---
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"
generated_at: "2026-05-16T08:39:07.175072+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# Norwood Financial reports Q4 net income $7.4M ($0.81 EPS); closes Presence Bank acquisition

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-018738
- JSON: https://secwatch.observer/filing/0001193125-26-018738.json
- Plain text: https://secwatch.observer/filing/0001193125-26-018738.txt

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