Norwood Financial's Tracie Young holds 397 shares directly

Two restricted-stock awards vest in five equal installments beginning December 24, 2025, and December 16, 2026, during continued service.

Rhea-AI Filing Summary

Norwood Financial Corp (NWFL) reports that Tracie Young, EVP & CRO, held 397 shares of common stock directly as of October 1, 2026. The ownership record also lists indirectly held restricted stock. Two award schedules provide for vesting in five equal installments beginning December 24, 2025, and December 16, 2026, respectively, and annually thereafter during continued service as an Employee, Outside Director or Director Emeritus, as applicable.

Insider Trade Summary

4 transactions reported

Mixed 4 txns

Insider Young Tracie

Role EVP & CRO

Type	Security	Shares	Price	Value
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--
holding	Common Stock F1	--	--	--
holding	Common Stock F2	--	--	--

Holdings After Transaction: Common Stock — 397 shares (Direct); Common Stock — 3,000 shares (Indirect, Restricted Stock)

Footnotes (2)

1. F1. Award vests in five equal installments beginning on December 24, 2025 and annually thereafter during such periods of continued service as an Employee, Outside Director or Director Emeritus, as applicable.
2. F2. Award vests in five equal installments beginning on December 16, 2026 and annually thereafter during such periods of continued service as an Employee, Outside Director or Director Emeritus, as applicable.

Key Figures

Direct common stock holdings: 397 shares Award vesting installments: 5 equal installments First award vesting start: December 24, 2025 +1 more

4 metrics

Direct common stock holdings 397 shares As of October 1, 2026

Award vesting installments 5 equal installments Each footnoted award

First award vesting start December 24, 2025 Vesting begins during continued service

Second award vesting start December 16, 2026 Vesting begins during continued service

Key Terms

Restricted Stock, vests in five equal installments, continued service

3 terms

Restricted Stock financial

"indirectly held Restricted Stock"

Shares granted to an individual that carry limits on transfer or sale until certain conditions are met, such as staying with the company for a set time or hitting performance targets. Think of them as a locked gift that gradually opens; for investors they matter because they affect how many shares may enter the market later, signal management incentives and potential dilution, and reveal confidence in future company performance.

vests in five equal installments financial

"Award vests in five equal installments"

continued service financial

"during such periods of continued service"

FAQ

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How many NWFL shares did Tracie Young report holding directly?

Tracie Young, EVP & CRO, reported 397 shares of Norwood Financial Corp common stock held directly 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 - 08:36 AM Accepted by SEC EDGAR 10/01/2026 - 08:35 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^*

Young Tracie

(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 & CRO

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	397	D
Common Stock	300	I	Restricted Stock
Common Stock	1,200(1)	I	Restricted Stock
Common Stock	1,500(2)	I	Restricted Stock

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:

1. Award vests in five equal installments beginning on December 24, 2025 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 16, 2026 and annually thereafter during such periods of continued service as an Employee, Outside Director or Director Emeritus, as applicable.

	/s/Tracie Young, 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)