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 Joseph W. Carroll reported an open-market purchase of 180 shares of Common Stock at $29.61 per share, held indirectly through an IRA. After this transaction, that IRA holding increased to 904 shares. As of the same date, he also reported 724 shares held through his spouse’s IRA, 7,247 shares held by his spouse, and 41,594 shares held directly in his name, underscoring a sizable combined ownership position across direct and indirect accounts.
NORWOOD FINANCIAL CORP director James Shook bought additional company stock in an open-market transaction. On April 30, 2026, he purchased 375 shares of Common Stock at a price of $29.06 per share, bringing his direct ownership to 9,353 shares.
He also has 825 shares of Common Stock reported as indirect ownership classified as Restricted Stock. According to the award terms, these restricted shares vest in three equal installments beginning on December 15, 2026 and annually thereafter, contingent on his continued service in an eligible role.
NORWOOD FINANCIAL CORP EVP & CFO John Martin McCaffery Jr reported an open-market purchase of 1,000 shares of common stock at $29.44 per share, held indirectly in an IRA. Following this transaction, that IRA position holds 4,000 common shares.
The filing also updates several indirect restricted stock awards and a direct holding of common stock, reflecting post-transaction balances of 2,000, 1,200 and 804 restricted shares, plus 1,500 directly held shares, subject to the specific vesting schedules described in the awards.
NORWOOD FINANCIAL CORP President & CEO James O. Donnelly reported an open-market purchase of 100 shares of Common Stock at $29.06 per share through an IRA on April 29, 2026. Following this trade, that IRA holds 300 shares indirectly. The filing also restates several indirect restricted stock awards and a direct holding of 11,700 common shares. Footnotes show these restricted awards vest over multi-year schedules, with some vesting 70% after one year and others in five equal annual installments beginning on specified December dates.
Norwood Financial Corp used its 2026 annual shareholders’ meeting presentation to showcase growth, profitability and capital strength for community bank Wayne Bank. The company reported total assets of $2.9 billion, total gross loans of $2.2 billion, total deposits of $2.4 billion and total equity of $284 million as of December 31, 2025, excluding the Presence Bank acquisition.
For 2025, net interest margin increased 52 basis points, helped by a portfolio repositioning completed in December 2024, while the efficiency ratio declined, reflecting improved interest income. The bank remains well capitalized, with total risk-based capital of 13.06% in 2025 versus a 10% “well capitalized” threshold, and operating expenses to average assets of 2.07% in Q4 2025, lower than national and local peers.
The presentation highlights record Q1 2026 net interest income and stronger margins, including a net interest spread of 3.04%, net interest margin of 3.68%, adjusted return on assets of 1.10% and adjusted return on tangible equity of 12.65%, all year-over-year improvements. Norwood also emphasizes shareholder returns, with a dividend yield of 4.2% as of April 23, 2026, a 2025 dividend per share of $1.24, 34 consecutive years of dividend increases, and a share repurchase program authorizing buybacks of up to 5% of outstanding shares, under which over 10,000 shares were repurchased in 2025.
Norwood Financial Corp reported first quarter 2026 results that reflect strong underlying banking performance but lower GAAP earnings due to merger-related costs. Net income was $3.7 million, or $0.35 per diluted share, down from $0.63 a year earlier, as the Company absorbed $4.9 million of merger expenses and a $225 thousand bank owned life insurance restructuring fee.
On an adjusted basis, net income rose to $7.8 million and diluted EPS to $0.72, with adjusted return on average assets at 1.10% and adjusted return on average tangible equity at 12.65%. Net interest income increased to $24.6 million, up 38% year over year, and the fully taxable-equivalent net interest margin expanded to 3.68%. Following the January 5, 2026 acquisition of PB Bancshares, total assets reached $2.9 billion, loans $2.24 billion, and deposits $2.51 billion, while credit quality remained solid with nonperforming loans at 0.46% of total loans and nonperforming assets at 0.38% of total assets.
Shook James reported acquisition or exercise transactions in this Form 4 filing.
NORWOOD FINANCIAL CORP director James Shook received a stock award, increasing his holdings. He was granted 45 shares of Common Stock at $30.39 per share as Director Retainer Shares issued under the 2024 Equity Incentive Plan.
After this grant, he directly owns 8,978 shares of Common Stock. He also has an indirect holding of 825 Restricted Stock shares. The award vests in three equal installments beginning on December 15, 2026 and annually thereafter, subject to continued service.
Carroll Joseph W reported acquisition or exercise transactions in this Form 4 filing.
NORWOOD FINANCIAL CORP director Joseph W. Carroll received an equity grant of 45 shares of Common Stock at $30.39 per share on April 10, 2026. The footnote states these are Director Retainer Shares issued under the 2024 Equity Incentive Plan, reflecting routine board compensation rather than an open-market purchase.
Following this award, Carroll directly holds 41,594 Common Stock shares. He also has indirect holdings reported as 7,247 shares held by his spouse, 724 shares held in his IRA, and 724 shares held in his spouse’s IRA.
Hungerford Meg L reported acquisition or exercise transactions in this Form 4 filing.
NORWOOD FINANCIAL CORP director Meg L. Hungerford received a grant of 45 shares of common stock on April 10, 2026 at $30.39 per share as director retainer shares under the 2024 Equity Incentive Plan. This is a compensation-related award, not an open-market purchase.
Following the grant, she directly holds 6,198 common shares. She also reports indirect holdings, including 990 shares as custodian for children and several restricted stock awards that vest in equal annual installments beginning on specified December dates, subject to continued service.
LAMONT KEVIN M reported acquisition or exercise transactions in this Form 4 filing.
NORWOOD FINANCIAL CORP director Kevin M. Lamont received a stock award rather than making an open-market trade. On April 10, 2026, he was granted 45 shares of common stock at $30.39 per share as Director Retainer Shares under the 2024 Equity Incentive Plan.
Following this grant, Lamont directly holds 135,915 common shares, with additional indirect holdings listed for his spouse and several restricted stock awards that vest over time in equal annual installments beginning on specified December dates.