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Norwood Financial Corp used its 2026 annual shareholders’ meeting presentation to showcase growth, profitability and capital strength for community bank Wayne Bank. The company reported total assets of $2.9 billion, total gross loans of $2.2 billion, total deposits of $2.4 billion and total equity of $284 million as of December 31, 2025, excluding the Presence Bank acquisition.
For 2025, net interest margin increased 52 basis points, helped by a portfolio repositioning completed in December 2024, while the efficiency ratio declined, reflecting improved interest income. The bank remains well capitalized, with total risk-based capital of 13.06% in 2025 versus a 10% “well capitalized” threshold, and operating expenses to average assets of 2.07% in Q4 2025, lower than national and local peers.
The presentation highlights record Q1 2026 net interest income and stronger margins, including a net interest spread of 3.04%, net interest margin of 3.68%, adjusted return on assets of 1.10% and adjusted return on tangible equity of 12.65%, all year-over-year improvements. Norwood also emphasizes shareholder returns, with a dividend yield of 4.2% as of April 23, 2026, a 2025 dividend per share of $1.24, 34 consecutive years of dividend increases, and a share repurchase program authorizing buybacks of up to 5% of outstanding shares, under which over 10,000 shares were repurchased in 2025.
Norwood Financial Corp reported first quarter 2026 results that reflect strong underlying banking performance but lower GAAP earnings due to merger-related costs. Net income was $3.7 million, or $0.35 per diluted share, down from $0.63 a year earlier, as the Company absorbed $4.9 million of merger expenses and a $225 thousand bank owned life insurance restructuring fee.
On an adjusted basis, net income rose to $7.8 million and diluted EPS to $0.72, with adjusted return on average assets at 1.10% and adjusted return on average tangible equity at 12.65%. Net interest income increased to $24.6 million, up 38% year over year, and the fully taxable-equivalent net interest margin expanded to 3.68%. Following the January 5, 2026 acquisition of PB Bancshares, total assets reached $2.9 billion, loans $2.24 billion, and deposits $2.51 billion, while credit quality remained solid with nonperforming loans at 0.46% of total loans and nonperforming assets at 0.38% of total assets.
Shook James reported acquisition or exercise transactions in this Form 4 filing.
NORWOOD FINANCIAL CORP director James Shook received a stock award, increasing his holdings. He was granted 45 shares of Common Stock at $30.39 per share as Director Retainer Shares issued under the 2024 Equity Incentive Plan.
After this grant, he directly owns 8,978 shares of Common Stock. He also has an indirect holding of 825 Restricted Stock shares. The award vests in three equal installments beginning on December 15, 2026 and annually thereafter, subject to continued service.
Carroll Joseph W reported acquisition or exercise transactions in this Form 4 filing.
NORWOOD FINANCIAL CORP director Joseph W. Carroll received an equity grant of 45 shares of Common Stock at $30.39 per share on April 10, 2026. The footnote states these are Director Retainer Shares issued under the 2024 Equity Incentive Plan, reflecting routine board compensation rather than an open-market purchase.
Following this award, Carroll directly holds 41,594 Common Stock shares. He also has indirect holdings reported as 7,247 shares held by his spouse, 724 shares held in his IRA, and 724 shares held in his spouse’s IRA.
Hungerford Meg L reported acquisition or exercise transactions in this Form 4 filing.
NORWOOD FINANCIAL CORP director Meg L. Hungerford received a grant of 45 shares of common stock on April 10, 2026 at $30.39 per share as director retainer shares under the 2024 Equity Incentive Plan. This is a compensation-related award, not an open-market purchase.
Following the grant, she directly holds 6,198 common shares. She also reports indirect holdings, including 990 shares as custodian for children and several restricted stock awards that vest in equal annual installments beginning on specified December dates, subject to continued service.
LAMONT KEVIN M reported acquisition or exercise transactions in this Form 4 filing.
NORWOOD FINANCIAL CORP director Kevin M. Lamont received a stock award rather than making an open-market trade. On April 10, 2026, he was granted 45 shares of common stock at $30.39 per share as Director Retainer Shares under the 2024 Equity Incentive Plan.
Following this grant, Lamont directly holds 135,915 common shares, with additional indirect holdings listed for his spouse and several restricted stock awards that vest over time in equal annual installments beginning on specified December dates.
Andress Spencer J reported acquisition or exercise transactions in this Form 4 filing.
NORWOOD FINANCIAL CORP director Spencer J. Andress received a grant of 45 shares of Common Stock as director compensation. The shares were awarded at a reference price of $30.39 per share as Director Retainer Shares issued under the 2024 Equity Incentive Plan, rather than through an open-market purchase.
Following this grant, Andress holds 8,280 shares directly and an additional 7,247 shares indirectly through Comprehensive Planner Ltd., reflecting a relatively small, routine equity-based compensation award for board service.
Gifford Jeffrey S reported acquisition or exercise transactions in this Form 4 filing.
NORWOOD FINANCIAL CORP director Jeffrey S. Gifford received a grant of 45 shares of Common Stock on April 10, 2026 at a value of $30.39 per share. The filing describes these as Director Retainer Shares issued under the company’s 2024 Equity Incentive Plan.
After the grant, Gifford directly owns 26,637 Common shares. He also reports several indirect holdings through a spouse, IRAs, custodial accounts for family members, and multiple restricted stock awards that vest over time, reflecting a meaningful long-term equity alignment with NORWOOD FINANCIAL CORP.
FORTE ANDREW reported acquisition or exercise transactions in this Form 4 filing.
NORWOOD FINANCIAL CORP director Andrew Forte reported a grant of 55 shares of Common Stock at $30.39 per share. These Director Retainer Shares were issued under the 2024 Equity Incentive Plan and increased his directly held stake to 12,117 shares.
Forte also reports indirect holdings, including shares held in an IRA and through Forte, Inc., as well as several restricted stock awards. The footnotes state these awards vest in equal annual installments beginning on specific December dates from 2022 through 2026, conditioned on continued service as an employee or director.
Schmalzle Ronald R reported acquisition or exercise transactions in this Form 4 filing.
NORWOOD FINANCIAL CORP director Ronald R. Schmalzle received a grant of 45 shares of common stock on April 10, 2026 at $30.39 per share as Director Retainer Shares under the 2024 Equity Incentive Plan. After this award, he directly holds 9,345 shares. He also has indirect holdings of 26,468 shares in an IRA and restricted stock positions of 550 and 825 shares that vest in three equal annual installments beginning on December 15, 2025 and December 15, 2026, subject to continued service.