{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-25-013534","form_type":"8-K","ticker":"NWFL","cik":"0001013272","company_name":"NORWOOD FINANCIAL CORP","filed_at":"2025-01-28T23:59:59+00:00","discovered_at":"2026-05-14T18:03:02.695860+00:00","generated_at":"2026-05-27T07:51:07.927848+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 posts Q4 net loss of $12.7M on $20M securities repositioning loss, NIM expands 11 bps","bullets":["Net loss of $12.7M (-$1.54 diluted EPS) for Q4 2024 vs net income of $355k in Q4 2023; full-year net loss $160k.","One-time $20M loss on sale of securities in December to reposition investment portfolio for higher future yields.","Net interest margin (fte) improved to 3.04% in Q4 2024 from 2.93% in Q4 2023; net interest income up $1.3M YoY.","Loans grew at 9% annualized rate in Q4; tangible common equity rose to 8.05% from 6.98% after capital raise.","Total assets $2.317B, loans $1.693B, deposits $1.859B as of Dec 31, 2024."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-25-013534","json":"https://secwatch.observer/filing/0001193125-25-013534.json","markdown":"https://secwatch.observer/filing/0001193125-25-013534.md","text":"https://secwatch.observer/filing/0001193125-25-013534.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1013272/000119312525013534/0001193125-25-013534-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1013272/000119312525013534/d872079d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T07:51:07.927848+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}