Norwood Financial Q3 net income $8.3M, EPS $0.89 (+85% YoY); NIM expands to 3.63%

NORWOOD FINANCIAL CORP

2025-Q3 EPS reported $2.22 revenue$5,890,000

Diluted EPS of $0.89 vs $0.48 in Q3 2024; adjusted EPS of $0.94 excluding merger charges.
Net interest margin (fte) rose to 3.63% from 2.99% YoY; net interest income up $4.5M.
Loans grew 8.3% YoY to $1.815B; deposits up 11.8% to $2.074B; total assets $2.412B.
Tangible book value per share increased to $22.19 from $19.85 at Dec 31, 2024.
Efficiency ratio improved to 56.3% from 66.0% in Q3 2024; ROA 1.40%.

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