[Filing Details](index=1&type=section&id=Filing%20Details) This section outlines the registrant's fundamental identification and reporting information [Registrant and Filing Information](index=1&type=section&id=Registrant%20and%20Filing%20Information) This section provides the essential identifying details for Norwood Financial Corp, including its incorporation state, commission file number, principal executive offices address, and contact information, along with the date of the report - Registrant Name: **NORWOOD FINANCIAL CORP**[1](index=1&type=chunk) - Date of Report (earliest event reported): **October 10, 2025**[1](index=1&type=chunk) - Principal executive offices address: **717 Main Street, Honesdale, Pennsylvania 18431**[1](index=1&type=chunk) [Securities and Company Status](index=1&type=section&id=Securities%20and%20Company%20Status) This part details the registrant's registered securities and clarifies its status regarding the emerging growth company classification | Title of each class | Trading symbol(s) | Name of each exchange on which registered | | :------------------ | :---------------- | :---------------------------------------- | | Common Stock, par value $0.10 per share | NWFL | The Nasdaq Stock Market LLC | - Norwood Financial Corp is **not an emerging growth company**[4](index=4&type=chunk) [Information to be Included in the Report](index=2&type=section&id=INFORMATION%20TO%20BE%20INCLUDED%20IN%20THE%20REPORT) This section details the specific items included in the report, focusing on financial results and accompanying exhibits [Item 2.02 Results of Operations and Financial Condition](index=2&type=section&id=Item%202.02%20Results%20of%20Operations%20and%20Financial%20Condition) Norwood Financial Corp announced the upcoming release of its third-quarter 2025 financial results and the scheduling of a corresponding webcast and conference call to discuss these results - Norwood Financial Corp will release its **third quarter 2025 financial results** on **October 22, 2025**[6](index=6&type=chunk) - A webcast and conference call are scheduled for **October 22, 2025**, to discuss the financial results[6](index=6&type=chunk) - A press release dated **October 10, 2025**, detailing these announcements is furnished as **Exhibit 99.1**[6](index=6&type=chunk) [Item 9.01 Financial Statements and Exhibits](index=2&type=section&id=Item%209.01%20Financial%20Statements%20and%20Exhibits) This section lists the exhibits furnished with the 8-K report, primarily the press release detailing the Q3 2025 financial results announcement | No. | Description | | :-- | :-------------------------------------------------- | | 99.1 | Press Release dated October 10, 2025. | | 104 | Cover Page Interactive Data File (embedded within the Inline XBRL document). | [Signatures](index=3&type=section&id=SIGNATURES) This section confirms the official signing of the report by an authorized representative [Authorized Signatory](index=3&type=section&id=Authorized%20Signatory) This section confirms the official signing of the report by an authorized representative of Norwood Financial Corp, fulfilling the requirements of the Securities Exchange Act of 1934 - The report was signed on **October 14, 2025**, by **John M. McCaffery**, Executive Vice President and Chief Financial Officer, as the duly authorized representative[12](index=12&type=chunk)

Financial Performance (Q3 2025) - Net interest income reached $20.5 million, with a net interest spread of 2.94%[16] - Adjusted pre-provision net revenue was $10.6 million[16] - Adjusted net income totaled $8.8 million, resulting in adjusted diluted earnings per share of $0.94[16] - Adjusted return on average assets was 1.47%, and adjusted return on tangible equity was 17.66%[16] Merger and Acquisition - The company has filed all required applications with regulatory authorities for approval of the merger with PB Bankshares, Inc ("PBBKˮ)[6, 13] - The proposed merger transaction will be submitted to the shareholders of PBBK for their consideration[13] Balance Sheet and Portfolio - Total assets reached $2.4 billion[19] - Total gross loans amounted to $1.8 billion[19] - Total deposits totaled $2.1 billion[19] Credit Quality - Non-performing loans to total loans was 0.36% YTD[29] - Net charge-offs to total loans was 0.07% YTD[29] Deposit Composition - Non-interest bearing demand deposits account for 21% of the total deposit portfolio[31] - Interest bearing demand deposits account for 17% of the total deposit portfolio[31]

Core Insights - Norwood Financial Corp reported strong financial results for the third quarter and year-to-date ending September 30, 2025, highlighting solid growth, improved profitability, and efficiency [1][3][7]. Financial Performance - Net income for the three months ended September 30, 2025, was $8.334 million, an increase of $4.490 million compared to the same period in 2024 [7]. - Net interest income rose to $20.458 million for the third quarter of 2025, up from $15.931 million in the same quarter of 2024, reflecting an increase of $4.527 million [1][9]. - The net interest margin improved to 3.63% in Q3 2025, compared to 2.99% in Q3 2024, marking a 64 basis points increase [1][3][9]. - Pre-Provision Net Revenue (PPNR) for the third quarter was $10.029 million, up from $6.195 million year-over-year [1][9]. Growth Metrics - Loans receivable increased to $1.815 billion as of September 30, 2025, representing an 8.3% increase from $1.675 billion in the same period last year [7][9]. - Total deposits reached $2.074 billion, an increase of 11.8% from $1.855 billion year-over-year [7][9]. - Year-to-date loan growth was at an annualized rate of 7.3%, while deposits grew at an annualized rate of 15% [3][7]. Efficiency and Returns - The efficiency ratio improved to 56.3% in Q3 2025, down from 66.0% in Q3 2024, indicating better cost management [7]. - Return on average assets increased to 1.40%, up 72 basis points from the previous year [3][7]. - Return on average tangible equity rose to 16.76%, an increase of 718 basis points year-over-year [3][7]. Brand and Market Position - The company launched its "Every Day Better" brand, which received positive feedback from customers and employees, enhancing its market presence and company culture [1][3].

Core Insights - Norwood Financial Corp. (NASDAQ:NWFL) is recognized as one of the 12 Best Dividend Stocks with yields exceeding 4% [1] - The company reported total assets of $2.365 billion as of June 30, 2025, reflecting a 5.82% increase from $2.235 billion a year prior [3] - Norwood Financial has demonstrated solid mid-year performance, with growth in loans and deposits, and improved yields attributed to a strategic repositioning in Q4 2024 [4] Financial Performance - In the second quarter of 2025, Norwood Financial highlighted continued performance improvement, driven by higher yields and stronger results across all business lines [4] - The company offers a quarterly dividend of $0.31 per share, having increased it by 3.3% in December 2024, marking the 32nd consecutive year of dividend growth [5] - As of October 12, Norwood Financial supports a dividend yield of 5.04% [5] Business Operations - Norwood Financial Corp. operates through its subsidiary, Wayne Bank, providing a range of services including personal and business credit, trust and investment products, and real estate settlement services [2] - The Wealth Management and Trust Department of the company offers estate planning, investment management, and financial planning solutions [2]

HONESDALE, Pa., Oct. 10, 2025 (GLOBE NEWSWIRE) -- Norwood Financial Corp (Nasdaq Global Market-NWFL) and its subsidiary, Wayne Bank, will release its third quarter 2025 financial results before market opens on Wednesday, October 22, 2025. On the same day, the Company will host a webcast and conference call at 9:00 a.m. ET to discuss the financial results. To participate in the live call, you may register and connect via webcast using this link: https://register-conf.media-server.com/register/BIb0fd881de5ac4 ...

Company Overview - Norwood Financial Corp. (NWFL) is headquartered in Honesdale and has experienced a price change of -6.56% this year [3] - The company currently pays a dividend of $0.31 per share, resulting in a dividend yield of 4.88%, which is significantly higher than the Banks - Northeast industry's yield of 2.62% and the S&P 500's yield of 1.49% [3] Dividend Performance - The current annualized dividend of $1.24 represents a 3.3% increase from the previous year [4] - Over the past 5 years, NWFL has increased its dividend 5 times, achieving an average annual increase of 4.67% [4] - The company's current payout ratio is 57%, indicating that it pays out 57% of its trailing 12-month earnings per share as dividends [4] Earnings Growth and Future Outlook - NWFL is expected to see earnings growth this fiscal year, with the Zacks Consensus Estimate for 2025 at $2.68 per share, reflecting a year-over-year growth rate of 38.86% [5] - Future dividend growth will depend on earnings growth and the payout ratio [4] Investment Considerations - NWFL is considered a compelling investment opportunity due to its strong dividend profile and current Zacks Rank of 3 (Hold) [6] - Income investors are attracted to dividends for their potential to enhance stock investing profits and reduce overall portfolio risk [5]

Core Points - Lewis J. Critelli has retired from the Board of Directors of Norwood Financial Corp and Wayne Bank effective September 16, 2025, after a distinguished career in banking [1][2] - Dr. Andrew A. Forte has been appointed as the new Chairman of the Board, while Kevin Lamont has been appointed as Vice Chairman [1][2] - Critelli's leadership contributed to significant growth and three successful acquisitions during his tenure [2][4] Leadership Transition - Critelli expressed confidence in the future success of Norwood under the leadership of Jim Donnelly and the support of the Board [2] - Jim Donnelly acknowledged Critelli's mentorship and leadership, emphasizing the strength of the organization achieved during his tenure [2] - Dr. Forte highlighted the Board's commitment to continuing the momentum built under Critelli's leadership [2] New Board Members - Marissa Nacinovich, D.M.D. and James Shook have been appointed to the Board of Directors [5][11] - Dr. Nacinovich has nearly two decades of experience in dentistry and is actively involved in community service [6][8] - James Shook has over 30 years of business and public service experience, having successfully operated a supermarket and served as a county commissioner [9][10] Company Overview - Norwood Financial Corp is the parent company of Wayne Bank, operating 16 offices in Northeastern Pennsylvania and 14 offices in New York [11]

Group 1 - Norwood Financial (NASDAQ: NWFL) is the holding company of Wayne Bank, which focuses on the Pennsylvania community banking sector [1] - The financial results of Norwood Financial have shown improvement, prompting a potential upgrade from a "hold" position on the stock [1] - The company recently announced an acquisition, indicating strategic growth initiatives [1] Group 2 - There is a possibility of initiating a long position in NWFL, although this is unlikely to occur in the next 72 hours [2]

Company Overview - Norwood Financial Corp. (NWFL) is located in Honesdale and operates within the Finance sector [3] - The stock has experienced a price change of -0.86% since the beginning of the year [3] Dividend Information - The current dividend payout is $0.31 per share, resulting in a dividend yield of 4.6%, which is significantly higher than the Banks - Northeast industry's yield of 2.49% and the S&P 500's yield of 1.47% [3] - The annualized dividend of $1.24 has increased by 3.3% from the previous year [4] - Over the past 5 years, NWFL has raised its dividend 5 times, achieving an average annual increase of 4.67% [4] - The current payout ratio is 57%, indicating that the company distributes 57% of its trailing 12-month earnings per share as dividends [4] Earnings Growth - The Zacks Consensus Estimate for 2025 projects earnings of $2.68 per share, reflecting a year-over-year growth rate of 38.86% [5] - Future dividend growth will depend on earnings growth and the payout ratio [4] Investment Appeal - NWFL is considered an attractive dividend investment and is rated with a Zacks Rank of 2 (Buy) [6] - The company is positioned as a compelling investment opportunity, especially for income investors seeking consistent cash flow [2][6]

Company Overview - Norwood Financial Corp. (NWFL) is headquartered in Honesdale and has experienced a price change of -7.26% this year [3] - The company currently pays a dividend of $0.31 per share, resulting in a dividend yield of 4.91%, which is significantly higher than the Banks - Northeast industry's yield of 2.69% and the S&P 500's yield of 1.5% [3] Dividend Performance - The current annualized dividend of Norwood Financial is $1.24, reflecting a 3.3% increase from the previous year [4] - Over the past 5 years, the company has increased its dividend 5 times, achieving an average annual increase of 4.67% [4] - The current payout ratio is 57%, indicating that the company pays out 57% of its trailing 12-month earnings per share as dividends [4] Earnings Expectations - The Zacks Consensus Estimate for 2025 projects earnings of $2.68 per share, with an expected increase of 38.86% from the previous year [5] Investment Appeal - NWFL is considered a compelling investment opportunity due to its attractive dividend yield and strong Zacks Rank of 1 (Strong Buy) [6]