NORWOOD FINANCIAL CORP (NWFL) SEC Filings & Earnings Calls
EquiReason read 14 NORWOOD FINANCIAL CORP SEC filings in the last 12 months. Latest: 8-K on 2026-09-16 — Norwood Financial Corp declared a quarterly cash dividend of $0.32 per share, payable Nov 2, 2026. Routine quarterly dividend declaration with no change in amount..
Source: SEC EDGAR filings · figures as of 2026-06-30 · read by EquiReason
- Market cap
- 379.1M
- P/E TTM
- 13.1
- Dividend yield
- 3.7%
- 52-week
- —
- Next earnings
- 27 Oct, in 3 days
Every filing, read
last 12 months · SECWhat happened, the numbers inside, guidance and risks. The original is one click away.
28 Aug 20268-K · 8.01Norwood Financial Corp authorizes stock repurchase program for up to 550,000 shares (~5% of outstanding common stock).open
Figures in the filing · each found in the filing text
| Shares Authorized for Repurchase · 2026-08-28 | 550,000 | |
| Percentage of Outstanding Shares · 2026-08-28 | 5.0% |
7 Aug 202610-QNorwood Financial Corp reported Q2 2026 results with net income up 50.3% YoY, but credit quality weakened significantly.earningsopen
Figures in the filing · each found in the filing text
| Net interest income · Q2-2026 | $27M | +41% y/y |
| Net income · Q2-2026 | $9M | +50% y/y |
| Total loans · 2026-06-30 | $2.26B | |
| Nonaccrual loans · 2026-06-30 | $27M | |
| Provision for credit losses · Q2-2026 | $2M | +105% y/y |
| Total deposits · 2026-06-30 | $2.51B |
Risks flagged
Credit quality deterioration
“Nonaccrual loans increased from $6.216M to $27.356M, and provision for credit losses more than doubled YoY.”
Commercial real estate concentration
“Commercial real estate loans are 45.2% of total loans, with nonaccrual CRE loans rising sharply.”
27 Jul 20268-K · 7.01Norwood Financial Corp furnishes investor presentation materials under Regulation FD. Presentation highlights growth strategy, M&A, and financial performance but contains no new material non-public information.open
Figures in the filing · each found in the filing text
| Total Assets CAGR · 2020-Q2-2026 | 9.0% | |
| Net Interest Income CAGR · 2020-Q2-2026 | 12.0% | |
| Net Income CAGR · 2020-Q2-2026 | 13.0% |
Risks flagged
Forward-looking statements subject to risks including tariff policies, workforce deportations, and market volatility
“effects of current fluctuations in tariff policies, impacts of workforce deportations, the proliferation of legal actions challenging government policies, and substantial reductions in force of government and non-government organization employees” · word for word
22 Jul 20268-K · 2.02, 7.01Record net income of $9.3M, record NII of $26.8M, NIM expanded 47bps YoY to 3.90%, TBVPS surpassed pre-acquisition value. Integration of Presence Bancshares completed.earningsopen
Figures in the filing · each found in the filing text
| Net interest income · Q2-2026 | $27M | +41% y/y |
| Net interest margin (fte) · Q2-2026 | 3.9% | |
| Net income · Q2-2026 | $9M | +50% y/y |
| Diluted earnings per share · Q2-2026 | $0.86 | +28% y/y |
| Total assets · 2026-06-30 | $2.91B | +23% y/y |
| Loans receivable · 2026-06-30 | $2.26B | +26% y/y |
| Total deposits · 2026-06-30 | $2.51B | +26% y/y |
| Tangible book value per share · 2026-06-30 | $22.96 | +8% y/y |
| Return on average assets · Q2-2026 | 1.3% | |
| Return on tangible equity · Q2-2026 | 15.0% |
Risks flagged
Credit risk from a borrower bankruptcy with $22M aggregate exposure, primarily secured by CRE, leading to $729K charge-off in Q2.
“Net charge-offs of approximately $1.4 million, including $729 thousand charge-off related to a borrower in Chapter 11 bankruptcy; aggregate exposure ~$22 million.”
18 Jun 20268-K · 8.01Norwood Financial Corp declared a quarterly cash dividend of $0.32 per share, payable August 3, 2026 to holders of record July 15, 2026. Routine quarterly declaration with no change indicated.open
Figures in the filing · each found in the filing text
| quarterly cash dividend per share · Q3-2026 | $0.32 |
18 Jun 20268-K · 7.01Two borrowers filed Chapter 11 bankruptcy; bank has $22M participation in $29M credit secured by commercial real estate; loss exposure being analyzed.open
Figures in the filing · each found in the filing text
| Loan participation interest · Wayne Bank · Q2-2026 | $22M |
Risks flagged
Credit loss from borrower bankruptcy on $22M commercial real estate loans
“Two customers filed Chapter 11 bankruptcy; loans secured by commercial real estate; loss exposure being analyzed.”
8 May 202610-QNet income declined 35.4% YoY due to merger-related expenses and higher provision for credit losses.earningsopen
Figures in the filing · each found in the filing text
| Net income · Q1-2026 | $4M | -35% y/y |
| Total deposits · 2026-03-31 | $2.51B | |
| Allowance for credit losses · 2026-03-31 | $24M | |
| Loans · 2026-03-31 | $2.24B | |
| Loans nonperforming · 2026-03-31 | $10M |
Risks flagged
Credit quality deterioration
“Nonaccrual loans increased to $10.285M from $6.216M at December 31, 2025.”
CRE concentration risk
“Commercial rentals and hotels/motels represent 20.2% of total loans.”
Integration risk from acquisition
“Merger-related expenses of $4.941M in the quarter.”
27 Apr 20268-K · 2.02, 7.01Norwood Financial Corp reports Q1 2026 earnings: net income $3.73M ($0.35/diluted) down 35.4% YoY; record NII $24.55M; closed Presence Bancshares acquisition; adjusted PPNR up 40.5% YoY.earningsopen
Figures in the filing · each found in the filing text
| Diluted earnings per share · Q1-2026 | $0.35 | -44% y/y |
| Net Interest Income · Q1-2026 | $25M | +38% y/y |
| Net Interest Margin (fte) · Q1-2026 | 3.7% | |
| Net Interest Spread (fte) · Q1-2026 | 3.0% | |
| Pre Provision Net Revenue (PPNR) · Q1-2026 | $6M | -23% y/y |
| Adjusted Pre Provision Net Revenue · Q1-2026 | $11M | +41% y/y |
| Total Assets · Q1-2026 | $2.92B | +23% y/y |
| Loans Receivable · Q1-2026 | $2.24B | +26% y/y |
| Total Deposits · Q1-2026 | $2.51B | +25% y/y |
| Tangible Book Value per share · Q1-2026 | $22.43 | +9% y/y |
Risks flagged
Reported earnings decline due to merger-related and restructuring expenses.
“Net income $3.73M vs $5.77M YoY; diluted EPS $0.35 vs $0.63 YoY.”
TBV per share declined on linked quarter basis due to acquisition and AOCI marks.
“TBV per share $22.43 vs $22.90 at Dec 2025, down $0.47 or 2.1% linked quarter.”
Integration risk from Presence Bancshares acquisition and core system conversion.
“Merger-related expenses $6.1M incurred; core system conversion completed April 13, 2026.”
25 Mar 2026DEF 14AAnnual proxy statement filed; no material event disclosed.open
Figures in the filing · each found in the filing text
| Net Income · FY2025 | $28M | |
| Total Stockholder Return (cumulative, $100 invested at 12/31/2022) · FY2025 | $95.92 |
13 Mar 202610-KNWFL reported a strong earnings recovery with net income of $27.8M vs a net loss of $0.2M in the prior year, driven by NIM expansion from securities portfolio repositioning and lower deposit costs.earningsopen
Figures in the filing · each found in the filing text
| Net interest income · FY2025 | $78M | +26% y/y |
| Net income · FY2025 | $28M | |
| Total deposits · FY2025 | $2.08B | +12% y/y |
| Loans · FY2025 | $1.85B | +8% y/y |
| Allowance for credit losses · FY2025 | $20M | +0% y/y |
| Loans nonperforming · FY2025 | $6M | -20% y/y |
| Book per share value · FY2025 | $26.06 | +13% y/y |
Risks flagged
Commercial real estate concentration
“As of December 31, 2025, the Company had $750.2 million of commercial real estate loans, which represented 40.5% of total loans outstanding.” · word for word
Uninsured deposit exposure
“As of December 31, 2025 and 2024, the total of uninsured deposits of the Company was $833,097,000 and $698,357,000, respectively.” · word for word
Interest rate sensitivity from AFS securities
“As of December 31, 2025, $408.8 million of securities were so classified and carried at their fair value, with unrealized losses, net of tax, of $21.9 million included in accumulated other comprehensive income (loss) as a component of stockholders' equity.” · word for word
22 Jan 20268-K · 2.02, 7.01Norwood Financial Corp reports Q4/FY2025 earnings: net income $7.4M (vs -$12.7M prior year), EPS $0.81 (vs -$1.54), NIM expanded 56bps to 3.60%, loan growth 8.2%, deposit growth 11.8%, tangible book value +15.4%. Also closed Presence Bank aearningsopen
Figures in the filing · each found in the filing text
| Net interest margin (fte) · FY2025 | 3.5% | |
| Diluted earnings per share · FY2025 | $3.01 | -15150% y/y |
| Net income · FY2025 | $28M | -17447% y/y |
| Total assets · Dec-2025 | $2.42B | +5% y/y |
| Loans receivable · Dec-2025 | $1.85B | +8% y/y |
| Total deposits · Dec-2025 | $2.08B | +12% y/y |
| Tangible book value per share · Dec-2025 | $22.90 | +15% y/y |
| Return on average assets · FY2025 | 1.2% | |
| Return on average tangible equity · FY2025 | 14.0% |
Risks flagged
Acquisition integration risk: Presence Bank acquisition closed Jan 5, 2026; integration costs and execution risk remain.
“On January 5, we closed on the acquisition of Presence Bank.” · word for word
Interest rate risk: Net interest margin expansion may reverse if rate environment changes; forward-looking statements cite interest rate changes as a risk.
“Those risks and uncertainties include... changes in interest rates.” · word for word
7 Nov 202510-QNorwood Financial Corp reported Q3 2025 net income of $8.3M, up 116.8% YoY, with net interest income up 28.4% YoY and a release of provision for credit losses.earningsopen
Figures in the filing · each found in the filing text
| Net Interest Income · Q3-2025 | $20M | +28% y/y |
| Net Income · Q3-2025 | $8M | +117% y/y |
| Total Deposits · 2025-09-30 | $2.07B | |
| Allowance for Credit Losses · 2025-09-30 | $20M | |
| Gross Loans · 2025-09-30 | $1.82B | |
| Nonperforming Loans · 2025-09-30 | $7M | |
| Book Value per Share · 2025-09-30 | $25.35 |
Risks flagged
Consumer loan credit risk
“Consumer loans to individuals Current period gross charge-offs ... $1,273 ... $1,849” · word for word
Concentration in commercial real estate
“The highest concentrations are in commercial rentals with $169.6 million of loans outstanding, or 9.4% of total loans outstanding” · word for word
NORWOOD FINANCIAL CORP — questions
- What did NORWOOD FINANCIAL CORP file recently?
- 14 SEC filings in the last 12 months. Latest: 8-K on 2026-09-16 — Norwood Financial Corp declared a quarterly cash dividend of $0.32 per share, payable Nov 2, 2026. Routine quarterly dividend declaration with no change in amount.
Every figure on this page comes from NORWOOD FINANCIAL CORP's own SEC filings — see them on SEC EDGAR. Price data is licensed and shown only inside the product.
How these figures are read: methodology · EquiReason.