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 (NWFL) filed an 8-K reporting two press releases dated
Norwood Financial Corp (NWFL) – Q2 2025 10-Q snapshot
- Net income rose 47% YoY to $6.2 m; EPS $0.67 vs $0.52. Six-month earnings up 39% to $12.0 m ($1.30/share).
- Net interest income +28% to $19.1 m as loans expanded 4.5% to $1.77 bn; securities portfolio steady at $402 m.
- Provision for credit losses increased to $0.95 m (Q2) lifting the allowance to $20.9 m, or 1.17% of loans.
- Funding mix: Deposits grew 7.5% to $1.998 bn, allowing short-term borrowings to fall 77% to $26.5 m.
- Capital: Stockholders’ equity improved 5.6% to $225 m as AOCI loss narrowed to –$27.5 m. Shares outstanding 9.26 m.
- Cash flow & returns: Operating cash flow $15.9 m; $0.62/share dividends paid YTD; $0.35 m in buybacks.
Higher loan yields and disciplined expenses drove profit growth despite a larger credit provision. Non-performing assets remain low at $8.1 m (0.45% of loans) with no loans 90+ days past due, supporting a stable risk profile.
James O. Donnelly, reporting person and the President & CEO and a director of Norwood Financial Corp (NWFL), reported a purchase transaction on the Form 4 filed for transactions dated 08/06/2025. The filing shows a purchase of 200 shares of common stock at a reported price of $23.90, resulting in 8,663 shares beneficially owned directly following the transaction. The form was signed by attorney-in-fact John M. McCaffery on 08/06/2025.
The filing also discloses indirect beneficial ownership of restricted stock reported as 300, 1,500, 5,157, and 5,923 shares, each subject to the vesting schedules described in the form: one award with a 70% vest at the one-year anniversary of May 10, 2022 and 10% annually thereafter, and three awards vesting in five equal annual installments beginning on 12/13/2023, 12/12/2024, and 12/15/2025, respectively.
Filing: Form 4 filed for Ronald R. Schmalzle, Director of Norwood Financial Corp (NWFL), reporting transactions dated 08/05/2025.
Transactions: Reporting person acquired 600 shares of common stock at a reported price of $24.35. Following the reported transaction, beneficial ownership is reported as 8,715 shares direct. Additional reported holdings include 26,468 shares held in an IRA (indirect) and 825 restricted shares (indirect).
Other details: Relationship to issuer: Director. Explanation states the restricted award vests in three equal installments beginning December 15, 2025, annually thereafter during continued service. Form signed on 08/05/2025 by attorney-in-fact John M. McCaffery.
Norwood Financial Corp (NWFL) – Form 4 insider activity: EVP & CFO John M. McCaffery, Jr. reported an open-market purchase of 500 common shares on 08/01/2025 at $24.10 per share (transaction code P). The purchase was made through his IRA, lifting that account’s stake to 3,000 shares.
After the transaction, McCaffery’s total beneficial ownership is 6,504 shares, comprising 1,200 directly held shares, 3,000 indirect IRA shares, and two unvested restricted-stock awards (804 shares vesting 200/201/201 beginning 06/24/2025; 1,500 shares vesting in five equal annual installments starting 12/15/2025). No derivative securities were reported. The ~$12k incremental purchase indicates incremental insider confidence but is small relative to NWFL’s market capitalization.
On June 18, 2025, Norwood Financial Corp (NASDAQ: NWFL) filed a Form 8-K reporting that its Board of Directors declared a $0.31 per-share quarterly cash dividend. The dividend is payable on August 1, 2025 to shareholders of record at the close of business on July 15, 2025. Aside from attaching the related press release as Exhibit 99.1, the filing contains no other financial data, strategic initiatives, or operational changes. The announcement maintains the company’s established payout pattern, indicating continued earnings stability and sufficient liquidity, but does not represent a material change in guidance or capital strategy.