{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-26-018738","form_type":"8-K","ticker":"NWFL","cik":"0001013272","company_name":"NORWOOD FINANCIAL CORP","filed_at":"2026-01-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:34.397624+00:00","generated_at":"2026-05-16T08:39:07.175072+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Norwood Financial reports Q4 net income $7.4M ($0.81 EPS); closes Presence Bank acquisition","bullets":["Q4 net income of $7.4M ($0.81 diluted EPS) vs net loss of $12.7M ($-1.54) in Q4 2024.","Full year 2025 net income $27.8M ($3.01 EPS) vs $0.2M net loss ($-0.02) in 2024.","Net interest margin expanded 58 bps to 3.49%; loan growth 8.2%, deposit growth 11.8%.","Tangible book value per share up 15.4% to $22.90 from $19.85.","Closed acquisition of Presence Bank on January 5, 2026, expanding geographic reach."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-26-018738","json":"https://secwatch.observer/filing/0001193125-26-018738.json","markdown":"https://secwatch.observer/filing/0001193125-26-018738.md","text":"https://secwatch.observer/filing/0001193125-26-018738.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1013272/000119312526018738/0001193125-26-018738-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1013272/000119312526018738/d70813d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T08:39:07.175072+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"}