightly above the industry average of 2.6%.
Garrett Motion Inc.: This company, specializing in turbocharger technology, has had an 8.9% increase in the Zacks Consensus Estimate for its current year earnings, and provides a dividend yield of 1.9%, compared to an industry average of 0.0%.
Investment Opportunities: Zacks Investment Research is set to release its top 10 stock picks for 2026 on January 5, following a history of significant gains, with the previous top 10 stocks achieving a return of +2,530.8% since 2012.
