{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-23-261223","form_type":"8-K","ticker":"NWFL","cik":"0001013272","company_name":"NORWOOD FINANCIAL CORP","filed_at":"2023-10-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:27.854581+00:00","generated_at":"2026-06-09T13:11:00.706346+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Norwood Financial Q3 EPS $0.51 vs $1.00; net interest margin falls to 2.94%","bullets":["Net income $4.119M vs $8.109M YoY, down 49.2%.","EPS (diluted) $0.51 vs $1.00 YoY; annualized ROAA 0.76% vs 1.57%.","Net interest margin (fte) 2.94% vs 3.74% YoY; net interest income down $3.1M.","Provision for credit losses $882K vs $0; includes a $2.0M charge-off on one large commercial relationship.","Total assets $2.179B, deposits $1.747B, stockholders' equity $164.7M."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-23-261223","json":"https://secwatch.observer/filing/0001193125-23-261223.json","markdown":"https://secwatch.observer/filing/0001193125-23-261223.md","text":"https://secwatch.observer/filing/0001193125-23-261223.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1013272/000119312523261223/0001193125-23-261223-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1013272/000119312523261223/d552664d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T13:11:00.706346+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":"c7e0fc39cf9705e8fa71e0bf88a61a4ece9f9a7c","claim":"NORWOOD FINANCIAL CORP reported three and nine months ended September 30, 2023 results: net income $4,119,000, EPS $0.51.","evidence_excerpt":"announced earnings for the three months ended September 30, 2023 of $4,119,000","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1013272/000119312523261223/0001193125-23-261223-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"three and nine months ended September 30, 2023"},{"label":"Net income","value":"$4,119,000"},{"label":"EPS","value":"$0.51"},{"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"}