Norwood Financial reports Q4 net income $7.4M ($0.81 EPS); closes Presence Bank acquisition

NORWOOD FINANCIAL CORP

2025-FY EPS reported $3.01 revenue$7,999,000

Q4 net income of $7.4M ($0.81 diluted EPS) vs net loss of $12.7M ($-1.54) in Q4 2024.
Full year 2025 net income $27.8M ($3.01 EPS) vs $0.2M net loss ($-0.02) in 2024.
Net interest margin expanded 58 bps to 3.49%; loan growth 8.2%, deposit growth 11.8%.
Tangible book value per share up 15.4% to $22.90 from $19.85.
Closed acquisition of Presence Bank on January 5, 2026, expanding geographic reach.

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