John Martin McCaffery Jr. - 16 Dec 2025 Form 4 Insider Report for NORWOOD FINANCIAL CORP (NWFL)

Role: EVP & CFO
Signature: /s/ John M. McCaffery
Issuer symbol: NWFL
Transactions as of: 16 Dec 2025
Net transactions value: +$59,600
Form type: 4
Filing time: 18 Dec 2025, 17:18:47 UTC
Previous filing: 01 Aug 2025
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
McCaffery John Martin JR	EVP & CFO	717 MAIN STREET, HONESDALE	/s/ John M. McCaffery	18 Dec 2025	0001609067

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	NWFL	Common Stock	Award	$59,600	+2,000		$29.80	2,000	16 Dec 2025	Restricted Stock	F3
holding	NWFL	Common Stock						1,500	16 Dec 2025	Direct
holding	NWFL	Common Stock						3,000	16 Dec 2025	IRA
holding	NWFL	Common Stock						804	16 Dec 2025	Restricted Stock	F1
holding	NWFL	Common Stock						1,200	16 Dec 2025	Restricted Stock	F2

* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Explanation of Responses:

Id	Content
F1	Award vests 200 shares on June 24, 2025 and then 201 shares annually thereafter until such stock award shares are fully earned.
F2	Award vests in three equal installments beginning December 15, 2025 and annually thereafter during such periods of continued service as an Employee, Outside Director or Director Emeritus, as applicable.
F3	Award vests in five equal installments beginning on December 15, 2026 and annually thereafter during such periods of continued service as an Employee, Outside Director or DIrector Emeritus, as applicable.