NWFL Form 3 Filing: Marissa S. Nacinovich Reports 200 Common Shares

Rhea-AI Filing Summary

Marissa S. Nacinovich filed an initial Form 3 reporting beneficial ownership in Norwood Financial Corp (NWFL). The filing shows 200 shares of common stock held in a direct ownership form. The event requiring the statement is dated 09/16/2025 and the form was signed on 09/30/2025 by an attorney-in-fact. The filing identifies Ms. Nacinovich as a Director of the issuer and indicates this is a filing by one reporting person. No derivatives or convertible securities are reported.

Positive

• Form 3 discloses a clear direct ownership position of 200 common shares by Director Marissa S. Nacinovich
• The filing identifies the reporting relationship as Director and is filed by one reporting person

Negative

• None.

Insights

Financial Analyst

TL;DR: Routine initial Section 16 disclosure showing a small direct ownership position by a director.

The Form 3 documents a straightforward disclosure of direct ownership: 200 shares of common stock in NWFL held by Marissa S. Nacinovich. This is an initial ownership statement, not a transaction report, and it contains no derivative positions or additional economic terms. For investors, the filing itself is informational and does not indicate material changes to capital structure or control.

Corporate Governance Expert

TL;DR: Governance disclosure completed: director reported direct holdings; no indirect interests or derivative instruments disclosed.

The report confirms that a board member has a documented equity stake of 200 shares and that the Form 3 was executed by an attorney-in-fact. The disclosure meets the purpose of initial insider reporting by establishing a public record of the director's holdings. There are no noted amendments, joint filings, or complexity in ownership structure.

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^*

Nacinovich Marissa S

(Last) (First) (Middle)

717 MAIN STREET

(Street)

HONESDALE PA 18431

(City) (State) (Zip)

2. Date of Event Requiring Statement (Month/Day/Year)
09/16/2025

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

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

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

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	200	D

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/Marissa S Nacinovich by John M. McCaffery, Attorney-in-Fact	09/30/2025
	** 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 did the Form 3 filed for NWFL report?

The Form 3 reports that Marissa S. Nacinovich holds 200 shares of common stock of Norwood Financial Corp (NWFL) in direct ownership.

When is the event date and signature date on the NWFL Form 3?

The event requiring the statement is dated 09/16/2025 and the form was signed on 09/30/2025 by an attorney-in-fact.

Does the Form 3 for NWFL report any derivative securities?

No. The filing contains no reported derivative securities, options, warrants, or convertible instruments.

What is Marissa Nacinovich's relationship to NWFL as stated on the form?

The form indicates Ms. Nacinovich's relationship to the issuer as a Director.

Was the Form 3 filed jointly or by a single reporting person?

The Form 3 indicates it was filed by one reporting person.