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) furnished materials tied to its latest results. On October 22, 2025, the company issued a press release announcing earnings for the three and nine months ended September 30, 2025, furnished as Exhibit 99.1, and hosted an earnings call supported by an investor presentation furnished as Exhibit 99.2.
The company also referenced its proposed merger with PB Bankshares. Norwood has filed a Form S-4 to register shares to be issued in the transaction; the registration statement has not yet been declared effective, and a joint proxy statement/prospectus will be mailed to PB Bankshares stockholders seeking their approval.
Norwood Financial Corp announced it will release its third quarter 2025 financial results on October 22, 2025, and will host a webcast and conference call the same day to discuss the results.
The company furnished a press release as Exhibit 99.1 in connection with this announcement; it is designated as furnished and not filed under the Exchange Act.
James Shook filed an initial Form 3 reporting beneficial ownership in NORWOOD FINANCIAL CORb (NWFL). The event date reported is 09/16/2025. The filing lists 1,030 shares of common stock held directly and 409 shares held indirectly through Lake Region Supermarket Inc. The Form 3 was signed by an attorney-in-fact on 10/09/2025. The disclosure indicates a director-level relationship and appears to be a routine initial ownership report.
Norwood Financial Corp. filed an amended S-4 registering the proposed merger with PB Bankshares, Inc. and issued a combined proxy statement/prospectus describing transaction mechanics, voting procedures and key financial effects. The document shows a 20-day volume-weighted average price of $25.77 as of July 3, 2025, and provides that shareholders may elect stock or cash consideration subject to a 20% aggregate cash limit and allocation rules for "non-election shares." Directors and officers controlled approximately 14.3% of PB Bankshares voting stock and agreed to vote in favor of the merger.
The filing describes the merger as intended to qualify as a tax-free reorganization for U.S. federal income tax purposes, includes executive employment and change-in-control terms, and discloses possible non-recurring integration charges (system conversions, severance, branding) with unspecified timing or amounts. Key banking metrics and balance-sheet changes are shown: commercial real estate loans rose to $205.2M at 12/31/2024 and to $226.8M at 6/30/2025, available-for-sale securities decreased, cash & cash equivalents were $55.9M at 6/30/2025, nonperforming assets were 0.25% at 12/31/2024, and net interest margin improved to 2.88% for the quarter ended 6/30/2025. The filing warns that AFS impairment rules, allowance estimates, competitive pressures and liquidity alternatives may materially affect results.
Marissa S. Nacinovich filed an initial Form 3 reporting beneficial ownership in Norwood Financial Corp (NWFL). The filing shows 200 shares of common stock held in a direct ownership form. The event requiring the statement is dated 09/16/2025 and the form was signed on 09/30/2025 by an attorney-in-fact. The filing identifies Ms. Nacinovich as a Director of the issuer and indicates this is a filing by one reporting person. No derivatives or convertible securities are reported.
Norwood Financial Corp. (NWFL) is filing an S-4 to effect a business combination with PB Bankshares, Inc., including an Agreement and Plan of Merger dated July 7, 2025. The proxy/prospectus describes consideration mechanics (stock or cash elections, 20% aggregate cash limit and treatment of "non-election shares") and related governance and compensation arrangements for PB Bankshares executives and directors. Norwood reported balance-sheet trends through Dec 31, 2024 and June 30, 2025: commercial real estate loans rose from $205.2 million to $226.8 million; gross loans increased to $358.4 million at June 30, 2025; cash and cash equivalents rose to $55.9 million; debt securities available-for-sale declined to $35.6 million. Net interest margin improved to 2.88% for Q2 2025 (up 34 bps year-over-year) and net interest rate spread widened to 2.40%. Nonperforming assets were 0.25% at Dec 31, 2024. Provision for credit losses for Q2 2025 was $40,000 versus $17,000 in Q2 2024. The filing discloses transaction multiples and precedent deal metrics and warns of potential non-recurring integration charges and liquidity/credit risks.
Norwood Financial Corp. (NWFL) is filing an S-4 to effect a business combination with PB Bankshares, Inc., including an Agreement and Plan of Merger dated July 7, 2025. The proxy/prospectus describes consideration mechanics (stock or cash elections, 20% aggregate cash limit and treatment of "non-election shares") and related governance and compensation arrangements for PB Bankshares executives and directors. Norwood reported balance-sheet trends through Dec 31, 2024 and June 30, 2025: commercial real estate loans rose from $205.2 million to $226.8 million; gross loans increased to $358.4 million at June 30, 2025; cash and cash equivalents rose to $55.9 million; debt securities available-for-sale declined to $35.6 million. Net interest margin improved to 2.88% for Q2 2025 (up 34 bps year-over-year) and net interest rate spread widened to 2.40%. Nonperforming assets were 0.25% at Dec 31, 2024. Provision for credit losses for Q2 2025 was $40,000 versus $17,000 in Q2 2024. The filing discloses transaction multiples and precedent deal metrics and warns of potential non-recurring integration charges and liquidity/credit risks.
NORWOOD FINANCIAL CORP (NWFL) filed an 8-K reporting two press releases dated Sept 17, 2025: one announcing changes to the board and another announcing a dividend. The filing also discloses that during the fiscal year ended December 31, 2024, the largest aggregate outstanding principal balance of all such loans was $32,983. The submission is signed by James O. Donnelly and includes an interactive Inline XBRL cover page. The filing gives the event dates and a loan balance figure but provides no further details about the board changes or the dividend amount.
NORWOOD FINANCIAL CORP (NWFL) filed an 8-K reporting two press releases dated Sept 17, 2025: one announcing changes to the board and another announcing a dividend. The filing also discloses that during the fiscal year ended December 31, 2024, the largest aggregate outstanding principal balance of all such loans was $32,983. The submission is signed by James O. Donnelly and includes an interactive Inline XBRL cover page. The filing gives the event dates and a loan balance figure but provides no further details about the board changes or the dividend amount.
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.