Overview

* Norwood Q3 EPS rises 85% yr/yr, reflecting improved profitability

* Net interest income for Q3 increases due to higher asset yields

* Net interest margin improves to 3.63% from 2.99% yr/yr

Outlook

* Norwood Financial Corp ( NWFL ) did not provide specific future guidance

Result Drivers

* ASSET YIELDS - Higher asset yields contributed to increased net interest income in Q3 2025

* LOAN AND DEPOSIT GROWTH - Loans grew at an annualized rate of 5.4% in Q3, while deposits grew at a 15% annualized rate year-to-date

* CREDIT QUALITY - Improved credit quality from already sound levels, according to CEO Jim Donnelly

Key Details

Metric Beat/Mis Actual Consensu

s s

Estimate

Q3 EPS $0.89

Q3 Net $20.45

Interest mln

Income

Q3 Net 3.63%

Interest

Margin

Analyst Coverage

* The current average analyst rating on the shares is "buy" and the breakdown of recommendations is 1 "strong buy" or "buy", 1 "hold" and no "sell" or "strong sell"

* The average consensus recommendation for the banks peer group is "buy"

* Wall Street's median 12-month price target for Norwood Financial Corp ( NWFL ) is $26.25, about 5.8% above its October 21 closing price of $24.73

* The stock recently traded at 8 times the next 12-month earnings vs. a P/E of 9 three months ago

Press Release:

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(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)