Norwood Financial: Ryan J. French holds 150 shares directly

French's listed options have exercise prices ranging from $26.9300 to $36.0200 and expirations through December 12, 2033.

Rhea-AI Filing Summary

Norwood Financial Corp (NWFL) reports Ryan J. French, EVP & CHRO, with 150 common shares held directly and 2,042 held indirectly through an IRA as of October 1, 2026. As of that date, it also lists six direct stock-option positions, each covering 1,500 to 2,500 underlying common shares, with exercise prices from $26.9300 to $36.0200 and expirations from December 12, 2027, through December 12, 2033. Two restricted-stock entries have five equal annual vesting installments beginning December 24, 2025, and December 16, 2026, respectively, during periods of continued service.

Insider Trade Summary

11 transactions reported

Mixed 11 txns

Insider French Ryan J.

Role EVP & CHRO

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

Holdings After Transaction: Stock Options — 12,500 contracts (Direct); Common Stock — 150 shares (Direct); Common Stock — 2,042 shares (Indirect, IRA); 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

Common shares held directly: 150 shares Common shares held indirectly through IRA: 2,042 shares Direct stock options: 1,500 underlying common shares; $32.8100 exercise price +5 more

8 metrics

Common shares held directly 150 shares As of October 1, 2026

Common shares held indirectly through IRA 2,042 shares As of October 1, 2026

Direct stock options 1,500 underlying common shares; $32.8100 exercise price As of October 1, 2026; expiration December 12, 2027

Direct stock options 2,000 underlying common shares; $32.3400 exercise price As of October 1, 2026; expiration December 11, 2028

Direct stock options 1,500 underlying common shares; $36.0200 exercise price As of October 1, 2026; expiration December 10, 2029

Direct stock options 2,500 underlying common shares; $26.9300 exercise price As of October 1, 2026; expiration December 8, 2030

Direct stock options 2,500 underlying common shares; $33.5300 exercise price As of October 1, 2026; expiration December 13, 2032

Direct stock options 2,500 underlying common shares; $29.6600 exercise price As of October 1, 2026; expiration December 12, 2033

Key Terms

Stock Options, Restricted Stock, IRA

3 terms

Stock Options financial

"Stock Options"

Stock options are agreements that give a person the right to buy or sell a company's stock at a specific price within a certain time frame. They are often used as a reward or incentive, similar to a coupon that can be used later if the stock price rises, allowing the holder to make a profit.

Restricted Stock financial

"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.

IRA financial

"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

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

How many NWFL shares does Ryan J. French hold?

He reports 150 common shares held directly and 2,042 common shares held indirectly through an IRA as of October 1, 2026.

What stock options does Ryan J. French report for NWFL?

The direct option holdings cover 1,500 shares at a $32.8100 exercise price, expiring December 12, 2027; 2,000 shares at $32.3400, expiring December 11, 2028; 1,500 shares at $36.0200, expiring December 10, 2029; 2,500 shares at $26.9300, expiring December 8, 2030; 2,500 shares at $33.5300, expiring December 13, 2032; and 2,500 shares at $29.6600, expiring December 12, 2033.

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

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Available on EDGAR 10/01/2026 - 08:43 AM Accepted by SEC EDGAR 10/01/2026 - 08:42 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^*

French Ryan J.

(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 & CHRO

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	150	D
Common Stock	2,042	I	IRA
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
Stock Options	12/12/2018	12/12/2027	Common Stock	1,500	$32.81	D
Stock Options	12/11/2019	12/11/2028	Common Stock	2,000	$32.34	D
Stock Options	12/10/2020	12/10/2029	Common Stock	1,500	$36.02	D
Stock Options	12/08/2021	12/08/2030	Common Stock	2,500	$26.93	D
Stock Options	12/13/2023	12/13/2032	Common Stock	2,500	$33.53	D
Stock Options	12/12/2024	12/12/2033	Common Stock	2,500	$29.66	D

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/ Ryan J. French, 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)