---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-24-244750"
form_type: "8-K"
ticker: "NWFL"
cik: "0001013272"
company_name: "NORWOOD FINANCIAL CORP"
filed_at: "2024-10-28T23:59:59+00:00"
generated_at: "2026-05-30T09:34:02.996361+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Norwood Financial Q3 EPS $0.48; NIM up to 2.99%; loans grow 8% annualized

## Summary
- 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.

## SEC filing metadata
- accession: 0001193125-24-244750
- form_type: 8-K
- ticker: NWFL
- cik: 0001013272
- company_name: NORWOOD FINANCIAL CORP
- filed_at: 2024-10-28T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1013272/000119312524244750/0001193125-24-244750-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1013272/000119312524244750/d887960d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-24-244750
- JSON: https://secwatch.observer/filing/0001193125-24-244750.json
- Plain text: https://secwatch.observer/filing/0001193125-24-244750.txt

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