{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-23-016954","form_type":"8-K","ticker":"NWFL","cik":"0001013272","company_name":"NORWOOD FINANCIAL CORP","filed_at":"2023-01-27T23:59:59+00:00","discovered_at":"2026-05-14T18:03:43.484032+00:00","generated_at":"2026-06-20T07:00:03.703344+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Norwood Financial posts FY 2022 net income $29.2M, EPS $3.58; dividend up 3.6%","bullets":["Full-year net income $29,233K vs $24,915K in 2021 (17% increase); diluted EPS $3.58 vs $3.05.","Q4 net income $7,140K vs $6,638K; diluted EPS $0.88 vs $0.81.","Total assets $2.047B; loans grew 8.8% to $1.474B; deposits $1.728B.","Return on average assets 1.43%, return on average equity 16.11% for 2022.","Quarterly cash dividend raised to $0.29/share, up 3.6% from prior year."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-23-016954","json":"https://secwatch.observer/filing/0001193125-23-016954.json","markdown":"https://secwatch.observer/filing/0001193125-23-016954.md","text":"https://secwatch.observer/filing/0001193125-23-016954.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1013272/000119312523016954/0001193125-23-016954-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1013272/000119312523016954/d437859d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T07:00:03.703344+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"912c70b86774eeac78e5921977c21008680e0a61","claim":"NORWOOD FINANCIAL CORP reported three months ended December 31, 2022 results: net income $7,140,000, EPS $0.88.","evidence_excerpt":"announced net income for the three months ended December 31, 2022 of $7,140,000 compared to the net income of $6,638,000 earned in the three months ended December 31, 2021. The increase in net income was due primarily to a $736,000 increase in net interest income. For the year ended December 31, 2022, net income totaled $29,233,000, an increase of $4,318,000 from net income of $24,915,000 earned in year ended December 31, 2021. The increase includes a $3,084,000 increase in net interest income and a $3,300,000 reduction in the provision for loan losses. Earnings per share (fully diluted) were $0.88 and $0.81 for the three-month periods ended December 31, 2022 and 2021, respectively.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1013272/000119312523016954/0001193125-23-016954-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"three months ended December 31, 2022"},{"label":"Net income","value":"$7,140,000"},{"label":"EPS","value":"$0.88"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"f27b193eacbff37b3760686ec1840ee0e5cf1dad","claim":"NORWOOD FINANCIAL CORP reported year ended December 31, 2022 results: net income $29,233,000, EPS $3.58.","evidence_excerpt":"For the year ended December 31, 2022, net income totaled $29,233,000, an increase of $4,318,000 from net income of $24,915,000 earned in year ended December 31, 2021. The increase includes a $3,084,000 increase in net interest income and a $3,300,000 reduction in the provision for loan losses. Earnings per share (fully diluted) were $0.88 and $0.81 for the three-month periods ended December 31, 2022 and 2021, respectively. For the year ended December 31, 2022, earnings per share on a fully diluted basis were $3.58, compared to $3.05 for the year ended December 31, 2021.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1013272/000119312523016954/0001193125-23-016954-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"year ended December 31, 2022"},{"label":"Net income","value":"$29,233,000"},{"label":"EPS","value":"$3.58"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}