Norwood Financial Corp. · NASDAQ:NWFL
Norwood Financial — Investor Presentation (August 2023)
17 slides from Norwood Financial's investor presentation, Aug 25, 2023
Slide 1: Norwood Financial Corp Investor Presentation
Norwood Financial Corp Investor Presentation Exhibit 99.1
Slide 2: Forward-looking statements
The information disclosed in this document includes various forward-looking statements that are made by Norwood Financial Corp (the “Company”) in reliance upon the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. The words “anticipates,” “projects,” “intends,” “estimat
Slide 3: Financial Highlights, Q2 2023: Balance Sheet
Financial Highlights, Q2 2023 Total Assets of $2.1 billion Increase of $75 million over last twelve months Increase of $95 million in 2023 Total Loans of $1.6 billion Increase of $173 million over last twelve months Increase of $104 million in 2023 Total Deposits of $1.7 billion Decrease of $68 mill
Slide 4: Financial Highlights, Q2 2023: Loan Portfolio
Financial Highlights, Q2 2023 Commercial Loans Increase of $62 million over last twelve months Increase of $46 million in 2023 Consumer Loans Increase of $96 million over last twelve months Increase of $50 million in 2023 Residential Mortgages Increase of $15 million over last twelve months Increase
Slide 5: Financial Highlights, Q2 2023: Deposits
Financial Highlights, Q2 2023 Demand Deposits Decrease of $18 million over last twelve months Decrease of $9 million in 2023 NOW, Money Market, Savings Decrease of $169 million over last twelve months Decrease of $95 million in 2023 CD’s Increase of $119 million over last twelve months Increase of $
Slide 6: Financial Highlights, Q2 2023: Net Income
Financial Highlights, Q2 2023 $24,915 $29,233 $24,570 Net Income *6 months Annualized
Slide 7: Financial Highlights, Q2 2023: Peer Comparison
Financial Highlights, Q2 2023 WAYNE BANK NATIONAL PEER Return on Assets 1.09% 1.12% Return on Equity 13.90% 12.97% Dividend Payout Ratio 40.50% 26.58% Net Interest Margin 3.25% 3.48% Loans to Deposits 86.14% 79.80% Efficiency Ratio 57.31% 60.62% Net Income Per Employee (thousands) $106.36 $118.95 Av
Slide 8: A Well Diversified Loan Portfolio: Categories
A Well Diversified Loan Portfolio Loan Portfolio Categories
Slide 9: A Well Diversified Loan Portfolio: By Industry
A Well Diversified Loan Portfolio Loan Portfolio By Industry
Slide 10: A Long-Term Focus on Credit Quality
A Long-Term Focus on Credit Quality CRE (NOO) Concentration as % of Capital Top 500 – 1000 Banks by Assets PA Industry Average Per Bank Wayne Bank
Slide 11: Credit Performance
Credit Performance Total Loans Vs. Percentage of Past Dues (> 30 days)
Slide 12: Deposit Mix
Deposit Mix FINANCIAL CORP Deposit G 1 $17,900.00 $17,800.00 ‘ a $17,700.00 1 $17,600.00 : — $17,400.00 $1, $17,300.00 We $17,200.00 $17,100.00 1 $17,000.00 1/2023 2/2023 3/2023 4/2023 5/2023 Wayne Bank +=—— Banking industry
Slide 13: Deposit Mix: Deposit Growth Comparison
Deposit Mix Deposit Growth Comparison
Slide 14: A Legacy of Creating Shareholder Value: The Facts
A Legacy of Creating Shareholder Value Total return of 1,171.5% between October 11, 1995, and November 22, 2022 31 consecutive years of increases in cash dividends per share Most recent quarterly dividend of $.29/share payable on August 1, 2023 Market valuation metrics: Price/LTM EPS: 8.5X Price/boo
Slide 15: A Legacy of Creating Shareholder Value: Russell 3000 Index
A Legacy of Creating Shareholder Value NWFL entered the Russell 3000® Index on 6/23/2023. On 6/23/2023, NWFL had the highest level of stock trades in a single day in its history. The Russell 3000® Index encompasses and tracks the performance of the 3,000 largest traded U.S. stocks, based on market c
Slide 16: A Top 25 Best U.S. Bank
A Legacy of Creating Shareholder Value Ranked #20 in the Top 25 Banks in the U.S. by Bank Director Magazine. Also ranked #10 out of 122 banks in the 2 billion to $5 billion asset size category, which is up from #71 rank in 2022 Evaluated on profitability, capital adequacy, asset quality, and total s
Slide 17: A Top 100 Performing U.S. Bank
A Legacy of Creating Shareholder Value Ranked #84 out of 200 banks in the $2 billion to $10 billion asset size category by American Banker. Evaluated on profitability, efficiency, capital adequacy, and asset quality based on a 3-year average return. A Top 100 Performing U.S. Bank
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