{"filings":[{"id":90580,"accession_number":"0001193125-26-203951","cik":1013272,"company_name":"NORWOOD FINANCIAL CORP","ticker":"NWFL","form_type":"8-K","filed_at":"2026-05-04T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Norwood Financial Corp shareholders re-elect directors, ratify auditor, approve say-on-pay","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Directors Lamont, Phillips, and Gifford re-elected with over 5.7 million votes each.","Ratification of S.R. Snodgrass as auditor for 2026: 7.96M for, 51K against, 301K abstain.","Non-binding say-on-pay resolution approved: 5.28M for, 802K against, 237K abstain."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.15,"market_cap_usd":335760269.95342016,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":90579,"accession_number":"0001193125-26-183573","cik":1013272,"company_name":"NORWOOD FINANCIAL CORP","ticker":"NWFL","form_type":"8-K","filed_at":"2026-04-28T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Norwood Financial holds 2026 annual meeting; presentation discusses financial performance and strategies","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["April 28, 2026 virtual annual meeting slideshow furnished as Exhibit 99.1.","Presentation covers financial performance and business strategies; no specific financial metrics extracted from garbled exhibit.","Forward-looking statements disclaimer included; no material new disclosures identifiable from available text."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":335760269.95342016,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":90578,"accession_number":"0001193125-26-179294","cik":1013272,"company_name":"NORWOOD FINANCIAL CORP","ticker":"NWFL","form_type":"8-K","filed_at":"2026-04-27T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Norwood Financial Q1 net income $3.73M, EPS $0.35; closed Presence Bancshares acquisition","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Record net interest income $24.6M; NIM 3.68% vs 3.30% YoY; net interest spread 3.04%.","Reported net income $3.73M ($0.35 diluted EPS) down from $5.77M; adjusted net income $7.81M ($0.72).","Acquisition of Presence Bancshares closed Jan 5, 2026; TBV per share $22.43, diluted $0.52 from $22.90.","Total assets $2.917B, deposits $2.507B, loans $2.238B; tangible common equity / assets 8.49%."],"consensus_eps_estimate":null,"consensus_eps_actual":0.35,"consensus_revenue_estimate":null,"consensus_revenue_actual":2276000.0,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":335760269.95342016,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":100231,"accession_number":"0001193125-26-103217","cik":1013272,"company_name":"NORWOOD FINANCIAL CORP","ticker":"NWFL","form_type":"8-K/A","filed_at":"2026-03-12T23:59:59+00:00","items":["9.01"],"status":"ready","headline":"Norwood Financial closes PB Bankshares acquisition for $58.3M; pro forma EPS $2.08 for 9M 2025","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Acquisition closed Jan 5, 2026; 80% stock (0.7850x NWFL shares) and 20% cash ($19.75/sh) consideration.","Total purchase price ~$58.3M; goodwill of $13.0M recorded; pro forma total assets $2.87B.","Pro forma net income for 9M ended Sep 30, 2025: $22.6M ($2.08 diluted EPS), vs Norwood standalone $20.3M ($2.20 EPS).","Pro forma net loss for FY 2024: $(3.3M) ($0.34 loss per share), reflecting $6.8M Norwood merger charges.","Pro forma book value per share $25.26 as of Sep 30, 2025, vs Norwood standalone $25.37."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":335760269.95342016,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":100234,"accession_number":"0001193125-26-018738","cik":1013272,"company_name":"NORWOOD FINANCIAL CORP","ticker":"NWFL","form_type":"8-K","filed_at":"2026-01-22T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Norwood Financial reports Q4 net income $7.4M ($0.81 EPS); closes Presence Bank acquisition","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 net income of $7.4M ($0.81 diluted EPS) vs net loss of $12.7M ($-1.54) in Q4 2024.","Full year 2025 net income $27.8M ($3.01 EPS) vs $0.2M net loss ($-0.02) in 2024.","Net interest margin expanded 58 bps to 3.49%; loan growth 8.2%, deposit growth 11.8%.","Tangible book value per share up 15.4% to $22.90 from $19.85.","Closed acquisition of Presence Bank on January 5, 2026, expanding geographic reach."],"consensus_eps_estimate":null,"consensus_eps_actual":3.01,"consensus_revenue_estimate":null,"consensus_revenue_actual":7999000.0,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":335760269.95342016,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":100233,"accession_number":"0001193125-26-009896","cik":1013272,"company_name":"NORWOOD FINANCIAL CORP","ticker":"NWFL","form_type":"8-K","filed_at":"2026-01-12T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Norwood Financial announces Q4 2025 earnings release date and conference call","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Q4 2025 results will be released before market open on January 22, 2026.","Webcast and conference call scheduled for 9:00 a.m. ET on the same day.","Registration and dial-in details provided; slide presentation available on IR website."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":335760269.95342016,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":100232,"accession_number":"0001193125-26-001612","cik":1013272,"company_name":"NORWOOD FINANCIAL CORP","ticker":"NWFL","form_type":"8-K","filed_at":"2026-01-05T23:59:59+00:00","items":["2.01","5.02","7.01","8.01","9.01"],"status":"ready","headline":"Norwood Financial completes acquisition of PB Bankshares; $456M in assets added","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Each PB Bankshares share converted to $19.75 cash or 0.7850 shares of NWFL; total consideration ~$10.5M cash + 1.67M NWFL shares.","87% of PB Bankshares shares elected stock; combined company has ~$2.9B assets and 33 offices.","Janak M. Amin appointed EVP & COO under 3-year employment agreement with $400K base salary and stay bonuses totaling $564K.","Joseph W. Carroll and Spencer J. Andress appointed to Norwood and Wayne Bank boards.","Larry W. Witt named EVP & CIO; Douglas L. Byers named EVP & Market President for Central PA."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":335760269.95342016,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":116573,"accession_number":"0001193125-25-322570","cik":1013272,"company_name":"NORWOOD FINANCIAL CORP","ticker":"NWFL","form_type":"8-K","filed_at":"2025-12-17T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Norwood Financial declares $0.32 quarterly dividend, up $0.01 from Q4 2024","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly dividend of $0.32 per share declared; payable Feb 2, 2026 to holders of record Jan 15, 2026.","$0.01 increase over the dividend declared in Q4 2024, reflecting financial strength.","Total assets $2.412B, loans $1.815B, deposits $2.074B, capital $234.9M as of Sep 30, 2025.","CEO comments on strong capital position and solid performance."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.45,"calibrated_materiality_score":0.45,"market_cap_usd":335760269.95342016,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":116572,"accession_number":"0001193125-25-317294","cik":1013272,"company_name":"NORWOOD FINANCIAL CORP","ticker":"NWFL","form_type":"8-K","filed_at":"2025-12-12T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Norwood receives final regulatory approvals for PB Bankshares acquisition; closing expected Jan 5, 2026","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Norwood received final regulatory approvals for its acquisition of PB Bankshares, Inc.","PB Bankshares shareholders approved the merger on Dec 11, 2025.","Closing expected on or about January 5, 2026, subject to customary closing conditions.","Norwood CEO expects combination to create value and expand services for customers."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":335760269.95342016,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":116571,"accession_number":"0001193125-25-245860","cik":1013272,"company_name":"NORWOOD FINANCIAL CORP","ticker":"NWFL","form_type":"8-K","filed_at":"2025-10-22T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Norwood Financial Q3 net income $8.3M, EPS $0.89 (+85% YoY); NIM expands to 3.63%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Diluted EPS of $0.89 vs $0.48 in Q3 2024; adjusted EPS of $0.94 excluding merger charges.","Net interest margin (fte) rose to 3.63% from 2.99% YoY; net interest income up $4.5M.","Loans grew 8.3% YoY to $1.815B; deposits up 11.8% to $2.074B; total assets $2.412B.","Tangible book value per share increased to $22.19 from $19.85 at Dec 31, 2024.","Efficiency ratio improved to 56.3% from 66.0% in Q3 2024; ROA 1.40%."],"consensus_eps_estimate":null,"consensus_eps_actual":2.22,"consensus_revenue_estimate":null,"consensus_revenue_actual":5890000.0,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":335760269.95342016,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":116570,"accession_number":"0001193125-25-238605","cik":1013272,"company_name":"NORWOOD FINANCIAL CORP","ticker":"NWFL","form_type":"8-K","filed_at":"2025-10-14T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Norwood Financial to release Q3 2025 results on Oct 22; webcast at 9 a.m. ET","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Earnings release before market open on Wednesday, October 22, 2025.","Conference call and webcast at 9:00 a.m. ET on same day; registration link provided.","Slide presentation available for download on Investor Relations website ir.wayne.bank.","Replay and transcript accessible after call via the same link."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":335760269.95342016,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":133013,"accession_number":"0001193125-25-206042","cik":1013272,"company_name":"NORWOOD FINANCIAL CORP","ticker":"NWFL","form_type":"8-K","filed_at":"2025-09-17T23:59:59+00:00","items":["5.02","8.01","9.01"],"status":"ready","headline":"Norwood Financial declares $0.31 dividend (+$0.01) and announces board leadership changes","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Lewis J. Critelli retired as Chairman and Board member, appointed Chairman Emeritus.","Dr. Andrew A. Forte appointed Chairman of the Board; Kevin Lamont named Vice Chairman.","James Shook and Dr. Marissa S. Nacinovich appointed to the Board of Norwood Financial and Wayne Bank.","Quarterly dividend increased $0.01 to $0.31 per share, payable Nov 3, 2025 to holders of record Oct 15, 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.45,"calibrated_materiality_score":0.45,"market_cap_usd":335760269.95342016,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":133012,"accession_number":"0001193125-25-163087","cik":1013272,"company_name":"NORWOOD FINANCIAL CORP","ticker":"NWFL","form_type":"8-K","filed_at":"2025-07-23T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Norwood Financial Q2 net income $6.2M, EPS $0.67, up 29% YoY; NIM expands to 3.43%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q2 net income $6.2M vs $4.2M a year ago; diluted EPS $0.67 vs $0.52, a 29% increase.","Net interest margin (FTE) 3.43%, up 63 bps YoY and 13 bps linked-quarter.","Total loans $1.791B (+9.1% YoY), deposits $1.997B (+10.3% YoY).","Return on assets 1.06% vs 0.75%; efficiency ratio improved to 58.7% from 66.7%.","Tangible book value per share $21.17, up from $19.85 at Dec 31, 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":1.3,"consensus_revenue_estimate":null,"consensus_revenue_actual":3848000.0,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":335760269.95342016,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":133011,"accession_number":"0001193125-25-156255","cik":1013272,"company_name":"NORWOOD FINANCIAL CORP","ticker":"NWFL","form_type":"8-K","filed_at":"2025-07-07T23:59:59+00:00","items":["1.01","7.01","8.01","9.01"],"status":"ready","headline":"Norwood Financial to acquire PB Bankshares for ~$54.9M in stock/cash mix","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["80% stock (0.7850 NWFL shares) or $19.75 cash per PBBK share; total consideration ~$54.9M.","Deal valued at 106.6% of PBBK tangible book value; 2.3% core deposit premium.","Expected 10% EPS accretion in 2026, 4.2% TBV dilution, earnback period of 2.5 years.","Combined company to have ~$3.0B assets; PBBK shareholders to own ~14% of NWFL post-close.","PBBK CEO Janak Amin to stay as EVP/COO of Wayne Bank; closing expected late 2025/early 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":335760269.95342016,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":149580,"accession_number":"0001193125-25-142744","cik":1013272,"company_name":"NORWOOD FINANCIAL CORP","ticker":"NWFL","form_type":"8-K","filed_at":"2025-06-18T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Norwood Financial Corp increases quarterly dividend to $0.31 per share, up $0.01","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly cash dividend raised to $0.31 per share from $0.30 in Q2 2024, a 3.3% increase.","Dividend payable on August 1, 2025 to stockholders of record as of July 15, 2025.","CEO cites financial strength and strong capital position; total assets $2.376B as of March 31, 2025.","NWFL trades on Nasdaq Global Market under symbol NWFL."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":335760269.95342016,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":149579,"accession_number":"0001193125-25-092425","cik":1013272,"company_name":"NORWOOD FINANCIAL CORP","ticker":"NWFL","form_type":"8-K","filed_at":"2025-04-24T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Norwood Financial reports annual meeting vote results; all director nominees elected","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Dr. Andrew A. Forte received 5,198,664 votes for and 301,284 withheld; Alexandra K. Nolan received 5,158,906 for and 341,597 withheld.","Ralph A. Matergia received 3,309,630 for and 2,190,873 withheld; broker non-votes of 1,772,443 on all nominees.","Ratification of S.R. Snodgrass P.C. as auditor passed with 6,925,953 for, 41,637 against, 305,356 abstain.","Annual meeting held April 22, 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":335760269.95342016,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":149578,"accession_number":"0001193125-25-087962","cik":1013272,"company_name":"NORWOOD FINANCIAL CORP","ticker":"NWFL","form_type":"8-K","filed_at":"2025-04-22T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Norwood Financial furnishes annual meeting slide presentation with no specific new details provided","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Slide presentation used at April 22, 2025 Annual Shareholders' Meeting filed as Exhibit 99.1.","Presentation content is not included in the filing; only the exhibit reference is provided.","No financial or operational updates are extractable from the furnished text."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":335760269.95342016,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":149577,"accession_number":"0001193125-25-083659","cik":1013272,"company_name":"NORWOOD FINANCIAL CORP","ticker":"NWFL","form_type":"8-K","filed_at":"2025-04-17T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Norwood Financial Q1 EPS $0.63, up 14.5% YoY; NIM expands 11 bps YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Diluted EPS $0.63 vs $0.55 in Q1 2024, a 14.5% increase.","Net interest margin increased 30 bps linked quarter and 11 bps YoY to 3.30% (fte).","Loans grew at a 13.5% annualized rate during Q1 2025.","Net income $5.8M vs $4.4M in prior year; return on assets 1.01% vs 0.80%.","Deposit growth allowed reduction in wholesale borrowings; capital improved."],"consensus_eps_estimate":null,"consensus_eps_actual":0.63,"consensus_revenue_estimate":null,"consensus_revenue_actual":1979000.0,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":335760269.95342016,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":168647,"accession_number":"0001193125-25-068792","cik":1013272,"company_name":"NORWOOD FINANCIAL CORP","ticker":"NWFL","form_type":"8-K","filed_at":"2025-03-31T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Norwood Financial declares $0.31 quarterly dividend, up $0.01 from prior year","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Dividend of $0.31 per share payable May 1, 2025 to holders of record April 15, 2025.","Represents a $0.01 increase over the $0.30 dividend declared in Q1 2024.","CEO Donnelly cited the company's financial strength and strong capital position.","Norwood had $2.317B in assets, $1.859B deposits, and $214M capital as of Dec 31, 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":335760269.95342016,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":168646,"accession_number":"0001193125-25-028624","cik":1013272,"company_name":"NORWOOD FINANCIAL CORP","ticker":"NWFL","form_type":"8-K","filed_at":"2025-02-18T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Norwood Financial Corp director Susan Campfield retires after 19 years","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Susan Campfield retired from the boards of Norwood Financial Corp and Wayne Bank effective Feb 18, 2025.","Campfield served as director for 19 years, joining in 2006.","No replacement for Campfield has been announced.","Campfield was also former President and CEO of Gumble Brothers, Inc."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.45,"calibrated_materiality_score":0.45,"market_cap_usd":335760269.95342016,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":168645,"accession_number":"0001193125-25-015011","cik":1013272,"company_name":"NORWOOD FINANCIAL CORP","ticker":"NWFL","form_type":"8-K","filed_at":"2025-01-29T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Norwood Financial Corp presents December 31, 2024 financial highlights at Janney Conference","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Presentation includes financial highlights as of December 31, 2024.","Presentation given at Janney Investor Conference on January 29, 2025.","Exhibit 99.1 contains the investor presentation filed with the 8-K.","Information is furnished under Item 7.01 and not deemed filed."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":335760269.95342016,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":168644,"accession_number":"0001193125-25-013534","cik":1013272,"company_name":"NORWOOD FINANCIAL CORP","ticker":"NWFL","form_type":"8-K","filed_at":"2025-01-28T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Norwood Financial posts Q4 net loss of $12.7M on $20M securities repositioning loss, NIM expands 11 bps","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss of $12.7M (-$1.54 diluted EPS) for Q4 2024 vs net income of $355k in Q4 2023; full-year net loss $160k.","One-time $20M loss on sale of securities in December to reposition investment portfolio for higher future yields.","Net interest margin (fte) improved to 3.04% in Q4 2024 from 2.93% in Q4 2023; net interest income up $1.3M YoY.","Loans grew at 9% annualized rate in Q4; tangible common equity rose to 8.05% from 6.98% after capital raise.","Total assets $2.317B, loans $1.693B, deposits $1.859B as of Dec 31, 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.02,"consensus_revenue_estimate":null,"consensus_revenue_actual":7399000.0,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":335760269.95342016,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":185765,"accession_number":"0001193125-24-284240","cik":1013272,"company_name":"NORWOOD FINANCIAL CORP","ticker":"NWFL","form_type":"8-K","filed_at":"2024-12-23T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Norwood Financial completes $30M stock offering; plans bond repositioning at ~5% yield","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Issued over 1M new common shares, generating ~$30M in gross proceeds.","Proceeds used to reposition less than half of bond portfolio from ~2% to ~5% reinvestment rate.","Q4 accounting loss expected from bond sale; repositioning described as long-term accretive.","Capital ratios improved; company notes interest from high-quality long-term community bank investors."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":335760269.95342016,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":185764,"accession_number":"0001193125-24-283904","cik":1013272,"company_name":"NORWOOD FINANCIAL CORP","ticker":"NWFL","form_type":"8-K","filed_at":"2024-12-23T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Norwood Financial completes sale of additional 150,000 shares in underwritten offering","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Underwriters exercised option for 150,000 shares at $26.00 per share, closed Dec 23, 2024.","Total offering includes 1,150,000 shares (initial 1M + option) raising ~$29.9M before expenses.","Underwriters: Piper Sandler & Co and Janney Montgomery Scott LLC."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":335760269.95342016,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":185763,"accession_number":"0001193125-24-282037","cik":1013272,"company_name":"NORWOOD FINANCIAL CORP","ticker":"NWFL","form_type":"8-K","filed_at":"2024-12-19T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Norwood Financial declares $0.31 quarterly dividend, up 3.33% from prior year; correction shifts pay date to Feb 3","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["$0.31 per share quarterly dividend declared, payable Feb 3, 2025 (corrected from Feb 1) to holders of record Jan 15, 2025.","Dividend increased $0.01 from Q3 2024 and 3.33% from Q4 2023.","CEO James Donnelly cites financial strength and strong capital position.","As of Sep 30, 2024: assets $2.3B, loans $1.7B, deposits $1.9B, capital $196M."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.45,"calibrated_materiality_score":0.45,"market_cap_usd":335760269.95342016,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":185762,"accession_number":"0001193125-24-281368","cik":1013272,"company_name":"NORWOOD FINANCIAL CORP","ticker":"NWFL","form_type":"8-K","filed_at":"2024-12-18T23:59:59+00:00","items":["1.01","7.01","9.01"],"status":"ready","headline":"Norwood Financial Corp prices 1M-share public offering at $26.00 for ~$26M gross","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Offering of 1,000,000 shares at $26.00 per share; net proceeds ~$24.4M after discounts and expenses.","Over-allotment option of 150,000 shares (30-day) could bring total gross to ~$30M.","Proceeds to support bank capital ratios for repositioning of AFS debt securities portfolio and general corporate purposes.","Closing expected December 19, 2024; Piper Sandler and Janney Montgomery Scott are underwriters.","Directors and officers subject to 90-day lock-up on sales of common stock."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":335760269.95342016,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":185761,"accession_number":"0001193125-24-252746","cik":1013272,"company_name":"NORWOOD FINANCIAL CORP","ticker":"NWFL","form_type":"8-K","filed_at":"2024-11-07T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Norwood Financial posts investor presentation with Sep 30, 2024 highlights; no specific data in filing","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Presentation includes financial highlights as of September 30, 2024, but full content not provided in 8-K.","Presentation posted on company website and furnished as Exhibit 99.1; not filed with SEC.","No revenue, EPS, or other quantitative metrics disclosed in the 8-K filing text."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":335760269.95342016,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":185760,"accession_number":"0001193125-24-244750","cik":1013272,"company_name":"NORWOOD FINANCIAL CORP","ticker":"NWFL","form_type":"8-K","filed_at":"2024-10-28T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Norwood Financial Q3 EPS $0.48; NIM up to 2.99%; loans grow 8% annualized","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $3.8M vs $4.0M in Q3 2023; diluted EPS $0.48 vs $0.51.","Net interest margin (fte) 2.99%, up 19 bps from prior quarter and 7 bps YoY.","Loans grew 8% annualized in Q3 to $1.675B; total assets $2.280B.","Capital improvement: negative mark-to-market effect on securities down 42% vs last year.","Credit quality metrics remain strong; provision for credit losses increased due to loan growth."],"consensus_eps_estimate":null,"consensus_eps_actual":1.55,"consensus_revenue_estimate":null,"consensus_revenue_actual":5466000.0,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":335760269.95342016,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":185759,"accession_number":"0001193125-24-234413","cik":1013272,"company_name":"NORWOOD FINANCIAL CORP","ticker":"NWFL","form_type":"8-K","filed_at":"2024-10-08T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Norwood Financial declares $0.30 quarterly dividend, up 3.5% YoY","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Cash dividend of $0.30 per share payable Nov 1, 2024 to holders of record Oct 18, 2024.","Dividend unchanged from Q2 2024; represents 3.5% increase over Q3 2023 dividend.","CEO cites financial strength and strong capital position as basis for dividend.","As of June 30, 2024: total assets $2.235B, loans $1.641B, deposits $1.811B, capital $182.2M."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":335760269.95342016,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":202327,"accession_number":"0001193125-24-196577","cik":1013272,"company_name":"NORWOOD FINANCIAL CORP","ticker":"NWFL","form_type":"8-K","filed_at":"2024-08-08T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Norwood Financial posts investor presentation with June 30, 2024 data; details not in 8-K exhibit text.","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Filed updated investor presentation on Form 8-K with financial highlights as of June 30, 2024.","Presentation posted on company website (www.waynebank.com) and furnished as Exhibit 99.1.","No specific financial figures from the presentation are included in the filing text or exhibit."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":335760269.95342016,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":202326,"accession_number":"0001193125-24-185504","cik":1013272,"company_name":"NORWOOD FINANCIAL CORP","ticker":"NWFL","form_type":"8-K","filed_at":"2024-07-26T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Norwood Financial Q2 EPS $0.52 vs $0.81 YoY; net interest margin down to 2.79%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $4.213M for Q2 2024, down $2.290M from Q2 2023 due to higher provision for credit losses (+$2.097M).","Net interest margin (fte) fell to 2.79% from 3.09% a year ago; cost of interest-bearing liabilities rose 108 bps.","Loan growth annualized 4.9% linked quarter; total deposits declined $28M driven by seasonal municipal outflow of $53M.","Other expenses increased $506K to $11.444M; core operating expenses held at 2% of average assets.","Six-month EPS $1.07 vs $1.51; annualized ROA 0.78%, ROATCE 11.46%."],"consensus_eps_estimate":null,"consensus_eps_actual":1.07,"consensus_revenue_estimate":null,"consensus_revenue_actual":3592000.0,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":335760269.95342016,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":202325,"accession_number":"0001193125-24-181074","cik":1013272,"company_name":"NORWOOD FINANCIAL CORP","ticker":"NWFL","form_type":"8-K","filed_at":"2024-07-18T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Norwood Financial appoints Ronald R. Schmalzle as director","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Ronald R. Schmalzle appointed to boards of Norwood Financial Corp and Wayne Bank, effective July 16, 2024.","He will serve with the class expiring at the 2027 Annual Meeting of Stockholders.","He will receive same compensation as other non-employee directors and is eligible for equity awards under the 2024 Equity Incentive Plan.","Largest aggregate outstanding loan balance to Schmalzle or his related interest was $670,000 in FY 2023, on normal terms.","Schmalzle is a Pike County Commissioner and President/Co-Owner of Recreation Management Corp, with extensive community involvement."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":335760269.95342016,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":218435,"accession_number":"0001193125-24-169106","cik":1013272,"company_name":"NORWOOD FINANCIAL CORP","ticker":"NWFL","form_type":"8-K","filed_at":"2024-06-26T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Norwood Financial declares $0.30 quarterly dividend, 3.5% increase YoY","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["$0.30 per share cash dividend declared, payable Aug 1, 2024, to holders of record July 15, 2024.","Represents 3.5% increase over Q2 2023 dividend; flat vs Q1 2024.","CEO James O. Donnelly cites financial strength and strong capital position.","As of March 31, 2024: total assets $2.260B, deposits $1.839B, total capital $181.2M."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":335760269.95342016,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":218434,"accession_number":"0001193125-24-166385","cik":1013272,"company_name":"NORWOOD FINANCIAL CORP","ticker":"NWFL","form_type":"8-K","filed_at":"2024-06-24T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Norwood Financial names John McCaffery as CFO; outgoing CFO Lance to retire Aug 2","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["John McCaffery appointed EVP and CFO effective June 24, 2024; 30 yrs finance experience, former CFO at Newtek Bank and Bridge Bancorp.","William Lance steps down as CFO, becomes EVP & Chief Strategic Officer until retirement on August 2, 2024.","Employment agreement: $340k base salary, $600/mo car allowance, sign-on equity award $25k in stock vesting over 5 years.","Severance: one-year base salary for involuntary termination without cause; 200% base plus pro-rata bonus upon change-in-control termination."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":335760269.95342016,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":218433,"accession_number":"0001193125-24-165190","cik":1013272,"company_name":"NORWOOD FINANCIAL CORP","ticker":"NWFL","form_type":"8-K","filed_at":"2024-06-21T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Norwood Financial adopts deferred compensation plans for executives and directors","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Executive Elective Deferral Plan allows eligible management to defer salary & bonus; interest = WSJ prime + 200 bps (max 9%, min 2%).","Director Deferred Fee Plan permits non-employee directors to defer cash fees; same interest rate structure.","Both plans are unfunded, unsecured liabilities; conform to IRC Section 409A.","Deferral elections for 2024 must be made within 30 days of eligibility; future years by prior year-end.","Interest retroactively drops to 2% if participant violates non-compete/non-solicitation provisions."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":335760269.95342016,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":218432,"accession_number":"0001193125-24-142855","cik":1013272,"company_name":"NORWOOD FINANCIAL CORP","ticker":"NWFL","form_type":"8-K","filed_at":"2024-05-20T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Norwood Financial posts updated investor presentation with Q1 2024 highlights","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Company posted an updated investor presentation on its website as of May 20, 2024.","Presentation includes financial highlights for the quarter ended March 31, 2024.","No specific financial figures provided in the filing excerpt; presentation is available at www.waynebank.com."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":335760269.95342016,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":218431,"accession_number":"0001193125-24-116054","cik":1013272,"company_name":"NORWOOD FINANCIAL CORP","ticker":"NWFL","form_type":"8-K","filed_at":"2024-04-26T23:59:59+00:00","items":["5.07","9.01"],"status":"ready","headline":"Norwood Financial reports Q1 2024 net income $4.4M, EPS $0.55","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q1 2024 earnings $4.4M, diluted EPS $0.55; assets $2.3B, loans $1.6B, deposits $1.8B.","Loan growth 4.5% annualized, deposit growth 9.8% annualized, NIM 2.79%.","Shareholders re-elected directors Critelli, Donnelly, Hungerford; approved 2024 Equity Incentive Plan.","Ratified S.R. Snodgrass, P.C. as independent auditor for FY2024.","2023 highlights cited: loan growth 8.8%, deposit growth 3.9%, increased cash dividends."],"consensus_eps_estimate":null,"consensus_eps_actual":0.55,"consensus_revenue_estimate":null,"consensus_revenue_actual":1711000.0,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":335760269.95342016,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":218430,"accession_number":"0001193125-24-106112","cik":1013272,"company_name":"NORWOOD FINANCIAL CORP","ticker":"NWFL","form_type":"8-K","filed_at":"2024-04-23T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Norwood Financial annual meeting presentation references 2023 results and Q1 2024 outlook; no specific figures disclosed","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Slide deck used at April 23, 2024 annual meeting covers 2023 results and first quarter 2024 outlook.","No specific financial figures or metrics from the presentation are included in the filing excerpt.","The presentation is a routine update for shareholders and does not appear to contain material new information."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":335760269.95342016,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":218429,"accession_number":"0001193125-24-103920","cik":1013272,"company_name":"NORWOOD FINANCIAL CORP","ticker":"NWFL","form_type":"8-K","filed_at":"2024-04-22T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Norwood Financial Q1 net income falls 23% to $4.4M; EPS $0.55 vs $0.71","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $4.4M, down 23% YoY; diluted EPS $0.55 vs $0.71.","Net interest income (fte) fell to $14.9M from $16.3M; spread narrowed to 2.07% from 2.83%.","Total assets grew to $2.260B; loans annualized growth 4.5%, deposits 9.8%.","Provision for credit losses decreased $924,000 on lower NPLs and charge-offs.","CEO cites pressure on net interest income from rising deposit costs; capital remains well-capitalized."],"consensus_eps_estimate":null,"consensus_eps_actual":0.55,"consensus_revenue_estimate":null,"consensus_revenue_actual":1711000.0,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":335760269.95342016,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":null}