Earning Analysis
Welcome to our in-depth analysis of Norwood Financial Corp(NWFL) earnings, offering investors a detailed look into the company’s financial performance, revenue trends, earnings per share (EPS), and market reactions. This page provides a comprehensive overview of Norwood Financial Corp earnings history, forecasts, and key financial metrics, empowering you with the data needed to make informed investment decisions. Whether you're tracking quarterly results, analyzing earnings surprises, or exploring future projections, our detailed breakdown covers it all.
NWFL Earnings Analysis
Our earnings analysis provides a granular look at the company’s performance across recent fiscal quarters, highlighting key metrics such as revenue, EPS, and operating margins. By examining actual results against analyst estimates, we uncover trends and surprises that drive stock price movements, offering valuable insights for both short-term traders and long-term investors.
In the most recent quarter, Norwood Financial Corp reported performance for , announced on 2025-10-22. The company achieved an EPS of 0.94, compared to analyst estimates of 0.68 by 38.24% . Revenue for the quarter reached 22.96M compared to expectations of 22.10M by 3.90% .
The stock price reacted with a 6.79% one-day change and a 9.06% five-day change following the earnings release. These movements reflect market reaction in Norwood Financial Corp growth trajectory and strategic initiatives.
NWFL Earnings Forecast
Looking ahead, Norwood Financial Corp(NWFL) remains a focal point for investors seeking growth opportunities. Analyst forecasts for project quarter revenue of and an EPS of .
However, recent estimate revisions provide additional context. Over the past three months, revenue estimates for FY2025 have been Revise Upward by 2.56%, while EPS estimates have been Revise Upward by 14.66%. For the upcoming Q4 2025, revenue estimates have been adjusted Revise Upward by 5.86% . These revisions correlate with a 7.35% change in stock price over the same period, suggesting potential buying opportunities for investors who believe in Norwood Financial Corp long-term fundamentals.
The relationship between earnings forecast revisions and stock price movements is critical for investors. Positive revisions in revenue or EPS often signal strengthening fundamentals, making temporary price dips attractive entry points. Conversely, downward revisions may reflect short-term challenges.
Estimate Revision
The chart shows the correlation between NWFL's stock price and earnings forecast revisions. Positive revisions in Revenue or EPS often strengthen the stock's fundamentals, making price dips potential buying opportunities.
Revenue Estimates for FY2025
Revise Upward

+2.56%
In Past 3 Month
EPS Estimates for FY2025
Revise Upward

+14.66%
In Past 3 Month
Revenue Estimates for Q4 2025
Revise Upward

+5.86%
In Past 3 Month
Stock Price
Go Up

+7.35%
In Past 3 Month
Currency: USD
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Revenue Estimate-Annual FY 2025:88.00M
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EPS Estimate-Annual FY 2025:3.09
NWFL Revenue and EPS Performance: A Historical Perspective
Norwood Financial Corp revenue and earnings per share (EPS) performance over recent quarters provides a clear picture of its financial health. Below is a detailed breakdown of the company’s earnings history, showcasing actual results, analyst estimates, and surprise percentages for key fiscal quarters:
(2025-10-22,Pre-Market):
EPS: 0.94 (Actual) vs.0.68 (Estimate) (38.24%)
Revenue: 22.96M (Actual) vs. 22.10M (Estimate) (3.90%)
Price Reaction: 6.79%(1-Day), 9.06%(5-Day)
(2024-07-26,):
EPS: 0.52 (Actual) vs. (Estimate) (%)
Revenue: 0.00 (Actual) vs. 0.00 (Estimate) (%)
Price Reaction: 0.03%(1-Day), -5.43%(5-Day)
(2024-04-22,):
EPS: 0.55 (Actual) vs. (Estimate) (%)
Revenue: 0.00 (Actual) vs. 0.00 (Estimate) (%)
Price Reaction: 1.28%(1-Day), 0.33%(5-Day)
Earnings Reaction
The chart below shows how NWFL performed 10 days before and after its earnings report, based on data from the past quarters. Typically, NWFL sees a -4.27% change in stock price 10 days leading up to the earnings, and a -3.75% change 10 days following the report. On the earnings day itself, the stock moves by +3.09%. This data can give you a slight idea of what to expect for the next quarter's release.
For example, in SEP/2025, the stock changed -0.95% on the day following the earnings release and then changed by 1.21% over the next 10 days. These patterns provide investors with valuable insights into potential price movements and help inform trading strategies around earnings events.
FAQ

What were the key highlights of NWFL’s latest earnings report for ?
NWFL reported its earnings on 2025-10-22, showcasing a revenue of 22.96M against an estimate of 22.10M, resulting in a 3.9% surprise. The EPS was 0.94, surpassing the expected 0.68 by 38.24% . The stock experienced a 6.79% price change on the earnings day and a 9.06% change over the next five days, reflecting market reactions to the results.

How did NWFL’s stock price react after the earnings release?
Following NWFL’s earnings announcement on 2025-10-22, the stock price moved by 6.79% on the day of the release. Over the subsequent five days, it saw a 9.06% change. Historically, NWFL’s stock price tends to shift by an average of -4.27% in the 10 days leading up to earnings and -3.75% in the 10 days following, providing insight into potential market.

What are the revenue and EPS estimates for NWFL for undefined?
For , analysts estimate NWFL’s annual revenue to reach , while the EPS is projected at . These estimates reflect recent revisions, with revenue estimates revised Revenue Revise Upward by 2.56% and EPS estimates Revise Upward by 5.86% over the past three months, indicating analyst expectation in the company’s performance.

How does NWFL’s stock price correlate with earnings forecast revisions?
The correlation between NWFL’s stock price and earnings forecast revisions shows that positive revisions in revenue or EPS often strengthen the stock’s fundamentals. Over the past three months, revenue estimates for FY2025 were Revise Upward by 2.56%, while EPS estimates moved Revise Upward by 5.86% . This trend suggests that price dips could present buying opportunities for investors.

What should investors expect from NWFL’s next earnings report?
Based on historical trends, NWFL’s stock price typically moves by -4.27% in the 10 days before its earnings and -3.75% in the 10 days after. For the upcoming earnings, analysts expect an EPS of and revenue of .

What is the sentiment in Norwood Financial Corp (NWFL) Q3 2025 Earnings Call Summary?
The earnings call presents a mixed picture: improved credit metrics and increased net interest margins are positives, but there are concerns about rising expenses and pending regulatory approval for a merger. The Q&A section highlights uncertainties, especially around M&A timelines and rate impacts. While financial performance shows some strengths, the lack of clear guidance on crucial issues tempers optimism. Thus, the stock price is likely to remain stable with a neutral sentiment.