{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-25-083659","form_type":"8-K","ticker":"NWFL","cik":"0001013272","company_name":"NORWOOD FINANCIAL CORP","filed_at":"2025-04-17T23:59:59+00:00","discovered_at":"2026-05-14T18:02:47.147059+00:00","generated_at":"2026-05-23T11:24:15.335026+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Norwood Financial Q1 EPS $0.63, up 14.5% YoY; NIM expands 11 bps YoY","bullets":["Diluted EPS $0.63 vs $0.55 in Q1 2024, a 14.5% increase.","Net interest margin increased 30 bps linked quarter and 11 bps YoY to 3.30% (fte).","Loans grew at a 13.5% annualized rate during Q1 2025.","Net income $5.8M vs $4.4M in prior year; return on assets 1.01% vs 0.80%.","Deposit growth allowed reduction in wholesale borrowings; capital improved."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-25-083659","json":"https://secwatch.observer/filing/0001193125-25-083659.json","markdown":"https://secwatch.observer/filing/0001193125-25-083659.md","text":"https://secwatch.observer/filing/0001193125-25-083659.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1013272/000119312525083659/0001193125-25-083659-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1013272/000119312525083659/d794393d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T11:24:15.335026+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"}