{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-26-179294","form_type":"8-K","ticker":"NWFL","cik":"0001013272","company_name":"NORWOOD FINANCIAL CORP","filed_at":"2026-04-27T23:59:59+00:00","discovered_at":"2026-05-14T18:02:31.791700+00:00","generated_at":"2026-05-15T03:40:35.116292+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Norwood Financial Q1 net income $3.73M, EPS $0.35; closed Presence Bancshares acquisition","bullets":["Record net interest income $24.6M; NIM 3.68% vs 3.30% YoY; net interest spread 3.04%.","Reported net income $3.73M ($0.35 diluted EPS) down from $5.77M; adjusted net income $7.81M ($0.72).","Acquisition of Presence Bancshares closed Jan 5, 2026; TBV per share $22.43, diluted $0.52 from $22.90.","Total assets $2.917B, deposits $2.507B, loans $2.238B; tangible common equity / assets 8.49%."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-26-179294","json":"https://secwatch.observer/filing/0001193125-26-179294.json","markdown":"https://secwatch.observer/filing/0001193125-26-179294.md","text":"https://secwatch.observer/filing/0001193125-26-179294.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1013272/000119312526179294/0001193125-26-179294-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1013272/000119312526179294/d55867d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T03:40:35.116292+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":[{"claim_id":"4a0fa5ff3fe8748f18b8703f3bd8cae27387a13e","claim":"NORWOOD FINANCIAL CORP reported the first quarter ended March 31, 2026 results: net income $3,730, EPS $0.35.","evidence_excerpt":"2.93 % 11 bp Net interest margin (fte) 1 3.68 % 3.30 % 38 bps 3.60 % 8 bps Pre Provision Net Revenue (PPNR) 1 $ 6,279 $ 8,144 $ (1,865 ) $ 9,836 $ (3,557 ) Net income (loss) $ 3,730 $ 5,773 $ (2,043 ) $ 7,442 $ (3,712 ) Diluted earnings per share $ 0.35 $ 0.63 $ (0.28 ) $ 0.81 $ (0.46 ) Return on average assets 0.53 % 1.01 % -48 bps 1.21 % -68 bps Return on","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1013272/000119312526179294/0001193125-26-179294-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the first quarter ended March 31, 2026"},{"label":"Net income","value":"$3,730"},{"label":"EPS","value":"$0.35"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}