Norwood Financial (NWFL) Form 3: 1,439 Shares Reported

James Shook filed an initial Form 3 reporting beneficial ownership in NORWOOD FINANCIAL CORb (NWFL).

Rhea-AI Filing Summary

James Shook filed an initial Form 3 reporting beneficial ownership in NORWOOD FINANCIAL CORb (NWFL). The event date reported is 09/16/2025. The filing lists 1,030 shares of common stock held directly and 409 shares held indirectly through Lake Region Supermarket Inc. The Form 3 was signed by an attorney-in-fact on 10/09/2025. The disclosure indicates a director-level relationship and appears to be a routine initial ownership report.

Positive

• Initial Form 3 filed, meeting Section 16(a) disclosure requirements
• Detailed ownership disclosed: 1,030 shares direct and 409 shares indirect

Negative

• None.

Insights

Corporate Governance Expert

TL;DR: Routine director ownership disclosure showing small direct and indirect holdings.

The filing documents that James Shook holds 1,030 common shares directly and 409 shares indirectly via Lake Region Supermarket Inc. as of 09/16/2025, and identifies him as a director. This is a standard initial ownership report under Section 16(a).

Compliance with timely disclosure obligations reduces regulatory risk for insiders and helps market transparency. Monitor future Form 4 filings for any changes in these positions or transactions that could be more material.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Shook James

Role Director

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

Holdings After Transaction: Common Stock — 1,030 shares (Direct); Common Stock — 409 shares (Indirect, Lake Region Supermarket Inc.)

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What did James Shook disclose on the Form 3 for NWFL?

The Form 3 discloses 1,030 common shares held directly and 409 common shares held indirectly through Lake Region Supermarket Inc.

What is the effective date of the ownership reported on the Form 3 (NWFL)?

The event date reported is 09/16/2025; the filing was signed on 10/09/2025 by an attorney-in-fact.

What relationship does the reporting person have with NWFL?

The filing indicates the reporting person, James Shook, is a director of the company.

Does the Form 3 report any derivative securities for NWFL?

No. Table II shows no derivative securities reported in this Form 3.

Was the Form 3 filed jointly or individually?

The form indicates it was filed by one reporting person (individual filing).

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

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Accepted by SEC EDGAR 10/09/2025 - 05:03 PM 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^*

Shook James

(Last) (First) (Middle)

717 MAIN STREET

(Street)

HONESDALE 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	1,030	D
Common Stock	409	I	Lake Region Supermarket Inc.

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/James Shook by John M. McCaffery, Attorney-in-Fact	10/09/2025
	** 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.