Every 10-Q that Norwood Financial Corp (NWFL) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow NWFL and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full NWFL filings page.
Norwood Financial Corp reported stronger results for the quarter ended June 30, 2026. Net income for the quarter was $9,328 thousand, up from $6,205 thousand a year earlier, with basic and diluted earnings per share rising to $0.86 from $0.67. Net interest income increased to $26,839 thousand, driven by higher interest income on loans and securities, partially offset by higher deposit and borrowing costs and a higher provision for credit losses.
For the first six months of 2026, net income was $13,058 thousand versus $11,978 thousand in 2025, while basic earnings per share were $1.21 compared with $1.30, reflecting a larger share count. Total assets reached $2,907,914 thousand, loans receivable (net) were $2,237,181 thousand, and deposits totaled $2,514,297 thousand, reflecting growth that includes the acquisition of PB Bankshares, Inc. during the period. The company recorded other comprehensive loss of $3,200 thousand for the six months, mainly from unrealized losses on available-for-sale securities, reducing comprehensive income to $9,858 thousand.
Norwood Financial Corp reported lower profit but much larger scale in the quarter ended March 31, 2026, following its PB Bankshares acquisition. Net income was $3.7 million versus $5.8 million a year earlier, with earnings per share falling to $0.35 from $0.63 as merger-related expenses reached $4.9 million.
Core banking activity expanded sharply: total assets rose to $2.9 billion from $2.4 billion, loans to $2.24 billion from $1.85 billion, and deposits to $2.51 billion from $2.08 billion. Net interest income increased to $24.6 million from $17.9 million, while the provision for credit losses grew to $1.5 million. The PB Bankshares deal carried a total purchase price of about $56 million and generated $7.1 million of goodwill, embedding a new southeastern Pennsylvania footprint into Norwood’s community banking franchise.
Norwood Financial Corp (NWFL) reported stronger Q3 results. Net income rose to $8.334 million from $3.844 million a year ago, with diluted EPS of $0.89 versus $0.48. Net interest income improved to $20.458 million from $15.931 million as loan interest and securities income increased, while total interest expense declined year over year. The quarter included a $0.502 million net release of credit loss provisions, compared with a provision of $1.345 million in the prior year period.
On the balance sheet, total assets reached $2.412 billion and stockholders’ equity rose to $234.9 million. Loans receivable (net) were $1.795 billion, up from $1.694 billion at year-end, and total deposits increased to $2.074 billion from $1.859 billion. Short-term borrowings declined to $0 from $113.1 million, and accumulated other comprehensive loss improved to $(23.708) million from $(33.121) million.
Noninterest income was $2.505 million, led by service charges and debit card fees. Noninterest expense totaled $12.934 million. The company declared a quarterly cash dividend of $0.31 per share during the period.
Norwood Financial Corp (NWFL) – Q2 2025 10-Q snapshot
- Net income rose 47% YoY to $6.2 m; EPS $0.67 vs $0.52. Six-month earnings up 39% to $12.0 m ($1.30/share).
- Net interest income +28% to $19.1 m as loans expanded 4.5% to $1.77 bn; securities portfolio steady at $402 m.
- Provision for credit losses increased to $0.95 m (Q2) lifting the allowance to $20.9 m, or 1.17% of loans.
- Funding mix: Deposits grew 7.5% to $1.998 bn, allowing short-term borrowings to fall 77% to $26.5 m.
- Capital: Stockholders’ equity improved 5.6% to $225 m as AOCI loss narrowed to –$27.5 m. Shares outstanding 9.26 m.
- Cash flow & returns: Operating cash flow $15.9 m; $0.62/share dividends paid YTD; $0.35 m in buybacks.
Higher loan yields and disciplined expenses drove profit growth despite a larger credit provision. Non-performing assets remain low at $8.1 m (0.45% of loans) with no loans 90+ days past due, supporting a stable risk profile.