secwatch.observer — SEC 8-K summary
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Issuer:     NORWOOD FINANCIAL CORP (NWFL)
CIK:        0001013272
Form:       8-K
Filed at:   2025-07-23T23:59:59+00:00
Accession:  0001193125-25-163087
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

Norwood Financial Q2 net income $6.2M, EPS $0.67, up 29% YoY; NIM expands to 3.43%
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- Q2 net income $6.2M vs $4.2M a year ago; diluted EPS $0.67 vs $0.52, a 29% increase.
- Net interest margin (FTE) 3.43%, up 63 bps YoY and 13 bps linked-quarter.
- Total loans $1.791B (+9.1% YoY), deposits $1.997B (+10.3% YoY).
- Return on assets 1.06% vs 0.75%; efficiency ratio improved to 58.7% from 66.7%.
- Tangible book value per share $21.17, up from $19.85 at Dec 31, 2024.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1013272/000119312525163087/0001193125-25-163087-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1013272/000119312525163087/d23216d8k.htm
  HTML page:      https://secwatch.observer/filing/0001193125-25-163087

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer