Sell4

NORWOOD FINANCIAL CORP

NWFL

Total Value

$413.4K

Net $103.6K sold

Filing Date

Sep 4, 2026

4 transactions

Sales

$103.6K

4 transactions

Trade Summary

On Sep 2, 2026 through Sep 4, 2026, O'Bell Vincent, Insider, sold $413.4K of NORWOOD FINANCIAL CORP (NWFL) across 4 transactions. The filing covers Common Stock and reflects net selling of $103.6K. Reported prices ranged from $22.37 to $34.67. Insider transactions are sourced from SEC Form 4 disclosures and should be reviewed alongside company fundamentals and the insider's broader trading history.

Price at the Time of the Trade

NWFL daily price with the insider's sale marked at $34.52.

Sold near the 6-month high · about level with today's price.

Price data is delayed and provided for context only — not investment advice.

Insider Information

Name: O'Bell Vincent
Role: Insider
Location: HONESDALE, PA

Filing Details

Filing Date: Sep 4, 2026
Transaction Date: Sep 2, 2026
Accession Number: 0001193125-26-383813
Form Type: 4
Net Trading Amount: -$103.6K

Non-Derivative Transactions

Date	Security	Shares	Price	Type	Value
Sep 2, 2026	Common Stock	1,500	$32.81	Exercise	$49.2K
Sep 2, 2026	Common Stock	1,500	$34.50	Sale	$51.8K
Sep 2, 2026	Common Stock	1,500	$32.34	Exercise	$48.5K
Sep 2, 2026	Common Stock	1,100	$34.50	Sale	$38.0K
Sep 2, 2026	Common Stock	100	$34.61	Sale	$3.5K
Sep 2, 2026	Common Stock	300	$34.67	Sale	$10.4K
Sep 4, 2026	Common Stock	750	$22.37	Exercise	$16.8K
Sep 4, 2026	Common Stock	1,500	$26.93	Exercise	$40.4K

Derivative Transactions

Date	Security	Shares	Exercise Price	Type	Value
Sep 2, 2026	NWFL derivative	1,500	$32.81	Exercise	$49.2K
Sep 2, 2026	NWFL derivative	1,500	$32.34	Exercise	$48.5K
Sep 4, 2026	NWFL derivative	750	$22.37	Exercise	$16.8K
Sep 4, 2026	NWFL derivative	1,500	$26.93	Exercise	$40.4K

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Footnotes

(F1)Award vests in five equal installments beginning on December 14, 2022 and annually thereafter during such periods of continued service as an Employee, Outside Director or Director Emeritus, as applicable.
(F2)Award vests in five equal installments beginning on December 13, 2023 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 12, 2024 and annually thereafter during such periods of continued service as an Employee, Outside Director or Director Emeritus, as applicable.
(F4)Award vests in five equal installments beginning on December 15, 2025 and annually thereafter during such periods of continued service as and Employee, Outside Director or Director Emeritus, as applicable.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

O'Bell Vincent

(Last)

(First)

(Middle)

717 MAIN STREET

(Street)

HONESDALE

18431

(City)

(State)

(Zip)

2. Issuer Name and Ticker or Trading Symbol
NORWOOD FINANCIAL CORP [ NWFL ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director	10% Owner
X	Officer (give title below)	Other (specify below)
	EVP & Chief Lending Officer

3. Date of Earliest Transaction (Month/Day/Year)
09/02/2026

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	Amount	(A) or (D)	Price		6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
Common Stock	09/02/2026		M		1,500	A	$32.81	5,892	D
Common Stock	09/02/2026		S		1,500	D	$34.502	4,392	D
Common Stock	09/02/2026		M		1,500	A	$32.34	5,892	D
Common Stock	09/02/2026		S		1,100	D	$34.502	4,792	D
Common Stock	09/02/2026		S		100	D	$34.61	4,692	D
Common Stock	09/02/2026		S		300	D	$34.675	4,392	D
Common Stock	09/04/2026		M		750	A	$22.3733	5,142	D
Common Stock	09/04/2026		M		1,500	A	$26.93	6,642	D
Common Stock								300⁽¹⁾	I	Restricted Stock Award
Common Stock								600⁽²⁾	I	Restricted Stock Award
Common Stock								900⁽³⁾	I	Restricted Stock Award
Common Stock								1,200⁽⁴⁾	I	Restricted Stock Award

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	8. Price of Derivative Security (Instr. 5)		10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
Employee Stock Option (right to buy)	$32.81	09/02/2026		M			1,500	12/12/2018	12/12/2027	Common Stock	1,500	$0	0	D
Employee Stock Option (right to buy)	$32.34	09/02/2026		M			1,500	12/11/2019	12/11/2028	Common Stock	1,500	$0	0	D
Employee Stock Option (right to buy)	$22.3733	09/04/2026		M			750	12/13/2017	12/13/2026	Common Stock	750	$0	750	D
Employee Stock Option (right to buy)	$26.93	09/04/2026		M			1,500	12/08/2021	12/08/2030	Common Stock	1,500	$0	2,250	D

Explanation of Responses:

1. Award vests in five equal installments beginning on December 14, 2022 and annually thereafter during such periods of continued service as an Employee, Outside Director or Director Emeritus, as applicable.

2. Award vests in five equal installments beginning on December 13, 2023 and annually thereafter during such periods of continued service as an Employee, Outside Director or Director Emeritus, as applicable.

3. Award vests in five equal installments beginning on December 12, 2024 and annually thereafter during such periods of continued service as an Employee, Outside Director or Director Emeritus, as applicable.

4. Award vests in five equal installments beginning on December 15, 2025 and annually thereafter during such periods of continued service as and Employee, Outside Director or Director Emeritus, as applicable.

	/s/ Vincent G. O'Bell, By Mackenzie Jackson, Power of Attorney	09/04/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

Form 4 as rendered by the SEC from accession 0001193125-26-383813.

NORWOOD FINANCIAL CORP

Trade Summary

Price at the Time of the Trade

Company Information

Insider Information

Filing Details

Non-Derivative Transactions

Derivative Transactions

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Footnotes

SEC Form 4

SEC Filing

SEC Form 4

Price at the Time of the Trade