Welcome to our dedicated page for Norwood Finl SEC filings (Ticker: NWFL), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The Norwood Financial Corp (NWFL) SEC filings page on Stock Titan provides access to the company’s regulatory disclosures as a Nasdaq-listed bank holding company and parent of Wayne Bank. Norwood files current reports on Form 8-K to document material events such as earnings announcements, dividend declarations, merger agreements, regulatory approvals, acquisition closings and changes in its board of directors. These filings, together with its periodic reports, form the core record of Norwood’s public reporting as a commercial banking institution.
For investors analyzing Norwood’s financial performance, Form 8-K filings dated July 22, 2025 and October 22, 2025 are notable. In these reports, the company furnishes press releases that present results for the three and six months ended June 30, 2025 and the three and nine months ended September 30, 2025. The attached materials detail net interest income, net interest margin, loan and deposit balances, non-interest income, operating expenses, efficiency ratio, and measures such as return on average assets and return on average tangible equity. Stock Titan’s AI tools can summarize these disclosures to highlight key trends in margins, growth and profitability.
Norwood also uses Form 8-K to report dividend declarations. Filings dated June 18, 2025, September 17, 2025 and December 17, 2025 describe quarterly cash dividends on the company’s common stock, including per-share amounts, record dates and payment dates, and incorporate related press releases by reference. For income-focused investors, these filings document Norwood’s pattern of returning cash to shareholders over time.
A series of Form 8-K filings in July, October and December 2025 detail Norwood’s merger with PB Bankshares, Inc. and Presence Bank. The July 7, 2025 report describes the Agreement and Plan of Merger, the consideration structure, termination provisions and related voting agreements. Subsequent filings report the filing of a registration statement on Form S-4, the mailing of a joint proxy statement/prospectus, receipt of final regulatory approvals, and, in later press releases, completion of the acquisition and the merger of Presence Bank into Wayne Bank. Stock Titan’s AI summaries can help readers quickly understand the transaction terms, integration steps and potential risks outlined in the forward-looking statements sections.
Corporate governance developments are also captured in Norwood’s SEC filings. A September 16, 2025 Form 8-K reports the retirement of the company’s Chairman of the Board, his designation as Chairman Emeritus, the appointment of a new Chairman and Vice Chairman, and the addition of two new directors. The filing also discloses that, in the normal course of business, Wayne Bank has extended business loans to one of the new directors or related business interests on terms comparable to those offered to other customers.
On Stock Titan, Norwood’s SEC filings are updated as new documents are posted to EDGAR, and AI-powered summaries can assist in interpreting complex sections, such as merger agreements, forward-looking statements and detailed financial tables. Investors can use this page to track NWFL’s Form 8-K disclosures and, together with the company’s 10-K and 10-Q filings available from the SEC, build a comprehensive view of Norwood Financial’s regulatory history, financial condition and strategic actions.
Norwood Financial Corp director reports new restricted stock award. A director of Norwood Financial Corp received an award of 825 shares of restricted common stock on 12/16/2025 at a price of $ 29.8 per share. Following this grant, the director reports 5,603 shares of common stock held directly and additional indirect holdings, including shares held as custodian for children and multiple restricted stock awards.
The restricted stock awards have staggered vesting schedules. Earlier grants vest in five equal installments beginning in
Norwood Financial CorpDecember 16, 2025, he acquired 825 shares of restricted stock at a price of $29.8 per share, reported as an indirect holding.
After this transaction, he holds 25,878 shares of common stock directly, plus multiple tranches of restricted stock indirectly, including awards of 40, 280, 420, 550, 82 and the new 825 restricted shares. The restricted stock awards vest in scheduled annual installments over three- to five-year periods, contingent on continued service as an employee, outside director or director emeritus.
Norwood Financial Corp director Kenneth A. Phillips reported an equity award of company stock. On December 16, 2025, he acquired 825 shares of restricted common stock at $29.80 per share, reported as an acquisition transaction. He also holds directly owned common stock and several prior restricted stock awards.
The filing notes that earlier restricted stock awards granted in 2022, 2023, and 2024 vest in five equal annual installments starting each December of those years, subject to continued service as an Employee, Outside Director or Director Emeritus. The 2025 and 2026 awards vest in three equal annual installments beginning on December 15, 2025 and December 15, 2026, respectively, under the same service conditions.
Norwood Financial Corp reported an insider equity award for a company director. A Form 4 filing shows that on 12/16/2025 the director received 825 shares of restricted common stock at a price of $29.8 per share. After this transaction, the director holds 10,616 common shares directly, 6,405 shares through an IRA, and 7,544 shares through Forte, Inc., along with multiple existing restricted stock awards.
The new 825-share restricted stock award is held indirectly and, according to the footnotes, will vest in three equal installments beginning on December 15, 2026, subject to continued service as an employee, outside director or director emeritus. Earlier restricted stock awards from 2022, 2023 and 2024 also vest in annual installments over multi‑year periods, reflecting ongoing equity-based compensation.
NORWOOD FINANCIAL CORP director Marissa S. Nacinovich reported an equity award in the company’s common stock. On 12/16/2025, she acquired 825 shares of restricted common stock at a stated price of $29.8 per share, shown as indirectly owned following the transaction.
The award is scheduled to vest in three equal installments, beginning on December 15, 2026 and then annually, conditioned on continued service as an employee, outside director or director emeritus, as applicable.
Norwood Financial Corp director reports restricted stock grant
A director of Norwood Financial Corp reported receiving an award of 825 shares of restricted common stock on 12/16/2025 at a price of $29.8 per share. After this grant, the director beneficially owns 8,990 shares of common stock directly and 26,468 shares indirectly through an IRA, plus 550 and 825 restricted shares held indirectly.
The footnotes state that the 550-share restricted award vests in three equal installments beginning on December 15, 2025, and the 825-share award vests in three equal installments beginning on December 15, 2026, in each case subject to continued service as an employee, outside director, or director emeritus.
Norwood Financial Corp director James Shook reported receiving a new equity award. On 12/16/2025, he acquired 825 shares of restricted common stock at $ 29.8 per share. This award vests in three equal installments beginning on December 15, 2026 and annually thereafter, subject to continued service as an employee, outside director or director emeritus.
After this transaction, he beneficially owns 4,830 shares of common stock directly, 409 shares indirectly through Lake Region Supermarket Inc., and 825 shares of restricted stock indirectly.
Norwood Financial Corp reported that its Board of Directors declared a quarterly cash dividend of $0.32 per share. The dividend will be paid on February 2, 2026 to shareholders who are on record as of January 15, 2026. This regular cash payment rewards existing stockholders and reflects the company’s ongoing practice of returning cash to its owners through dividends.
Norwood Financial Corp announced it has received final regulatory approvals for its proposed acquisition of PB Bankshares, Inc. and its subsidiary Presence Bank. The companies now expect to close the transaction on or about
The disclosure also notes that statements about expected cost savings, revenue opportunities, integration timing and other merger benefits are forward-looking and involve risks. These include the possibility of higher-than-anticipated merger and integration costs, challenges combining operations and retaining key relationships, as well as broader economic, regulatory, competitive, technological and environmental factors that could cause actual results to differ materially from current expectations.
Norwood Financial Corp (NWFL) reported stronger Q3 results. Net income rose to $8.334 million from $3.844 million a year ago, with diluted EPS of $0.89 versus $0.48. Net interest income improved to $20.458 million from $15.931 million as loan interest and securities income increased, while total interest expense declined year over year. The quarter included a $0.502 million net release of credit loss provisions, compared with a provision of $1.345 million in the prior year period.
On the balance sheet, total assets reached $2.412 billion and stockholders’ equity rose to $234.9 million. Loans receivable (net) were $1.795 billion, up from $1.694 billion at year-end, and total deposits increased to $2.074 billion from $1.859 billion. Short-term borrowings declined to $0 from $113.1 million, and accumulated other comprehensive loss improved to $(23.708) million from $(33.121) million.
Noninterest income was $2.505 million, led by service charges and debit card fees. Noninterest expense totaled $12.934 million. The company declared a quarterly cash dividend of $0.31 per share during the period.