Norwood Financial Corp. (NWFL) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:04.075 Welcome to our Q4 2025 earnings conference call. 00:00:04.075 -- 00:00:09.021 With me today are Jim Donnelly, CEO, and John McCaffrey, CFO. 00:00:09.021 -- 00:00:13.165 The press release we issued earlier this morning, together with the presentation material 00:00:13.165 -- 00:00:17.790 that accompanies our remarks, are available on the investor relations section of our 00:00:17.790 -- 00:00:19.392 webpage. 00:00:19.392 -- 00:00:25.279 Comments made by any participant on today's call may include forward-looking statements. 00:00:25.279 -- 00:00:29.826 These statements are subject to various risks and uncertainties and other factors that 00:00:29.826 -- 00:00:34.913 are difficult to predict. Actual results may differ materially from those 00:00:34.913 -- 00:00:40.880 expressed or implied, and we assume no obligation to update any forward-looking information. 00:00:40.880 -- 00:00:45.947 Please refer to our most recent Form 10-K and other subsequent reports filed with 00:00:45.947 -- 00:00:51.654 the SEC for more information about risks related to forward-looking statements. 00:00:51.654 -- 00:00:56.056 During our discussion, we may refer to certain non-GAAP financial measures. 00:00:56.056 -- 00:01:02.303 These measures are used for analysts, investors, and management to evaluate ongoing performance. 00:01:02.303 -- 00:01:07.470 A reconciliation of these measures to gap financial results is provided in our presentation 00:01:07.470 -- 00:01:11.474 materials. I will now turn the call over to Jim. 00:01:11.474 -- 00:01:14.678 Thank you, Kristen. Good morning to everyone. 00:01:14.678 -- 00:01:19.884 We ended 2025 on a positive note and with good momentum, 00:01:19.884 -- 00:01:25.486 as the team achieved strong results by continuing t...