---
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"
generated_at: "2026-06-09T13:11:00.706346+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Norwood Financial Q3 EPS $0.51 vs $1.00; net interest margin falls to 2.94%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-23-261223
- JSON: https://secwatch.observer/filing/0001193125-23-261223.json
- Plain text: https://secwatch.observer/filing/0001193125-23-261223.txt

## Key facts
- Earnings Releases
  NORWOOD FINANCIAL CORP reported three and nine months ended September 30, 2023 results: net income $4,119,000, EPS $0.51.
  - Period: three and nine months ended September 30, 2023
  - Net income: $4,119,000
  - EPS: $0.51
  - Result: reported results
  source text: announced earnings for the three months ended September 30, 2023 of $4,119,000
  evidence_url: https://www.sec.gov/Archives/edgar/data/1013272/000119312523261223/0001193125-23-261223-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.