Norwood Financial Corp (NWFL) — SEC Filings
Norwood Financial Corp (NWFL) — 50 SEC filings. Latest: 10-Q (May 8, 2026). Includes 36 8-K, 7 10-Q, 2 DEF 14A.
View Norwood Financial Corp on SEC EDGAR
Overview
Norwood Financial Corp (NWFL) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a 8-K filed on Apr 28, 2026: On April 28, 2026, Norwood Financial Corp filed an 8-K report. The filing primarily consists of exhibits, including financial statements and graphical representations, as indicated by Item 9.01. It also includes a Regulation FD Disclosure under Item 7.01, though specific details of this disclosure a
Sentiment Summary
Across 50 filings, the sentiment breakdown is: 3 bullish, 2 bearish, 45 neutral. The dominant filing sentiment for Norwood Financial Corp is neutral.
Filing Type Overview
Norwood Financial Corp (NWFL) has filed 7 10-Q, 36 8-K, 1 ARS, 2 DEF 14A, 2 10-K, 1 13F-HR, 1 DEFA14A with the SEC between Mar 2024 to May 2026.
Filings by Year
Recent SEC Filings (50)
Risk Profile
Risk Assessment: Of NWFL's 46 recent filings, 0 were flagged as high-risk, 17 as medium-risk, and 29 as low-risk. The overall risk profile suggests relatively low risk with generally favorable filings.
Financial Highlights
| Metric | Value |
|---|---|
| Revenue | $93,482,000 |
| Net Income | $20,313,000 |
| EPS | $2.22 |
| Debt-to-Equity | 0.93 |
| Cash Position | $74,730,000 |
| Operating Margin | N/A |
| Total Assets | $2,411,951,000 |
| Total Debt | $72,071,000 |
Key Executives
- Lewis J. Critelli
- James O'Donnelly
- Michael J. Evans
- John R. Hedges
- Robert L. Davies Jr.
- Michael J. Rinaldi
- Robert J. W. S. L. Davies Jr.
- Michael J. Tierney
- Robert G. Nelson
- James O. Donnelly
- Robert J. McAlaine
- Michael L. Tierney
Industry Context
Norwood Financial Corp operates within the community banking sector, characterized by a focus on local markets and relationship-based lending. The industry is currently experiencing growth in loan demand, as evidenced by NWFL's $100.976 million increase in loans receivable. However, banks are also navigating a dynamic interest rate environment and increasing competition from both traditional and non-traditional financial service providers.
Top Tags
financials (15) · acquisition (11) · merger (9) · corporate-governance (6) · sec-filing (5) · 8-k (5) · financial-reporting (4) · 10-Q (4) · annual-report (3) · executive-compensation (3)
Key Numbers
| Metric | Value | Context |
|---|---|---|
| Net Income (3 months) | $8.334M | Increased 116.8% from $3.844M in 2024 |
| Net Income (9 months) | $20.313M | Increased 62.6% from $12.491M in 2024 |
| Net Interest Income (3 months) | $20.458M | Increased 28.4% from $15.931M in 2024 |
| Net Interest Income (9 months) | $57.380M | Increased 25.9% from $45.566M in 2024 |
| Release of Provision for Credit Losses (3 months) | $502K | Shift from $1.345M provision in 2024 |
| Total Assets | $2.411B | Increased from $2.317B at Dec 31, 2024 |
| Loans Receivable | $1.794B | Increased by $100.976M from $1.693B at Dec 31, 2024 |
| Total Deposits | $2.073B | Increased by $214.805M from $1.859B at Dec 31, 2024 |
| Basic EPS (3 months) | $0.89 | Increased from $0.48 in 2024 |
| Basic EPS (9 months) | $2.22 | Increased from $1.55 in 2024 |
| Q2 2025 Net Income | $4.5M | Decreased by 13.5% from Q2 2024's $5.2M |
| YTD 2025 Net Income | $9.0M | Decreased by 14.3% from YTD 2024's $10.5M |
| Q2 Net Income Decline | 13.5% | Reflects impact of rising interest rates on profitability |
| YTD Net Income Decline | 14.3% | Highlights sustained pressure on earnings over six months |
| Acquisition Value | $28.5M | Total price Norwood Financial is paying for Wayne Bancorp. |
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Frequently Asked Questions
What are the latest SEC filings for Norwood Financial Corp (NWFL)?
Norwood Financial Corp has 50 recent SEC filings from Mar 2024 to May 2026, including 36 8-K, 7 10-Q, 2 DEF 14A. Each filing includes an AI-generated plain-English summary.
What is the overall sentiment of NWFL filings?
Across 50 filings, the sentiment breakdown is: 3 bullish, 2 bearish, 45 neutral. The dominant sentiment is neutral.
Where can I find Norwood Financial Corp SEC filings explained simply?
ReadTheFiling provides AI-powered plain-English summaries of all Norwood Financial Corp (NWFL) SEC filings, including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, and insider trades.
What are the key financial highlights for Norwood Financial Corp?
Key financial highlights from Norwood Financial Corp's most recent 10-Q include metrics such as revenue, net income, EPS, and debt ratios. Visit the filing detail page for the full breakdown.
What is the investment thesis for NWFL?
The investment thesis for NWFL includes bull, base, and bear case scenarios derived from AI analysis of recent SEC filings.
Who are the key executives at Norwood Financial Corp?
Key executives identified across Norwood Financial Corp's filings include Lewis J. Critelli, James O'Donnelly, Michael J. Evans, John R. Hedges, Robert L. Davies Jr. and 7 others.
What are the main risk factors for Norwood Financial Corp stock?
Of NWFL's 46 assessed filings, 0 were flagged high-risk, 17 medium-risk, and 29 low-risk.
What are recent predictions and forward guidance from Norwood Financial Corp?
Forward guidance and predictions for Norwood Financial Corp are extracted from SEC filings as they are enriched.