Insider Trading January 28, 2026

Norwood Financial Director Adds $55,820 in NWFL Shares; Company Reports Strong Q4 2025 Results

Director Joseph W. Carroll buys 2,000 shares as Norwood posts significant net interest income gains and adjusted EPS growth following an acquisition

By Jordan Park NWFL
Norwood Financial Director Adds $55,820 in NWFL Shares; Company Reports Strong Q4 2025 Results
NWFL

Norwood Financial Corp director Joseph W. Carroll purchased 2,000 common shares at $27.91 apiece on January 27, 2026, a transaction valued at $55,820. After the buy, Carroll directly holds 37,503 shares and has additional indirect holdings attributed to family and retirement accounts. Separately, the company reported robust fourth-quarter 2025 results driven by higher net interest income and an acquisition that expanded its market presence, with adjusted earnings per share and net income more than doubling.

Key Points

  • Director Joseph W. Carroll acquired 2,000 shares of Norwood Financial at $27.91 on January 27, 2026, for $55,820.
  • After the trade, Carroll directly owns 37,503 shares, with additional indirect holdings listed as 7,247 shares by spouse, 724 shares by IRA, and 724 shares by Sposue IRA.
  • Norwood Financial's fourth-quarter 2025 results showed a substantial increase in net interest income and an acquisition-driven expansion that helped more than double adjusted earnings per share and adjusted net income; the stock price remained stable following the report.

Director Joseph W. Carroll of Norwood Financial Corp (NASDAQ:NWFL) completed a personal purchase of 2,000 shares of the company's common stock on January 27, 2026. The shares were acquired at a per-share price of $27.91, bringing the total cost of the transaction to $55,820.

Following this purchase, Carroll's direct holdings in Norwood Financial total 37,503 shares. The filing also lists indirect holdings attributed to family and retirement accounts: 7,247 shares by spouse, 724 shares by IRA, and 724 shares by Sposue IRA.

Earnings backdrop

Norwood Financial reported what the company described as significant growth in its fourth-quarter 2025 earnings. Management highlighted a substantial rise in net interest income, which materially contributed to more than doubling both adjusted earnings per share and adjusted net income for the period.

According to the company statement, the quarter's performance was supported by an acquisition that broadened Norwood Financial's market footprint. The company characterized the results as marking a strong finish to its fiscal year.

Market reaction and investor attention

The company noted that its stock price remained stable in the wake of the quarterly report, a development the filing said reflects investor confidence in the firm's recent operating results. The earnings release and accompanying remarks are likely to draw interest from investors assessing growth signals in the financial sector.

Context and caveats

The transaction reported by Carroll is limited to the single purchase detailed above. The company's fourth-quarter results emphasize net interest income and acquisition-driven expansion as primary drivers of the adjusted step-change in profitability. The filing provides the share counts and transaction specifics but does not include additional commentary or forward-looking guidance beyond the summary of results and the acquisition's contribution.


Holdings summary

  • Director purchase: 2,000 shares at $27.91 on January 27, 2026, total value $55,820.
  • Direct ownership after purchase: 37,503 shares.
  • Indirect holdings listed: 7,247 shares by spouse, 724 shares by IRA, and 724 shares by Sposue IRA.

What this means

The documented insider purchase and the company-reported quarterly results present discrete data points: a director-level buy and a quarter featuring pronounced net interest income growth and acquisition-related expansion. Observers will note both the personal transaction and the financial disclosure as they evaluate Norwood Financial's recent performance within the banking and financial services sector.

Risks

  • The article presents only the single insider transaction and the quarter's reported results; it does not include forward-looking guidance or additional performance details, leaving future outlook uncertain - relevant to the banking and financial services sector.
  • The reported improvement in adjusted earnings and net income was aided by an acquisition; reliance on inorganic growth introduces integration and execution risks for Norwood Financial and could affect future results - relevant to M&A activity in financials.
  • While the stock price was reported as stable after the earnings release, market conditions can change and the article does not provide further information on investor sentiment or volatility - relevant to equity markets and investors.

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