Insider Amin details Norwood Financial (NWFL) stock holdings via Form 3

Rhea-AI Filing Summary

Norwood Financial Corp executive Janak M. Amin, EVP & COO, filed an initial statement of beneficial ownership. As of 01/05/2026, he reports holding 31,879 shares of Norwood Financial common stock directly.

He also reports indirect ownership of additional common shares through retirement accounts: 923 shares held by a Roth IRA, 40,154 shares held by an IRA, and 822 shares held by his spouse's Roth IRA. The filing does not list any stock options, warrants, or other derivative securities.

SEC Form 3

FORM 3

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

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

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

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1. Name and Address of Reporting Person^*

AMIN JANAK M

(Last) (First) (Middle)

717 MAIN STREET

(Street)

HONESDALE PA 18431

(City) (State) (Zip)

2. Date of Event Requiring Statement (Month/Day/Year)
01/05/2026

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

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

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

5. 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 Beneficially Owned
1. Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)
Common Stock	31,879	D
Common Stock	923	I	By Roth IRA
Common Stock	40,154	I	By IRA
Common Stock	822	I	By Spouse's Roth IRA

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

	/s/ Janak M. Amin By: John M. McCaffery, Attorney-in-Fact	01/15/2026
	** 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 5 (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.

FAQ

What does Norwood Financial (NWFL) Form 3 report for Janak M. Amin?

It reports EVP & COO Janak M. Amin's initial beneficial ownership of Norwood Financial common stock as of 01/05/2026, including direct and indirect holdings.

How many NWFL shares does Janak M. Amin own directly?

The Form 3 shows that he directly owns 31,879 shares of Norwood Financial common stock.

What indirect Norwood Financial (NWFL) holdings are reported for Janak M. Amin?

He reports indirect ownership of 923 shares by a Roth IRA, 40,154 shares by an IRA, and 822 shares by his spouse's Roth IRA.

Does the NWFL Form 3 for Janak M. Amin include any derivative securities?

No. The filing shows no derivative securities such as options, warrants, or convertible instruments beneficially owned.

What is Janak M. Amin’s role at Norwood Financial (NWFL)?

He is reported as an officer of Norwood Financial Corp, serving as EVP & COO.

Is the Form 3 for Norwood Financial (NWFL) filed by more than one reporting person?

No. The document indicates it is filed by one reporting person, Janak M. Amin.