Norwood Financial Corp filings document the public-company disclosures of a bank holding company for Wayne Bank. Its Form 8-K reports furnish earnings releases, earnings-call materials, annual-meeting presentations, dividend announcements, and other material-event disclosures tied to operating results, financial condition, shareholder distributions, and business strategy.
The company’s proxy and annual-meeting filings cover director elections, auditor ratification, advisory executive-compensation votes, and final voting results. Norwood’s filings also identify its Nasdaq-listed common stock, capital-structure terms, governance matters, exhibits, and Regulation FD materials associated with its regional banking operations and completed bank acquisition activity.
Norwood Financial Corp director Joseph W. Carroll reported open‑market purchases of the company’s common stock. On January 28, 2026, he bought 4 shares at $28.05, 1,996 shares at $28.06, and 2,000 shares at $28.21, all held directly.
Following these transactions, Carroll directly owned 41,503 shares of common stock. He also reported indirect beneficial ownership of 7,247 shares held by his spouse, 724 shares held by an IRA, and 724 shares held by a spouse IRA.
Norwood Financial Corp director James Shook reported buying 3,500 shares of common stock on January 28, 2026 at $28.8 per share. After this open-market purchase, his directly held stake increased to 8,330 shares. He also reports indirect ownership of 409 shares through Lake Region Supermarket Inc. and 825 shares of restricted stock.
The restricted stock award is scheduled to vest in three equal installments beginning on December 15, 2026 and annually thereafter, contingent on continued service as an employee, outside director, or director emeritus.
Norwood Financial Corp director Joseph W. Carroll reported buying additional company stock. On January 27, 2026, he acquired 2,000 shares of Norwood Financial common stock at a price of $27.91 per share. After this purchase, he directly owns 37,503 common shares.
He also reports indirect holdings of Norwood Financial common stock, including 7,247 shares held by his spouse, 724 shares held by an IRA, and 724 shares held by a spouse IRA. These positions show his combined direct and indirect exposure to the company’s stock.
Norwood Financial Corp’s President and CEO James O. Donnelly reported a small open-market purchase of company stock. On January 27, 2026, he indirectly acquired 200 shares of Common Stock through an IRA at a price of $28.15 per share.
Following the reported transactions, he directly owned 11,637 shares of Common Stock and indirectly held several blocks of restricted stock, including 300, 1,000, 3,868, 4,738, and 6,651 shares that vest over time according to service-based schedules.
Norwood Financial Corp reports a strong turnaround for the fourth quarter and full year 2025. For Q4 2025, net interest income rose to $20.9 million from $16.6 million a year earlier, driving net income of $7.4 million, or $0.81 per diluted share, compared with a net loss of $12.7 million, or ($1.54) per share, in Q4 2024. Full-year 2025 net income reached $27.8 million, or $3.01 per diluted share, versus a small loss in 2024.
The bank’s core performance improved as the fully tax-equivalent net interest margin increased to 3.60% in Q4 and 3.49% for 2025, up from 3.04% and 2.91% in the prior-year periods. Return on average assets for 2025 was 1.17%, with return on average tangible equity at 14.03%. Total assets grew to $2.42 billion, loans to $1.85 billion, and deposits to $2.08 billion as of December 31, 2025, while credit quality metrics, including nonperforming loans at 0.34% of total loans, remained solid.
Management also highlights the January 5, 2026 acquisition of Presence Bank, which adds scale, expands the branch footprint, and supports its community banking strategy. Non-GAAP results exclude 2025 merger charges and 2024 securities losses to show underlying profitability trends and efficiency gains.
Norwood Financial Corp filed a current report describing its latest earnings communications. On January 22, 2026, the company issued a press release announcing financial results for the three and twelve months ended December 31, 2025, and furnished this release as an exhibit. The company also prepared an earnings presentation for the fourth quarter of 2025, to be used on an earnings call the same day, and furnished that presentation as an exhibit as well.
The company emphasizes that the press release and earnings presentation are being furnished to the SEC rather than filed, so they are not subject to certain Exchange Act liabilities and are not automatically incorporated into other securities law filings.
Norwood Financial Corp executive Janak M. Amin, EVP & COO, filed an initial statement of beneficial ownership. As of 01/05/2026, he reports holding 31,879 shares of Norwood Financial common stock directly.
He also reports indirect ownership of additional common shares through retirement accounts: 923 shares held by a Roth IRA, 40,154 shares held by an IRA, and 822 shares held by his spouse's Roth IRA. The filing does not list any stock options, warrants, or other derivative securities.
Norwood Financial Corp director Joseph W. Carroll filed an initial statement of beneficial ownership of common stock. As of 01/05/2026, he directly owned 35,503 shares of Norwood Financial common stock. He also reported indirect ownership of additional common shares, including 7,247 shares held by his spouse, 724 shares held in his IRA, and 724 shares held in his spouse's IRA. The filing reflects holdings only and does not show any new purchase or sale transactions.
Norwood Financial Corp director Spencer J. Andress filed an initial ownership report showing his holdings of the company’s common stock as of 01/05/2026. The filing reports 8,189 shares of common stock held directly and an additional 7,247 shares held indirectly through Comprehensive Planner Ltd.. This Form 3 establishes his baseline beneficial ownership in Norwood Financial Corp as a director.
Norwood Financial Corp filed a report stating it issued a press release announcing plans to release its fourth quarter 2025 financial results on January 22, 2026. The company also plans to host a webcast and conference call that same day to discuss those results. The press release is provided as an exhibit to the report but is furnished rather than filed, meaning it is not incorporated into other securities offerings by default.