Norwood Financial Corp (NWFL) director Spencer Andress reports Form 3 shareholdings

Rhea-AI Filing Summary

Norwood Financial Corp director Spencer J. Andress filed an initial ownership report showing his holdings of the company’s common stock as of 01/05/2026. The filing reports 8,189 shares of common stock held directly and an additional 7,247 shares held indirectly through Comprehensive Planner Ltd.. This Form 3 establishes his baseline beneficial ownership in Norwood Financial Corp as a director.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Andress Spencer J

Role Director

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

Holdings After Transaction: Common Stock — 8,189 shares (Direct); Common Stock — 7,247 shares (Indirect, Comprehensive Planner Ltd.)

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Accepted by SEC EDGAR 01/15/2026 - 12:39 PM Learn about SEC filing dates

FAQ

What does Norwood Financial Corp (NWFL) disclose in this Form 3 filing?

The filing discloses that director Spencer J. Andress beneficially owns 8,189 shares of Norwood Financial Corp common stock directly and 7,247 shares indirectly through Comprehensive Planner Ltd. as of 01/05/2026.

How many Norwood Financial Corp (NWFL) shares does Spencer J. Andress own directly and indirectly?

Spencer J. Andress reports 8,189 shares of Norwood Financial Corp common stock held directly and 7,247 shares held indirectly through Comprehensive Planner Ltd..

What is the relationship of Spencer J. Andress to Norwood Financial Corp (NWFL)?

Spencer J. Andress is reported as a Director of Norwood Financial Corp and is not listed as an officer or 10% owner in this Form 3 filing.

What is Comprehensive Planner Ltd. in the Norwood Financial Corp Form 3?

The Form 3 identifies Comprehensive Planner Ltd. as the entity through which 7,247 Norwood Financial Corp common shares are held indirectly by Spencer J. Andress.

Does this Norwood Financial Corp (NWFL) Form 3 show any derivative securities?

No derivative securities are listed in Table II of the Form 3; only common stock holdings are reported for Spencer J. Andress.

Is this Norwood Financial Corp (NWFL) Form 3 a joint filing?

No. The document indicates that the Form 3 is filed by one reporting person, namely Spencer J. Andress.

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^*

Andress Spencer J

(Last) (First) (Middle)

717 MAIN STREET

(Street)

HONESDALE PA 18431

(City) (State) (Zip)

2. Date of Event Requiring Statement (Month/Day/Year)
01/05/2026

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	8,189	D
Common Stock	7,247	I	Comprehensive Planner Ltd.

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/Spencer J. Andress By: John M. McCaffery, Attorney-in-Fact	01/15/2026
	** 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.