NWFL · NORWOOD FINANCIAL CORP
Norwood Financial Corp. operates as the bank holding company for Wayne Bank that provides various banking products and services in the United States. The company offers deposit products, including interest-bearing and non-interest-bearing transaction, statement savings, and money market accounts, as well as certificate of deposits. Its commercial loans include lines of credit, revolving credit, term loans, mortgages, secured lending products, and letter of credit facilities; municipal finance lending; construction loans for commercial construction projects and single-family residences; construction financing; land and consumer loans; mortgage lending to finance principal residences and second home dwellings; and indirect dealer financing of new and used automobiles, boats, and recreational vehicles. In addition, the company offers investment securities services; personal and business credit services; trust and investment products; and cash management, direct deposit, remote deposit capture, mobile deposit capture, automated clearing house activity, real estate settlement, and internet and mobile banking services. Further, it offers annuity and insurance products; and engages in mutual fund sale, advisory services, and discount brokerage activities, as well as insurance agency business. The company serves consumers, businesses, nonprofit organizations, and municipalities. It operates automated teller machines and branches in Northeastern Pennsylvania; and in New York counties of Delaware, Sullivan, Ontario, Otsego, and Yates. The company was founded in 1870 and is based in Honesdale, Pennsylvania.
Cap structure and valuation
| Cap structure | |
|---|---|
| SP | $33.70 |
| SO | 10.9M |
| Options | 0.2M |
| Warrants | 0.0M |
| FD SO | 11.1M |
| MC | $374.5M |
| Cash | $102.6M |
| Total debt | $88.3M ⚠ |
| EV | $360.2M |
| TTM Multiples | |
|---|---|
| EV / Revenue | 2.5x |
| EV / EBITDA | — |
| MC / Net Income | 14.6x |
| EV / FCF | 13.5x |
| MC / FCF | 14.1x |
| Ownership & coverage | |
|---|---|
| Institutional | 42.0% |
| Insiders | 8.0% |
| # Institutions | 151 |
| Analysts | 2 |
| Consensus | Buy |
| Avg target | $36.50 |
| Short % float | 1.5% |
| Days to cover | 2.60 |
MC = SP × FD SO. EV = MC + Debt − Cash. SP = previous yfinance close. Balance-sheet figures as of 2026-05-01. Multiples use TTM (sum of last 4 quarters); shown as "—" when the denominator is zero or negative, or when fewer than four quarters are reported — a partial sum is not a trailing twelve months. Ownership & coverage per Yahoo Finance as of 2026-07-31 — institutional % is 13F-based, so it can lag a quarter and exceed 100% on share-count timing. Short interest per FINRA bi-monthly reporting, as of 2026-07-15; the float denominator can be unreliable on tiny floats.
Debt figure uncertain — deposit-funded financial institution — debt/EV not a meaningful metric. Verify against the filing before relying on EV.
Financial statements
| 3/31/26 | 12/31/25 | 9/30/25 | 6/30/25 | |
|---|---|---|---|---|
| Total Revenue | 41.10 | 35.56 | 34.70 | 33.45 |
| Revenue YoY % | 26.7% | 200.7% | 12.7% | 12.0% |
| SG&A | 20.99 | 13.62 | 12.93 | 12.53 |
| Interest Expense | 24.55 | 20.94 | 20.46 | 19.07 |
| Pretax Income | 4.82 | 9.37 | 10.53 | 7.83 |
| Tax Provision | 1.09 | 1.93 | 2.20 | 1.63 |
| Net Income | 3.73 | 7.44 | 8.33 | 6.21 |
| Net Margin % | 9.1% | 20.9% | 24.0% | 18.5% |
| Diluted EPS | $0.35 | $0.79 | $0.89 | $0.67 |
| Basic EPS | $0.35 | $0.79 | $0.89 | $0.67 |
| Diluted Avg Shares | 10.8 | — | 9.3 | 9.2 |
| Basic Avg Shares | 10.8 | — | 9.3 | 9.2 |
| LTM | 12/31/25 | 12/31/24 | 12/31/23 | 12/31/22 | |
|---|---|---|---|---|---|
| Total Revenue | 144.81 | 136.15 | 101.43 | 103.66 | 85.60 |
| Revenue YoY % | 6.4% | 34.2% | (2.2%) | 21.1% | — |
| Gross Profit | — | — | — | 62.07 | 68.40 |
| Gross Profit YoY % | — | — | — | (9.3%) | — |
| Gross Margin % | — | — | — | 59.9% | 79.9% |
| SG&A | 60.08 | 51.15 | 48.62 | 43.50 | 41.04 |
| Interest Expense | 85.02 | 78.32 | 62.19 | 33.47 | 7.27 |
| Pretax Income | 32.55 | 35.02 | (0.26) | 21.15 | 36.38 |
| Tax Provision | 6.84 | 7.26 | (0.10) | 4.39 | 7.15 |
| Net Income | 25.71 | 27.75 | (0.16) | 16.76 | 29.23 |
| Net Margin % | 17.8% | 20.4% | (0.2%) | 16.2% | 34.2% |
| Diluted EPS | $2.70 | $3.01 | -$0.02 | $2.07 | $3.58 |
| Basic EPS | $2.70 | $3.01 | -$0.02 | $2.08 | $3.59 |
| Diluted Avg Shares | 10.8 | 9.2 | 8.1 | 8.1 | 8.2 |
| Basic Avg Shares | 10.8 | 9.2 | 8.1 | 8.1 | 8.1 |
| 3/31/26 | 12/31/25 | 9/30/25 | 6/30/25 | |
|---|---|---|---|---|
| Cash & Equivalents | 102.57 | 44.44 | 74.73 | 53.05 |
| Net PPE | 25.30 | 22.97 | 22.29 | 21.61 |
| Operating Lease ROU | — | 3.30 | — | — |
| Goodwill | 36.38 | 29.27 | 29.27 | 29.27 |
| Intangible Assets | 3.32 | 0.10 | 0.11 | 0.12 |
| Other Assets | 2,749.69 | 2,324.77 | 2,285.55 | 2,261.31 |
| Total Assets | 2,917.25 | 2,424.84 | 2,411.95 | 2,365.35 |
| Other Liabilities | 2,633.32 | 2,182.68 | 2,177.05 | 2,139.93 |
| Total Liabilities | 2,633.32 | 2,182.68 | 2,177.05 | 2,139.93 |
| Retained Earnings | 140.84 | 141.13 | 136.66 | 131.20 |
| Total Equity | 283.94 | 242.16 | 234.91 | 225.43 |
| LTM | 12/31/25 | 12/31/24 | 12/31/23 | 12/31/22 | |
|---|---|---|---|---|---|
| Cash & Equivalents | 102.57 | 44.44 | 72.34 | 66.12 | 31.87 |
| Net PPE | 25.30 | 22.97 | 19.66 | 17.84 | 17.92 |
| Operating Lease ROU | — | 3.30 | 3.77 | 3.91 | 4.11 |
| Goodwill | 36.38 | 29.27 | 29.27 | 29.27 | 29.27 |
| Intangible Assets | 3.32 | 0.10 | 0.15 | 0.22 | 0.31 |
| Other Assets | 2,749.69 | 2,324.77 | 2,192.28 | 2,083.73 | 1,963.60 |
| Total Assets | 2,917.25 | 2,424.84 | 2,317.46 | 2,201.08 | 2,047.07 |
| Other Liabilities | 2,633.32 | 2,182.68 | 2,103.95 | 2,020.01 | 1,879.98 |
| Total Liabilities | 2,633.32 | 2,182.68 | 2,103.95 | 2,020.01 | 1,879.98 |
| Retained Earnings | 140.84 | 141.13 | 124.96 | 135.28 | 130.02 |
| Total Equity | 283.94 | 242.16 | 213.51 | 181.07 | 167.09 |
| 3/31/26 | 12/31/25 | 9/30/25 | 6/30/25 | |
|---|---|---|---|---|
| Net Income | 3.73 | 7.44 | 8.33 | 6.21 |
| Δ Working Cap & Other | 2.27 | 1.33 | 1.00 | 0.55 |
| Operating Cash Flow | 6.00 | 8.78 | 9.34 | 6.75 |
| CapEx | (0.46) | (1.07) | (1.04) | (1.68) |
| Acquisitions | 57.02 | — | — | — |
| Other Investing | (45.35) | (42.02) | (20.11) | (11.21) |
| Investing Cash Flow | 11.21 | (43.09) | (21.15) | (12.89) |
| Stock Issuance | 0.17 | — | — | — |
| Stock Buyback | — | (0.01) | 0.00 | 0.00 |
| Dividends Paid | (3.51) | (2.87) | (2.87) | (2.87) |
| Other Financing | 44.27 | 6.90 | 36.37 | (13.35) |
| Financing Cash Flow | 40.93 | 4.02 | 33.50 | (16.23) |
| Free Cash Flow | 5.54 | 7.70 | 8.30 | 5.08 |
| LTM | 12/31/25 | 12/31/24 | 12/31/23 | 12/31/22 | |
|---|---|---|---|---|---|
| Net Income | 25.71 | 27.75 | (0.16) | 16.76 | 29.23 |
| Stock-Based Comp | — | 0.25 | 0.35 | 0.40 | 0.27 |
| Δ Working Cap & Other | 5.16 | 5.96 | 22.62 | 12.66 | 1.23 |
| Operating Cash Flow | 30.87 | 33.97 | 22.81 | 29.82 | 30.73 |
| CapEx | (4.24) | (4.72) | (3.13) | (1.41) | (2.15) |
| Other Investing | (61.68) | (124.23) | (112.08) | (115.16) | (205.84) |
| Investing Cash Flow | (65.92) | (128.95) | (115.20) | (116.57) | (207.99) |
| Stock Issuance | — | — | 28.12 | — | — |
| Stock Buyback | — | (0.36) | (0.70) | (3.10) | (2.52) |
| Dividends Paid | (12.12) | (11.49) | (9.72) | (9.42) | (9.16) |
| Other Financing | 74.34 | 78.93 | 80.92 | 133.51 | 14.12 |
| Financing Cash Flow | 62.22 | 67.08 | 98.62 | 121.00 | 2.44 |
| Free Cash Flow | 26.62 | 29.25 | 19.68 | 28.41 | 28.58 |
| 3/31/26 | 12/31/25 | 9/30/25 | 6/30/25 | |
|---|---|---|---|---|
| Current Ratio | — | — | — | — |
| Quick Ratio | — | — | — | — |
| Debt / Equity | 9.27 | 9.01 | 9.27 | 9.49 |
| EBITDA Margin % | — | — | — | — |
| Working Capital | — | — | — | — |
| Net Debt | — | — | — | — |
| ROE % | 1.3% | 3.1% | 3.5% | 2.8% |
| ROA % | 0.1% | 0.3% | 0.3% | 0.3% |
| LTM | 12/31/25 | 12/31/24 | 12/31/23 | 12/31/22 | |
|---|---|---|---|---|---|
| Current Ratio | — | — | — | — | — |
| Quick Ratio | — | — | — | — | — |
| Debt / Equity | 9.27 | 9.01 | 9.85 | 11.16 | 11.25 |
| EBITDA Margin % | — | — | — | — | — |
| Working Capital | — | — | — | — | — |
| Net Debt | — | — | — | — | — |
| ROE % | 9.1% | 11.5% | (0.1%) | 9.3% | 17.5% |
| ROA % | 0.9% | 1.1% | (0.0%) | 0.8% | 1.4% |
Insider activity (last 2 years)
| Date Filed | Reporter | Relationship | Trans. Date | Code | Shares | Price | Total Value |
|---|---|---|---|---|---|---|---|
| 2026-07-30 | Shook James | Director | 2026-07-28 | P | 3,100 | $34.55 | $107,105 |
| 2026-07-14 | Andress Spencer J | Director | 2026-07-10 | A | 43 | $31.88 | $1,371 |
| 2026-07-14 | Carroll Joseph W | Director | 2026-07-10 | A | 43 | $31.88 | $1,371 |
| 2026-07-14 | FORTE ANDREW | Director | 2026-07-10 | A | 52 | $31.88 | $1,658 |
| 2026-07-14 | Gifford Jeffrey S | Director | 2026-07-10 | A | 43 | $31.88 | $1,371 |
| 2026-07-14 | Hungerford Meg L | Director | 2026-07-10 | A | 43 | $31.88 | $1,371 |
| 2026-07-14 | LAMONT KEVIN M | Director | 2026-07-10 | A | 43 | $31.88 | $1,371 |
| 2026-07-14 | Matergia Ralph A | Director | 2026-07-10 | A | 43 | $31.88 | $1,371 |
| 2026-07-14 | Nacinovich Marissa S | Director | 2026-07-10 | A | 43 | $31.88 | $1,371 |
| 2026-07-14 | Nolan Alexandra K | Director | 2026-07-10 | A | 43 | $31.88 | $1,371 |
| 2026-07-14 | PHILLIPS KENNETH A | Director | 2026-07-10 | A | 43 | $31.88 | $1,371 |
| 2026-07-14 | Schmalzle Ronald R | Director | 2026-07-10 | A | 43 | $31.88 | $1,371 |
| 2026-07-14 | Shook James | Director | 2026-07-10 | A | 43 | $31.88 | $1,371 |
| 2026-06-12 | Shook James | Director | 2026-06-10 | A | 45 | $30.19 | $1,359 |
| 2026-06-12 | PHILLIPS KENNETH A | Director | 2026-06-10 | A | 45 | $30.19 | $1,359 |
| 2026-06-12 | Nolan Alexandra K | Director | 2026-06-10 | A | 45 | $30.19 | $1,359 |
| 2026-06-12 | Nacinovich Marissa S | Director | 2026-06-10 | A | 45 | $30.19 | $1,359 |
| 2026-06-12 | Matergia Ralph A | Director | 2026-06-10 | A | 45 | $30.19 | $1,359 |
| 2026-06-12 | Schmalzle Ronald R | Director | 2026-06-10 | A | 45 | $30.19 | $1,359 |
| 2026-06-12 | LAMONT KEVIN M | Director | 2026-06-10 | A | 45 | $30.19 | $1,359 |
| 2026-06-12 | Hungerford Meg L | Director | 2026-06-10 | A | 45 | $30.19 | $1,359 |
| 2026-06-12 | Gifford Jeffrey S | Director | 2026-06-10 | A | 45 | $30.19 | $1,359 |
| 2026-06-12 | FORTE ANDREW | Director | 2026-06-10 | A | 55 | $30.19 | $1,660 |
| 2026-06-12 | Carroll Joseph W | Director | 2026-06-10 | A | 45 | $30.19 | $1,359 |
| 2026-06-12 | Andress Spencer J | Director | 2026-06-10 | A | 45 | $30.19 | $1,359 |
| 2026-06-11 | Schmalzle Ronald R | Director | 2025-08-05 | P | 600 | $24.35 | $14,610 |
| 2026-05-27 | Schmalzle Ronald R | Director | 2026-05-26 | P | 700 | $30.19 | $21,133 |
| 2026-05-26 | Schmalzle Ronald R | Director | 2026-05-26 | A | 700 | $30.19 | $21,133 |
| 2026-05-13 | FORTE ANDREW | Director | 2026-05-12 | P | 270 | $29.58 | $7,987 |
| 2026-05-13 | LAMONT KEVIN M | Director | 2026-05-11 | A | 45 | $30.20 | $1,359 |
| 2026-05-13 | Matergia Ralph A | Director | 2026-05-11 | A | 45 | $30.20 | $1,359 |
| 2026-05-13 | Nacinovich Marissa S | Director | 2026-05-11 | A | 45 | $30.20 | $1,359 |
| 2026-05-13 | Nolan Alexandra K | Director | 2026-05-11 | A | 45 | $30.20 | $1,359 |
| 2026-05-13 | PHILLIPS KENNETH A | Director | 2026-05-11 | A | 45 | $30.20 | $1,359 |
| 2026-05-13 | Schmalzle Ronald R | Director | 2026-05-11 | A | 45 | $30.20 | $1,359 |
| 2026-05-13 | Shook James | Director | 2026-05-11 | A | 45 | $30.20 | $1,359 |
| 2026-05-13 | Andress Spencer J | Director | 2026-05-11 | A | 45 | $30.20 | $1,359 |
| 2026-05-13 | Carroll Joseph W | Director | 2026-05-11 | A | 45 | $30.20 | $1,359 |
| 2026-05-13 | FORTE ANDREW | Director | 2026-05-11 | A | 55 | $30.20 | $1,661 |
| 2026-05-13 | Gifford Jeffrey S | Director | 2026-05-11 | A | 45 | $30.20 | $1,359 |
| 2026-05-13 | Hungerford Meg L | Director | 2026-05-11 | A | 45 | $30.20 | $1,359 |
| 2026-05-06 | Carroll Joseph W | Director | 2026-05-05 | P | 76 | $29.46 | $2,239 |
| 2026-05-06 | Carroll Joseph W | Director | 2026-05-05 | P | 24 | $29.43 | $706 |
| 2026-05-06 | Carroll Joseph W | Director | 2026-05-05 | P | 100 | $29.44 | $2,944 |
| 2026-05-06 | Carroll Joseph W | Director | 2026-05-05 | P | 96 | $29.46 | $2,828 |
| 2026-05-06 | Carroll Joseph W | Director | 2026-05-05 | P | 100 | $29.42 | $2,942 |
| 2026-05-06 | Carroll Joseph W | Director | 2026-05-05 | P | 276 | $29.46 | $8,131 |
| 2026-05-04 | Carroll Joseph W | Director | 2026-05-01 | P | 180 | $29.61 | $5,330 |
| 2026-05-01 | Shook James | Director | 2026-04-30 | P | 375 | $29.06 | $10,898 |
| 2026-04-30 | McCaffery John Martin JR | Officer (EVP & CFO) | 2026-04-30 | P | 1,000 | $29.44 | $29,440 |
| 2026-04-30 | Donnelly James O | Director, Officer (President & CEO) | 2026-04-29 | P | 100 | $29.06 | $2,906 |
| 2026-04-14 | Shook James | Director | 2026-04-10 | A | 45 | $30.39 | $1,368 |
| 2026-04-14 | Carroll Joseph W | Director | 2026-04-10 | A | 45 | $30.39 | $1,368 |
| 2026-04-14 | Hungerford Meg L | Director | 2026-04-10 | A | 45 | $30.39 | $1,368 |
| 2026-04-14 | LAMONT KEVIN M | Director | 2026-04-10 | A | 45 | $30.39 | $1,368 |
| 2026-04-14 | Andress Spencer J | Director | 2026-04-10 | A | 45 | $30.39 | $1,368 |
| 2026-04-14 | Gifford Jeffrey S | Director | 2026-04-10 | A | 45 | $30.39 | $1,368 |
| 2026-04-14 | FORTE ANDREW | Director | 2026-04-10 | A | 55 | $30.39 | $1,671 |
| 2026-04-14 | Schmalzle Ronald R | Director | 2026-04-10 | A | 45 | $30.39 | $1,368 |
| 2026-04-14 | PHILLIPS KENNETH A | Director | 2026-04-10 | A | 45 | $30.39 | $1,368 |
| 2026-04-14 | Nolan Alexandra K | Director | 2026-04-10 | A | 45 | $30.39 | $1,368 |
| 2026-04-14 | Nacinovich Marissa S | Director | 2026-04-10 | A | 45 | $30.39 | $1,368 |
| 2026-04-14 | Matergia Ralph A | Director | 2026-04-10 | A | 45 | $30.39 | $1,368 |
| 2026-03-13 | Andress Spencer J | Director | 2026-03-11 | A | 46 | $29.40 | $1,352 |
| 2026-03-13 | FORTE ANDREW | Director | 2026-03-11 | A | 57 | $29.40 | $1,676 |
| 2026-03-13 | Gifford Jeffrey S | Director | 2026-03-11 | A | 46 | $29.40 | $1,352 |
| 2026-03-13 | Hungerford Meg L | Director | 2026-03-11 | A | 46 | $29.40 | $1,352 |
| 2026-03-13 | Shook James | Director | 2026-03-11 | A | 46 | $29.40 | $1,352 |
| 2026-03-13 | PHILLIPS KENNETH A | Director | 2026-03-11 | A | 46 | $29.40 | $1,352 |
| 2026-03-13 | Schmalzle Ronald R | Director | 2026-03-11 | A | 46 | $29.40 | $1,352 |
| 2026-03-13 | Nolan Alexandra K | Director | 2026-03-11 | A | 46 | $29.40 | $1,352 |
| 2026-03-13 | Nacinovich Marissa S | Director | 2026-03-11 | A | 46 | $29.40 | $1,352 |
| 2026-03-13 | Matergia Ralph A | Director | 2026-03-11 | A | 46 | $29.40 | $1,352 |
| 2026-03-13 | LAMONT KEVIN M | Director | 2026-03-11 | A | 46 | $29.40 | $1,352 |
| 2026-03-13 | Carroll Joseph W | Director | 2026-03-11 | A | 46 | $29.40 | $1,352 |
| 2026-02-17 | Gifford Jeffrey S | Director | 2026-02-11 | A | 43 | $31.62 | $1,360 |
| 2026-02-17 | Gifford Jeffrey S | Director | 2026-01-12 | A | 105 | $28.42 | $2,984 |
| 2026-02-17 | Gifford Jeffrey S | Director | 2025-10-10 | A | 116 | $28.42 | $3,297 |
| 2026-02-17 | Gifford Jeffrey S | Director | 2025-07-10 | A | 117 | $25.60 | $2,995 |
| 2026-02-17 | Gifford Jeffrey S | Director | 2025-04-10 | A | 123 | $24.33 | $2,993 |
| 2026-02-13 | Nacinovich Marissa S | Director | 2026-02-11 | A | 43 | $31.62 | $1,360 |
| 2026-02-13 | PHILLIPS KENNETH A | Director | 2026-02-11 | A | 43 | $31.62 | $1,360 |
| 2026-02-13 | Hungerford Meg L | Director | 2026-02-11 | A | 43 | $31.62 | $1,360 |
| 2026-02-13 | Matergia Ralph A | Director | 2026-02-11 | A | 43 | $31.62 | $1,360 |
| 2026-02-13 | Gifford Jeffrey S | Director | 2026-02-11 | A | 43 | $31.62 | $1,360 |
| 2026-02-13 | Nolan Alexandra K | Director | 2026-02-11 | A | 43 | $31.62 | $1,360 |
| 2026-02-13 | Schmalzle Ronald R | Director | 2026-02-11 | A | 43 | $31.62 | $1,360 |
| 2026-02-13 | Shook James | Director | 2026-02-11 | A | 43 | $31.62 | $1,360 |
| 2026-02-13 | LAMONT KEVIN M | Director | 2026-02-11 | A | 43 | $31.62 | $1,360 |
| 2026-02-13 | FORTE ANDREW | Director | 2026-02-11 | A | 53 | $31.62 | $1,676 |
| 2026-02-13 | Nacinovich Marissa S | Director | 2026-01-12 | A | 105 | $28.42 | $2,984 |
| 2026-02-13 | PHILLIPS KENNETH A | Director | 2026-01-12 | A | 105 | $28.42 | $2,984 |
| 2026-02-13 | Hungerford Meg L | Director | 2026-01-12 | A | 105 | $28.42 | $2,984 |
| 2026-02-13 | Matergia Ralph A | Director | 2026-01-12 | A | 105 | $28.42 | $2,984 |
| 2026-02-13 | Gifford Jeffrey S | Director | 2026-01-12 | A | 105 | $28.42 | $2,984 |
| 2026-02-13 | Nolan Alexandra K | Director | 2026-01-12 | A | 105 | $28.42 | $2,984 |
| 2026-02-13 | Schmalzle Ronald R | Director | 2026-01-12 | A | 105 | $28.42 | $2,984 |
| 2026-02-13 | Shook James | Director | 2026-01-12 | A | 105 | $28.42 | $2,984 |
| 2026-02-13 | LAMONT KEVIN M | Director | 2026-01-12 | A | 105 | $28.42 | $2,984 |
| 2026-02-13 | FORTE ANDREW | Director | 2026-01-12 | A | 105 | $28.42 | $2,984 |
| 2026-02-13 | Shook James | Director | 2025-11-03 | G | (409) | — | $-0 |
| 2026-02-13 | Shook James | Director | 2025-11-03 | G | 409 | — | $0 |
| 2026-02-13 | PHILLIPS KENNETH A | Director | 2025-10-10 | A | 116 | $25.84 | $2,997 |
| 2026-02-13 | Hungerford Meg L | Director | 2025-10-10 | A | 116 | $25.84 | $2,997 |
| 2026-02-13 | Matergia Ralph A | Director | 2025-10-10 | A | 116 | $25.84 | $2,997 |
| 2026-02-13 | Gifford Jeffrey S | Director | 2025-10-10 | A | 116 | $28.42 | $3,297 |
| 2026-02-13 | Nolan Alexandra K | Director | 2025-10-10 | A | 116 | $25.84 | $2,997 |
| 2026-02-13 | Schmalzle Ronald R | Director | 2025-10-10 | A | 116 | $25.84 | $2,997 |
| 2026-02-13 | LAMONT KEVIN M | Director | 2025-10-10 | A | 116 | $25.84 | $2,997 |
| 2026-02-13 | FORTE ANDREW | Director | 2025-10-10 | A | 116 | $25.84 | $2,997 |
| 2026-02-13 | PHILLIPS KENNETH A | Director | 2025-07-10 | A | 117 | $25.60 | $2,995 |
| 2026-02-13 | Hungerford Meg L | Director | 2025-07-10 | A | 117 | $25.60 | $2,995 |
| 2026-02-13 | Matergia Ralph A | Director | 2025-07-10 | A | 117 | $25.60 | $2,995 |
| 2026-02-13 | Gifford Jeffrey S | Director | 2025-07-10 | A | 117 | $25.60 | $2,995 |
| 2026-02-13 | Nolan Alexandra K | Director | 2025-07-10 | A | 117 | $25.60 | $2,995 |
| 2026-02-13 | LAMONT KEVIN M | Director | 2025-07-10 | A | 117 | $25.60 | $2,995 |
| 2026-02-13 | FORTE ANDREW | Director | 2025-07-10 | A | 117 | $25.60 | $2,995 |
| 2026-02-13 | PHILLIPS KENNETH A | Director | 2025-04-10 | A | 123 | $24.33 | $2,993 |
| 2026-02-13 | Hungerford Meg L | Director | 2025-04-10 | A | 123 | $24.33 | $2,993 |
| 2026-02-13 | Matergia Ralph A | Director | 2025-04-10 | A | 123 | $24.33 | $2,993 |
| 2026-02-13 | Gifford Jeffrey S | Director | 2025-04-10 | A | 123 | $24.33 | $2,993 |
| 2026-02-13 | Nolan Alexandra K | Director | 2025-04-10 | A | 123 | $24.33 | $2,993 |
| 2026-02-13 | LAMONT KEVIN M | Director | 2025-04-10 | A | 123 | $24.33 | $2,993 |
| 2026-02-13 | FORTE ANDREW | Director | 2025-04-10 | A | 123 | $24.33 | $2,993 |
| 2026-02-12 | LAMONT KEVIN M | Director | 2025-12-16 | A | 825 | $29.80 | $24,585 |
| 2026-01-29 | Carroll Joseph W | Director | 2026-01-28 | P | 4 | $28.05 | $112 |
| 2026-01-29 | Carroll Joseph W | Director | 2026-01-28 | P | 1,996 | $28.06 | $56,008 |
| 2026-01-29 | Carroll Joseph W | Director | 2026-01-28 | P | 2,000 | $28.21 | $56,420 |
| 2026-01-28 | Shook James | Director | 2026-01-28 | P | 3,500 | $28.80 | $100,800 |
| 2026-01-28 | Carroll Joseph W | Director | 2026-01-27 | P | 2,000 | $27.91 | $55,820 |
| 2026-01-28 | Donnelly James O | Director, Officer (President & CEO) | 2026-01-27 | P | 200 | $28.15 | $5,630 |
| 2025-12-22 | CARMODY JOHN F | Officer (EVP & Chief Credit Officer) | 2025-12-19 | F | (407) | $29.95 | -$12,190 |
| 2025-12-18 | LAMONT KEVIN M | Director | 2025-12-16 | A | 825 | $29.80 | $24,585 |
| 2025-12-18 | CARMODY JOHN F | Officer (EVP & Chief Credit Officer) | 2025-12-16 | A | 1,500 | $29.80 | $44,700 |
| 2025-12-18 | McCaffery John Martin JR | Officer (EVP & CFO) | 2025-12-16 | A | 2,000 | $29.80 | $59,600 |
| 2025-12-18 | Donnelly James O | Director, Officer (President & CEO) | 2025-12-16 | A | 6,651 | $29.80 | $198,200 |
| 2025-12-18 | Nolan Alexandra K | Director | 2025-12-16 | A | 825 | $29.80 | $24,585 |
| 2025-12-18 | Gifford Jeffrey S | Director | 2025-12-16 | A | 825 | $29.80 | $24,585 |
| 2025-12-18 | Hungerford Meg L | Director | 2025-12-16 | A | 825 | $29.80 | $24,585 |
| 2025-12-18 | Matergia Ralph A | Director | 2025-12-16 | A | 825 | $29.80 | $24,585 |
| 2025-12-18 | PHILLIPS KENNETH A | Director | 2025-12-16 | A | 825 | $29.80 | $24,585 |
| 2025-12-18 | FORTE ANDREW | Director | 2025-12-16 | A | 825 | $29.80 | $24,585 |
| 2025-12-18 | Nacinovich Marissa S | Director | 2025-12-16 | A | 825 | $29.80 | $24,585 |
| 2025-12-18 | Schmalzle Ronald R | Director | 2025-12-16 | A | 825 | $29.80 | $24,585 |
| 2025-12-18 | Shook James | Director | 2025-12-16 | A | 825 | $29.80 | $24,585 |
| 2025-11-04 | PHILLIPS KENNETH A | Director | 2025-10-31 | P | 100 | $26.50 | $2,650 |
| 2025-11-04 | PHILLIPS KENNETH A | Director | 2025-10-31 | G | (100) | — | $-0 |
| 2025-11-04 | PHILLIPS KENNETH A | Director | 2025-10-31 | P | 50 | $26.30 | $1,315 |
| 2025-11-04 | PHILLIPS KENNETH A | Director | 2025-10-31 | G | (50) | — | $-0 |
| 2025-10-28 | Shook James | Director | 2025-10-27 | P | 1,563 | $26.82 | $41,920 |
| 2025-10-28 | Shook James | Director | 2025-10-27 | P | 200 | $26.62 | $5,324 |
| 2025-10-28 | Shook James | Director | 2025-10-27 | P | 1,937 | $26.63 | $51,582 |
| 2025-10-28 | Shook James | Director | 2025-10-27 | P | 100 | $26.58 | $2,658 |
| 2025-08-06 | Donnelly James O | Director, Officer (President & CEO) | 2025-08-06 | P | 200 | $23.90 | $4,780 |
| 2025-08-05 | Schmalzle Ronald R | Director | 2025-08-05 | P | 600 | $24.35 | $14,610 |
| 2025-08-01 | McCaffery John Martin JR | Officer (EVP & CFO) | 2025-08-01 | P | 500 | $24.10 | $12,050 |
| 2025-07-31 | FORTE ANDREW | Director | 2025-07-29 | P | 400 | $24.57 | $9,826 |
| 2025-07-28 | Donnelly James O | Director, Officer (President & CEO) | 2025-07-25 | P | 100 | $24.40 | $2,440 |
| 2025-05-02 | McCaffery John Martin JR | Officer (EVP & CFO) | 2025-04-30 | P | 500 | $25.00 | $12,498 |
| 2025-04-29 | FORTE ANDREW | Director | 2025-04-25 | P | 485 | $24.50 | $11,882 |
| 2025-04-28 | Donnelly James O | Director, Officer (President & CEO) | 2025-04-24 | P | 100 | $24.30 | $2,430 |
| 2025-02-13 | CARMODY JOHN F | Officer (EVP & Chief Credit Officer) | 2024-12-20 | F | 392 | $30.61 | $11,999 |
| 2025-02-13 | O'Bell Vincent | Officer (EVP & Chief Lending Officer) | 2024-12-20 | P | 1,154 | $26.00 | $30,004 |
| 2025-02-13 | Donnelly James O | Director, Officer (President & CEO) | 2024-12-19 | P | 1,538 | $26.00 | $39,988 |
| 2025-02-07 | Schmalzle Ronald R | Director | 2025-02-07 | P | 2,800 | $26.49 | $74,175 |
| 2025-02-06 | Schmalzle Ronald R | Director | 2025-02-05 | P | 8,500 | $26.59 | $225,972 |
| 2025-02-06 | Schmalzle Ronald R | Director | 2025-02-04 | P | 6 | $26.00 | $156 |
| 2025-02-06 | Schmalzle Ronald R | Director | 2025-02-04 | P | 1,712 | $26.50 | $45,368 |
| 2025-02-06 | Schmalzle Ronald R | Director | 2025-02-04 | P | 839 | $26.30 | $22,064 |
| 2025-02-06 | Schmalzle Ronald R | Director | 2025-02-04 | P | 6 | $26.26 | $158 |
| 2025-02-06 | Schmalzle Ronald R | Director | 2025-01-31 | P | 3,129 | $26.00 | $81,354 |
| 2025-02-03 | Schmalzle Ronald R | Director | 2025-01-31 | P | 3,129 | $26.00 | $81,354 |
| 2025-01-31 | Schmalzle Ronald R | Director | 2025-01-30 | P | 2,000 | $26.00 | $52,000 |
| 2025-01-22 | Matergia Ralph A | Director | 2025-01-21 | A | 122 | $26.44 | $3,226 |
| 2025-01-22 | LAMONT KEVIN M | Director | 2025-01-21 | A | 122 | $26.44 | $3,226 |
| 2025-01-22 | Hungerford Meg L | Director | 2025-01-21 | A | 122 | $26.44 | $3,226 |
| 2025-01-22 | CRITELLI LEWIS J | Director, Other (Chairman of the Board) | 2025-01-21 | A | 122 | $26.44 | $3,226 |
| 2025-01-22 | Nolan Alexandra K | Director | 2025-01-21 | A | 122 | $26.44 | $3,226 |
| 2025-01-22 | FORTE ANDREW | Director | 2025-01-21 | A | 122 | $26.44 | $3,226 |
| 2025-01-22 | Gifford Jeffrey S | Director | 2025-01-21 | A | 122 | $26.44 | $3,226 |
| 2025-01-22 | CAMPFIELD SUSAN | Director | 2025-01-21 | A | 122 | $26.44 | $3,226 |
| 2025-01-22 | PHILLIPS KENNETH A | Director | 2025-01-21 | A | 122 | $26.44 | $3,226 |
| 2024-12-26 | Nolan Alexandra K | Director | 2024-12-24 | A | 825 | $27.25 | $22,481 |
| 2024-12-26 | CAMPFIELD SUSAN | Director | 2024-12-24 | A | 825 | $27.25 | $22,481 |
| 2024-12-26 | Gifford Jeffrey S | Director | 2024-12-24 | A | 825 | $27.25 | $22,481 |
| 2024-12-26 | Donnelly James O | Director, Officer (President & CEO) | 2024-12-24 | A | 5,923 | $27.25 | $161,402 |
| 2024-12-26 | CRITELLI LEWIS J | Director, Other (Chairman of the Board) | 2024-12-24 | A | 825 | $27.25 | $22,481 |
| 2024-12-26 | CARMODY JOHN F | Officer (EVP & Chief Credit Officer) | 2024-12-24 | A | 1,500 | $27.25 | $40,875 |
| 2024-12-26 | O'Bell Vincent | Officer (EVP & Chief Lending Officer) | 2024-12-24 | A | 1,500 | $27.25 | $40,875 |
| 2024-12-26 | Hungerford Meg L | Director | 2024-12-24 | A | 825 | $27.25 | $22,481 |
| 2024-12-26 | Matergia Ralph A | Director | 2024-12-24 | A | 825 | $27.25 | $22,481 |
| 2024-12-26 | LAMONT KEVIN M | Director | 2024-12-24 | A | 825 | $27.25 | $22,481 |
| 2024-12-26 | FORTE ANDREW | Director | 2024-12-24 | A | 825 | $27.25 | $22,481 |
| 2024-12-26 | Schmalzle Ronald R | Director | 2024-12-24 | A | 825 | $27.25 | $22,481 |
| 2024-12-26 | McCaffery John Martin JR | Officer (EVP & CFO) | 2024-12-24 | A | 1,500 | $27.25 | $40,875 |
| 2024-12-26 | PHILLIPS KENNETH A | Director | 2024-12-24 | A | 825 | $27.25 | $22,481 |
| 2024-12-23 | CARMODY JOHN F | Officer (EVP & Chief Credit Officer) | 2024-12-20 | F | (392) | $30.61 | -$11,999 |
| 2024-12-23 | McCaffery John Martin JR | Officer (EVP & CFO) | 2024-12-19 | A | 1,000 | $26.00 | $26,000 |
| 2024-12-23 | Hungerford Meg L | Director | 2024-12-19 | A | 961 | $26.00 | $24,986 |
| 2024-12-23 | O'Bell Vincent | Officer (EVP & Chief Lending Officer) | 2024-12-19 | A | 1,154 | $26.00 | $30,004 |
| 2024-12-23 | Schmalzle Ronald R | Director | 2024-12-19 | P | 7,692 | $26.00 | $199,992 |
| 2024-12-23 | Matergia Ralph A | Director | 2024-12-19 | A | 3,846 | $26.00 | $99,996 |
| 2024-12-23 | CRITELLI LEWIS J | Director, Other (Chairman of the Board) | 2024-12-19 | A | 1,000 | $26.00 | $26,000 |
| 2024-12-23 | LAMONT KEVIN M | Director | 2024-12-19 | A | 769 | $26.00 | $19,994 |
| 2024-12-23 | FORTE ANDREW | Director | 2024-12-19 | A | 384 | $26.00 | $9,984 |
| 2024-12-23 | Gifford Jeffrey S | Director | 2024-12-19 | A | 5,000 | $26.00 | $130,000 |
| 2024-12-23 | Donnelly James O | Director, Officer (President & CEO) | 2024-12-19 | A | 1,538 | $26.00 | $39,988 |
| 2024-09-11 | Schmalzle Ronald R | Director | 2024-09-10 | P | 7,400 | $27.00 | $199,800 |
| 2024-08-15 | McCaffery John Martin JR | Officer (EVP & CFO) | 2024-08-14 | P | 200 | $25.00 | $5,000 |
| 2024-08-13 | McCaffery John Martin JR | Officer (EVP & CFO) | 2024-08-13 | P | 200 | $25.15 | $5,030 |
| 2024-08-13 | McCaffery John Martin JR | Officer (EVP & CFO) | 2024-08-12 | P | 145 | $25.50 | $3,698 |
| 2024-08-13 | McCaffery John Martin JR | Officer (EVP & CFO) | 2024-08-09 | P | 26 | $25.90 | $673 |
| 2024-08-13 | McCaffery John Martin JR | Officer (EVP & CFO) | 2024-08-09 | P | 224 | $25.80 | $5,779 |
| 2024-08-08 | McCaffery John Martin JR | Officer (EVP & CFO) | 2024-08-08 | P | 205 | $25.74 | $5,277 |
| 2024-08-08 | McCaffery John Martin JR | Officer (EVP & CFO) | 2024-08-08 | P | 100 | $25.75 | $2,575 |
| 2024-08-08 | McCaffery John Martin JR | Officer (EVP & CFO) | 2024-08-06 | P | 250 | $25.60 | $6,400 |
| 2024-08-06 | McCaffery John Martin JR | Officer (EVP & CFO) | 2024-08-05 | P | 150 | $25.29 | $3,794 |
| 2024-08-06 | McCaffery John Martin JR | Officer (EVP & CFO) | 2024-08-05 | P | 250 | $26.76 | $6,690 |
| 2024-08-06 | McCaffery John Martin JR | Officer (EVP & CFO) | 2024-08-02 | P | 250 | $27.00 | $6,750 |