Norwood Financial Corp. functions as the holding entity for Wayne Bank, delivering a comprehensive suite of financial products and services. The institution ...
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Est. EPS $0.95 · Revenue $30.10M · 1 analysts
Est. EPS $0.95 · Revenue $30.20M · 1 analysts
Est. EPS $3.48 · Revenue $116.90M · 1 analysts
Est. EPS $0.92 · Revenue $29.90M · 1 analysts
$1.27 per share
$1.27 per share
| Metric | Latest | YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength. | QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes. |
|---|---|---|---|
| RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three). | $136.1M | +34.2% | +37.9% |
| Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day. | $27.8M | +17446.3% | +150.1% |
| Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials. | +63.6% | +33.4% | +25.2% |
| Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on). | +26.1% | +10347.2% | +75.0% |
| Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales. | +20.4% | +13023.3% | +81.4% |
| Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock. | $29.2M | +48.6% | +51.7% |
| FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine. | +21.5% | +10.7% | +10.1% |
| Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe. | 30.6% | -66.5% | -27.2% |
| Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking. | 0.16x | -34.5% | +1043.7% |
| Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground. | $2.4B | +4.6% | -0.3% |
| Metric | Annual (A vs E) | Annual Surprise | Quarter (A vs E) | Quarter Surprise |
|---|---|---|---|---|
| EPS Surprise | 3.03 vs 3.09 | -1.9% | 1.02 vs 0.86 | +17.9% |
| Revenue Surprise | $136.1M vs $88.0M | +54.7% | $43.0M vs $28.1M | +53.0% |
| Date | Executive | Title | Security | Side | Shares | Price |
|---|---|---|---|---|---|---|
| Aug 10, 2026 | Andress Spencer J | director | Common Stock | A | 40 | $34.02 |
| Aug 10, 2026 | Carroll Joseph W | director | Common Stock | A | 40 | $34.02 |
| Aug 10, 2026 | FORTE ANDREW | director | Common Stock | A | 49 | $34.02 |
| Aug 10, 2026 | Gifford Jeffrey S | director | Common Stock | A | 40 | $34.02 |
| Aug 10, 2026 | Hungerford Meg L | director | Common Stock | A | 40 | $34.02 |
Operator: Good day, and thank you for standing by. Welcome to the Norwood Financial Corp. Second Quarter 26 Earnings Conference Call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question and answer session. To ask a question during the session, you will need to press *11 on your telephone. You will then hear an automated message advising your hand is raised. To withdraw your question, please press *11 again. Please be advised that today's conference is being recorded. I would now like to hand the conference over to your speaker today, Mackenzie Jackson, Corporate Secretary. Mackenzie, please go ahead. Mackenzie Jackson: Thank you, Michelle. Good morning, everyone, and welcome to our second quarter 26 Earnings Conference Call. With me today are Jim Donnelly, our President and CEO and John McCaffery, our CFO. The press release we issued earlier this morning, together with the presentation material that accompanies our remarks, are available on the Investor Relations section of our web page. Comments made by any participant on today's call may include forward-looking statements. These statements are subject to various risks and uncertainties and other factors that are difficult to predict. Actual results may differ materially from those expressed or implied, and we assume no obligation to update any forward-looking information. Please refer to our most recent Form 10 k and other subsequent reports filed with the SEC for more information about risks related to forward-looking statements. During our discussion, we may refer to certain non GAAP financial measures. These measures are useful for analysts, investors and management to evaluate ongoing performance. A reconciliation of these measures to GAAP financial results is provided in our presentation. I will now turn the call over to Jim. James O. Donnelly: Thank you, Mackenzie and good morning, everyone. I am pleased to report that the entire Norwood team performed well in the second quarter, continuing on our strong performance as we build momentum and deliver another quarter of improving financial results. Net income was $26.8 million, an increase of 41% compared with last year and another record for us as we continue to elevate our performance. Organic growth plus Presence Bank's acquisition contributed to the increase. Net interest margin expanded to 3.9%, an increase of 47 basis points compared with last year. Net income and earnings per share also increased improving 48%, 25%, respectively, on an adjusted basis with higher adjusted returns on average assets and tangible equity. By nearly every metric, it was a great quarter as we continue to benefit from our repositioned portfolio favorable interest rate movement strong team performance and the acquisition. As we disclosed last month, June 18, 1 of our customers with total loans totaling $22 million filed Chapter 11 bankruptcy. We have been involved in the process, engaging in …
| Name | Title | Compensation | Gender | Year Born | Status |
|---|---|---|---|---|---|
James O. Donnelly | President, Chief Executive Officer & Director | USD 811,584 | Male | 1968 | Active |
John Martin McCaffery Jr. | Executive Vice President & Chief Financial Officer | USD 526,128 | Male | 1964 | Active |
John F. Carmody | Executive Vice President & Chief Credit Officer | USD 410,756 | Male | 1970 | Active |
Joseph W. Adams | Senior Vice President & Director of Wealth Management | USD 78,857 | Male | 1963 | Active |
Janak Amin | Executive VP & COO | — | Male | 1965 | Active |
Kristen E. Lancia CFMP | Vice President & Marketing Manager | — | — | — | Active |
Joseph Mahon | Senior Vice President & Finger Lakes Commercial Loan Team Leader | — | Male | — | Active |
Ryan J. French | Executive Vice President & Director of Human Resources | — | Male | — | Active |
Steven Daniels | Executive Vice President & Director of Consumer Banking | — | Male | — | Active |
Tracie A. Young | Executive Vice President & Director of Risk | — | Female | 1970 | Active |
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Norwood Financial (NWFL) have what it takes?
Norwood Financial (NASDAQ: NWFL) reported record second-quarter 2026 earnings and said it has completed the integration of Presence Bank, while management also addressed a customer bankruptcy that led to a modest charge-off during the quarter. President and CEO James Donnelly said the company continued to build momentum in the quarter, citing organic growth, the Presence Bank
Norwood Financial Corp. (NWFL) Q2 2026 Earnings Call Transcript
Norwood Financial NASDAQ: NWFL reported record second-quarter 2026 earnings and said it has completed the integration of Presence Bank, while management also addressed a customer bankruptcy that led to a modest charge-off during the quarter.
Norwood Financial Corp. (NWFL) came out with quarterly earnings of $0.86 per share, missing the Zacks Consensus Estimate of $0.87 per share. This compares to earnings of $0.67 per share a year ago.
