---
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"
generated_at: "2026-05-15T03:40:35.116292+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Norwood Financial Q1 net income $3.73M, EPS $0.35; closed Presence Bancshares acquisition

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-179294
- JSON: https://secwatch.observer/filing/0001193125-26-179294.json
- Plain text: https://secwatch.observer/filing/0001193125-26-179294.txt

## Key facts
- Earnings Releases
  NORWOOD FINANCIAL CORP reported the first quarter ended March 31, 2026 results: net income $3,730, EPS $0.35.
  - Period: the first quarter ended March 31, 2026
  - Net income: $3,730
  - EPS: $0.35
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1013272/000119312526179294/0001193125-26-179294-index.htm

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