{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-25-245860","form_type":"8-K","ticker":"NWFL","cik":"0001013272","company_name":"NORWOOD FINANCIAL CORP","filed_at":"2025-10-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:38.526005+00:00","generated_at":"2026-05-17T02:40:15.106936+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Norwood Financial Q3 net income $8.3M, EPS $0.89 (+85% YoY); NIM expands to 3.63%","bullets":["Diluted EPS of $0.89 vs $0.48 in Q3 2024; adjusted EPS of $0.94 excluding merger charges.","Net interest margin (fte) rose to 3.63% from 2.99% YoY; net interest income up $4.5M.","Loans grew 8.3% YoY to $1.815B; deposits up 11.8% to $2.074B; total assets $2.412B.","Tangible book value per share increased to $22.19 from $19.85 at Dec 31, 2024.","Efficiency ratio improved to 56.3% from 66.0% in Q3 2024; ROA 1.40%."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-25-245860","json":"https://secwatch.observer/filing/0001193125-25-245860.json","markdown":"https://secwatch.observer/filing/0001193125-25-245860.md","text":"https://secwatch.observer/filing/0001193125-25-245860.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1013272/000119312525245860/0001193125-25-245860-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1013272/000119312525245860/d96220d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:40:15.106936+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"}