secwatch.observer — SEC 8-K summary
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Issuer:     NORWOOD FINANCIAL CORP (NWFL)
CIK:        0001013272
Form:       8-K
Filed at:   2026-01-22T23:59:59+00:00
Accession:  0001193125-26-018738
Event type: earnings
Sentiment:  positive
Materiality: 0.85
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1013272/000119312526018738/0001193125-26-018738-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1013272/000119312526018738/d70813d8k.htm
  HTML page:      https://secwatch.observer/filing/0001193125-26-018738

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