Norwood Financial CIO holds 4,840 shares directly

Norwood Financial Corp EVP & CIO Larry Witt reported 4,840 shares of common stock held directly and 262 shares held indirectly through an IRA, as of October 1, 2026.

Rhea-AI Filing Summary

Norwood Financial Corp EVP & CIO Larry Witt reported 4,840 shares of common stock held directly and 262 shares held indirectly through an IRA, as of October 1, 2026.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Witt Larry

Role EVP & CIO

Type	Security	Shares	Price	Value
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 4,840 shares (Direct); Common Stock — 262 shares (Indirect, IRA)

Key Figures

Direct common stock holdings: 4,840 shares Indirect common stock holdings: 262 shares

2 metrics

Direct common stock holdings 4,840 shares Larry Witt; as of October 1, 2026

Indirect common stock holdings 262 shares Held through an IRA; Larry Witt; as of October 1, 2026

Key Terms

Direct ownership, Indirect ownership, IRA

3 terms

Direct ownership financial

"shares of common stock held directly"

Indirect ownership financial

"shares held indirectly through an IRA"

IRA financial

"held indirectly through an IRA"

An individual retirement account (IRA) is a savings account designed to help people put aside money for their retirement, often with tax advantages that encourage long-term savings. It matters to investors because it can grow over time, providing financial security later in life, and offers benefits that can reduce current taxes or allow investments to compound more effectively.

FAQ

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How many NWFL shares did Larry Witt report owning?

Larry Witt, Norwood Financial Corp's EVP & CIO, reported 4,840 shares held directly and 262 shares held indirectly through an IRA, as of October 1, 2026.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 10/01/2026 - 08:27 AM Accepted by SEC EDGAR 10/01/2026 - 08:27 AM Learn about SEC filing dates

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

OMB APPROVAL

OMB Number:			3235-0104
Estimated average burden
hours per response:			0.5

1. Name and Address of Reporting Person^*

Witt Larry

(Last) (First) (Middle)

717 MAIN STREET

(Street)

HONESDALE PENNSYLVANIA 18431

(City) (State) (Zip)

UNITED STATES

(Country)

2. Date of Event Requiring Statement (Month/Day/Year)
10/01/2026

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

3a. Foreign Trading Symbol

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

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

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

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	4,840	D
Common Stock	262	I	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/ Larry Witt by Mackenzie Jackson, Power of Attorney	10/01/2026
	** 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.
* Form 3: SEC 1473 (03-26)