Norwood Financial Corp. · NASDAQ:NWFL
Norwood Financial — Shareholder Meeting (April 2026)
20 slides from Norwood Financial's shareholder meeting presentation, Apr 28, 2026
Slide 1: 2026 Annual Shareholders' Virtual Meeting
Exhibit 99.1 2 65 86 246 198 47 237 155 33 NASDAQ GLOBAL: NWFL 66 145 185 147 97 81 209 218 221 2026 Annual Shareholders’ Virtual Meeting 241 231 217 245 156 170 40 171 117 229 87 96 149 A P R I L 2 8 , 2 0 2 6 92 148 Additional Colors
Slide 2: Forward-looking Statements and Additional Information
Forward -looking Statements and Additional Information 2 65 86 246 This presentation contains forward-looking statements within the meaning of the federal securities laws that are made by Norwood Financial Corp (“Norwood”). All statements other than statements of historical 198 fact are statements t
Slide 3: Agenda
Agenda 2 65 86 246 198 47 Introduction and Overview 237 155 33 66 Investment Strategy- Strength. Security. Stability. 145 185 147 97 81 Financial Results 209 E V E R Y D A Y 218 221 241 Employee Recognition 231 217 245 156 170 Final Thoughts 40 171 117 229 87 96 149 92 N O R W O O D F I N A N C I A
Slide 4: Growing and Fortifying Our Community Bank
Growing and Fortifying Our 155 -year -old Community Bank with 2 65 Presence Bank 86 246 Growing Our Branch Footprint Fortifying Our Financial Position 198 47 Cooperstown 237 33 2 13 NWFL Honesdale, PA 155 $2.9B Oneonta Offices States Counties NASDAQ Headquarters 33 Total Assets 66 145 185 1871 310 4
Slide 5: Strength. Security. Stability. Key Tenets for Success
Strength. Security. Stability. 2 65 86 Key Tenets for Success 246 198 47 Customers Employees Community Shareholders 237 155 33 Unified brand: Consolidated Wayne Bank, the Bank of Cooperstown, Bank of the Finger Lakes, 66 and Presence Bank (in April 2026) under single Wayne Bank brand 145 150+ Years
Slide 6: 2025 Financial Results
2025 Financial Results 2 65 86 1 246 1 Adjusted Earnings Per Share Adjusted Net Income ($M) 198 47 237 155 33 66 145 185 $3.58 $29.2 $28.8 $3.11 $3.04 $24.9 147 $2.07 97 $1.93 $16.8 $15.6 81 209 218 2021 2022 2023 2024 2025 2021 2022 2023 2024 2025 221 241 231 217 245 Adjusted net income increased R
Slide 7: Key Performance Indicators: Performance Ratios / Balance Sheet
Key Performance Indicators: Performance Ratios / Balance Sheet 2 65 86 1 246 Adjusted Return on Assets Total Assets ($B) 198 47 237 155 33 66 145 1.43% 185 $2.43 1.24% 1.21% $2.32 147 $2.20 0.79% 97 0.69% $2.07 81 $2.05 209 218 2021 2022 2023 2024 2025 2021 2022 2023 2024 2025 221 241 231 1 Adjusted
Slide 8: Net Interest Margin
Net Interest Margin 2 65 86 246 Quarterly Net Interest Margin Annual Net Interest Margin 198 47 237 155 33 66 145 185 3.63% 3.60% 3.50% 3.53% 3.49% 3.43% 3.30% 3.06% 2.97% 147 97 81 209 218 2021 2022 2023 2024 2025 Q1 2025 Q2 2025 Q3 2025 Q4 2025 221 241 231 Efficiency Ratio 217 (Operating Expenses
Slide 9: Dividend Payout
Dividend Payout 2 65 86 246 Dividend Per Share 198 47 237 155 33 Increased cash dividend 66 145 3.33% in the fourth 185 quarter of 2025 147 97 81 209 Dividend yield 4.2% 218 221 (as of 4/23/2026) $1.24 241 $1.20 231 217 $1.16 $1.12 34 consecutive years 245 156 of annual dividend $1.04 170 increases
Slide 10: Capital Strength
Capital Strength 2 65 86 246 Operating Expenses to 198 47 Average Assets (Q4 2025) • We remain a well-capitalized bank after repositioning 237 155 the portfolio for improved future performance 33 66• In 2021, program announced to buy back up to 5% 145 of outstanding shares; in 2025, over 10,000 shar
Slide 11: Q1 2026 Summary
Q1 2026 Summary 2 65 86 246 Selected Financial Highlights (all comps Y/Y) Key Messages 198 47 237 155 The team began 2026 with strong performance, 33 $24.6M 3.04% including record net interest income, extending the 1 1 Net Interest Income Net Interest Spread (fte) 66 momentum we are building towards
Slide 12: Employee and Board of Director Recognition
2 65 86 246 198 47 237 155 33 66 145 185 147 97 81 Employee and Board of 209 218 Director Recognition 221 241 231 217 245 156 170 40 171 117 229 87 96 149 92 148 Additional Colors
Slide 13: Employee Recognition
Employee Recognition Team Wayne Day and Employee Recognition 2 65 86 246 Team Wayne Day Promotions & New Hires 198 47 Years of Service Awards: Nancy Hart (47 years), Barbara Ridd (45 years), Kayla Dixon, Vice President and Business Intelligence Manager, Business Karen Gasper (25 years), Diane Sculli
Slide 14: Strong, Committed and Qualified Board of Directors
Strong, Committed and Qualified Board of Directors 2 65 86 Dr. Andrew A. Forte Alexandra K. Nolan 246 Board Skills President of Forte, Inc. Former Editorial Finance Manager of 198 Chairman of the Board Time Warner’s LIFE Magazine 47 Audit and Nominating Committees Compensation and Nominating Committ
Slide 15: Thank You
2 65 86 246 198 47 237 155 33 66 145 185 147 97 81 209 218 Thank You 221 241 231 217 245 156 170 40 171 117 229 87 96 149 92 148 Additional Colors
Slide 16: Appendix
2 65 86 246 198 47 237 155 33 66 145 185 147 97 81 209 APPENDIX 218 221 241 231 217 245 156 170 40 171 117 229 87 96 149 92 148 Additional Colors
Slide 17: Non-GAAP Financial Measures
Non -GAAP Financial Measures 2 Adjustments for Merger -Related Expenses and BOLI Restructuring Fee 65 86 246 198 47 237 155 33 66 145 185 147 97 81 209 218 221 241 231 217 245 156 170 40 171 117 229 87 96 149 92 N O R W O O D F I N A N C I A L C O R P 148 N A S D A Q G L O B A L : N W F L Additional
Slide 18: Non-GAAP Financial Measures
Non -GAAP Financial Measures 2 Adjustments for Merger -Related Expenses and BOLI Restructuring Fee 65 86 246 198 47 237 155 33 66 145 185 147 97 81 209 218 221 241 231 217 245 156 170 40 171 117 229 87 96 149 92 N O R W O O D F I N A N C I A L C O R P 148 N A S D A Q G L O B A L : N W F L Additional
Slide 19: Non-GAAP Financial Measures
Non -GAAP Financial Measures 2 Adjustments for Merger -Related Expenses and BOLI Restructuring Fee 65 86 246 198 47 237 155 33 66 145 185 147 97 81 209 218 221 241 231 217 245 156 170 40 171 117 229 87 96 149 92 N O R W O O D F I N A N C I A L C O R P 148 N A S D A Q G L O B A L : N W F L Additional
Slide 20: Non-GAAP Financial Measures
Non -GAAP Financial Measures 2 Adjustments for Merger -Related Expenses and BOLI Restructuring Fee 65 86 246 198 47 237 155 33 66 145 185 147 97 81 209 218 221 241 231 217 245 156 170 40 171 117 229 87 96 149 92 N O R W O O D F I N A N C I A L C O R P 148 N A S D A Q G L O B A L : N W F L Additional