NORWOOD SYSTEMS LTD

Norwood Financial reported record net interest income of $24.6 million, up 38% year-over-year, and net interest margin expanded 38 basis points to 3.68%, driven by the Presence Bank acquisition and a repositioned bond portfolio. Management completed core IT and HR integrations, rolled out an AI-powered commercial credit system, and saw annualized loan growth of 8.4% while deposit mix improvements continue. It expects NIM to expand another 3–5 basis points in coming quarters, operating expenses to stabilize between $15.08 million and $16.1 million per quarter, and accelerated tangible book value payback from acquisition synergies. The quarter included about $5 million of merger-related charges, provision increases tied to portfolio integration, and nonperforming loans around $11 million attributed to granular commercial movements. » Altro su finance.yahoo.com

Norwood Financial reported Q3 2025 EPS of $0.695 and revenue of $22.1 million, with the metrics in line with analysts' expectations. Net interest margin and net interest income improved significantly, and pre-provision earnings increased strongly. Management announced strategic initiatives, a leadership change and optimizations to deposit costs, and is exploring further M&A options. After the release the stock rose 3.11% in premarket trading to $25.40; the company is targeting a net interest margin of about 4% and no longer expects the merger with Presence Bank to close in the current quarter. » Altro su de.investing.com