Ronald R. Schmalzle - 10 Oct 2025 Form 4 Insider Report for NORWOOD FINANCIAL CORP (NWFL)

Role: Director
Signature: /s/Ronald R. Schmalzle, by John M. McCaffery, Attorney-in-Fact
Issuer symbol: NWFL
Transactions as of: 10 Oct 2025
Net transactions value: +$7,341
Form type: 4
Filing time: 13 Feb 2026, 16:25:55 UTC
Previous filing: 05 Aug 2025
Next filing: 18 Dec 2025
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
Schmalzle Ronald R	Director	717 MAIN STREET, HONESDALE	/s/Ronald R. Schmalzle, by John M. McCaffery, Attorney-in-Fact	13 Feb 2026	0002031354

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	NWFL	Common Stock	Award	$2,997	+116	+1.4%	$25.84	8,506	10 Oct 2025	Direct	F1
transaction	NWFL	Common Stock	Award	$2,984	+105	+1.2%	$28.42	8,611	12 Jan 2026	Direct	F1
transaction	NWFL	Common Stock	Award	$1,360	+43	+0.5%	$31.62	8,654	11 Feb 2026	Direct	F1
holding	NWFL	Common Stock						27,068	10 Oct 2025	IRA
holding	NWFL	Common Stock						550	10 Oct 2025	Restricted Stock	F2
holding	NWFL	Common Stock						825	10 Oct 2025	Restricted Stock	F3

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

Explanation of Responses:

Id	Content
F1	Director Retainer Shares issued under the 2024 Equity Incentive Plan.
F2	Award vests in three equal installments beginning on 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 three 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.