---
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"
generated_at: "2026-05-27T07:51:07.927848+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# Norwood Financial posts Q4 net loss of $12.7M on $20M securities repositioning loss, NIM expands 11 bps

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-013534
- JSON: https://secwatch.observer/filing/0001193125-25-013534.json
- Plain text: https://secwatch.observer/filing/0001193125-25-013534.txt

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