{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-24-017546","form_type":"8-K","ticker":"NWFL","cik":"0001013272","company_name":"NORWOOD FINANCIAL CORP","filed_at":"2024-01-29T23:59:59+00:00","discovered_at":"2026-05-14T18:03:23.092516+00:00","generated_at":"2026-06-06T15:40:47.746660+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Norwood Financial Q4 earnings collapse on $6.1M provision; EPS $0.04, down from $0.88","bullets":["Net income Q4 2023 $355K vs $7.14M in Q4 2022; full year $16.8M vs $29.2M.","EPS (diluted) Q4 $0.04 vs $0.88; full year $2.07 vs $3.58.","Provision for credit losses Q4 $6.1M vs $300K; FY $5.5M vs $900K, driven by $4.8M charge-offs on one credit.","Net interest income (fte) Q4 $15.5M (-$1.9M YoY); FY $62.8M (-$6.3M YoY) from rising funding costs.","Loans grew 8.8% to $1.60B; deposits up 3.9% to $1.80B; dividend raised 3.5% to $0.30/share."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-24-017546","json":"https://secwatch.observer/filing/0001193125-24-017546.json","markdown":"https://secwatch.observer/filing/0001193125-24-017546.md","text":"https://secwatch.observer/filing/0001193125-24-017546.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1013272/000119312524017546/0001193125-24-017546-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1013272/000119312524017546/d656008d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T15:40:47.746660+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":"68ee8872433697cd8d257bce067f8a034e0285fa","claim":"NORWOOD FINANCIAL CORP reported year ended December 31, 2023 results: net income $16,759,000, EPS $2.07.","evidence_excerpt":"For the year ended December 31, 2023, net income totaled $16,759,000","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1013272/000119312524017546/0001193125-24-017546-index.htm","confidence":0.98,"family_label":"Earnings Releases","details":[{"label":"Period","value":"year ended December 31, 2023"},{"label":"Net income","value":"$16,759,000"},{"label":"EPS","value":"$2.07"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"c3ea22ee09ae1948c32285d948a95cb6cd79b400","claim":"NORWOOD FINANCIAL CORP reported three months ended December 31, 2023 results: net income $355,000, EPS $0.04.","evidence_excerpt":"net income for the three months ended December 31, 2023 of $355,000","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1013272/000119312524017546/0001193125-24-017546-index.htm","confidence":0.98,"family_label":"Earnings Releases","details":[{"label":"Period","value":"three months ended December 31, 2023"},{"label":"Net income","value":"$355,000"},{"label":"EPS","value":"$0.04"},{"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"}