---
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"
generated_at: "2026-05-17T02:40:15.106936+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Norwood Financial Q3 net income $8.3M, EPS $0.89 (+85% YoY); NIM expands to 3.63%

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-245860
- JSON: https://secwatch.observer/filing/0001193125-25-245860.json
- Plain text: https://secwatch.observer/filing/0001193125-25-245860.txt

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