Norwood Financial Corp (NWFL) director discloses initial share holdings

Rhea-AI Filing Summary

Norwood Financial Corp director Joseph W. Carroll filed an initial statement of beneficial ownership of common stock. As of 01/05/2026, he directly owned 35,503 shares of Norwood Financial common stock. He also reported indirect ownership of additional common shares, including 7,247 shares held by his spouse, 724 shares held in his IRA, and 724 shares held in his spouse's IRA. The filing reflects holdings only and does not show any new purchase or sale transactions.

Insider Trade Summary

4 transactions reported

Mixed 4 txns

Insider Carroll Joseph W

Role Director

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

Holdings After Transaction: Common Stock — 35,503 shares (Direct); Common Stock — 7,247 shares (Indirect, By Spouse); Common Stock — 724 shares (Indirect, By IRA); Common Stock — 724 shares (Indirect, By Spouse's IRA)

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Accepted by SEC EDGAR 01/15/2026 - 12:54 PM Learn about SEC filing dates

FAQ

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

The filing reports director Joseph W. Carroll's initial beneficial ownership of Norwood Financial Corp common stock, including both direct and indirect holdings as of 01/05/2026.

How many Norwood Financial (NWFL) shares does Joseph W. Carroll own directly?

Joseph W. Carroll reported direct ownership of 35,503 shares of Norwood Financial Corp common stock.

What indirect Norwood Financial (NWFL) holdings are reported for Joseph W. Carroll?

He reported indirect ownership of 7,247 shares held by his spouse, 724 shares held in his IRA, and 724 shares held in his spouse's IRA.

What is Joseph W. Carroll’s relationship to Norwood Financial Corp (NWFL)?

Joseph W. Carroll is reported as a director of Norwood Financial Corp and is not listed as an officer or 10% owner in this filing.

Does this Norwood Financial (NWFL) Form 3 show any new stock transactions?

No. The Form 3 reflects holdings as of 01/05/2026 and does not list any new purchases or sales of Norwood Financial common stock.

How is ownership split between direct and indirect shares for NWFL?

Carroll holds 35,503 shares directly, with additional indirect holdings through his spouse, his IRA, and his spouse's IRA totaling separate reported blocks of 7,247, 724, and 724 shares.

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^*

Carroll Joseph W

(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	35,503	D
Common Stock	7,247	I	By Spouse
Common Stock	724	I	By IRA
Common Stock	724	I	By Spouse's IRA

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/ Joseph W. Carroll 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.