STOCK TITAN

Norwood Financial (NWFL) director adds to stake with stock purchases and awards

Filing Impact
(Neutral)
Filing Sentiment
(Neutral)
Form Type
4

Rhea-AI Filing Summary

NORWOOD FINANCIAL CORP director Andrew Forte increased his stake through a mix of open-market buying and equity awards. On May 12, 2026, he purchased 270 shares of common stock in an IRA at $29.58 per share in an open-market transaction. On May 11, 2026, he also acquired 55 "Director Retainer Shares" under the 2024 Equity Incentive Plan at a grant value of $30.20 per share. Following these moves, Forte directly holds 12,172 common shares, with 7,624 additional shares held indirectly in an IRA and further indirect holdings in restricted stock and Forte, Inc., with those awards vesting over several years subject to continued service.

Positive

  • None.

Negative

  • None.
Insider FORTE ANDREW
Role null
Bought 270 shs ($8K)
Type Security Shares Price Value
Purchase Common Stock 270 $29.58 $8K
Grant/Award Common Stock 55 $30.20 $2K
holding Common Stock -- -- --
holding Common Stock -- -- --
holding Common Stock -- -- --
holding Common Stock -- -- --
holding Common Stock -- -- --
holding Common Stock -- -- --
holding Common Stock -- -- --
Holdings After Transaction: Common Stock — 7,624 shares (Indirect, IRA); Common Stock — 12,172 shares (Direct, null)
Footnotes (1)
  1. Director Retainer Shares issued under the 2024 Equity Incentive Plan. Award vests in five equal installments beginning on December 14, 2022 and annually thereafter during such periods of continued service as an Employee, Outside Director or Director Emeritus, as applicable. Award vests in five equal installments beginning on December 13, 2023 and annually thereafter during such periods of continued service as an Employee, Outside Director or Director Emeritus, as applicable. Award vests in five equal installments beginning on December 12, 2024 and annually thereafter during such periods of continued service as an Employee, Outside Director or Director Emeritus, as applicable. Award vests in three equal installments beginning December 15, 2025 and annually thereafter during such periods of continued service as an Employee, Outside Director or Director Emeritus, as applicable. Award vests in three equal installments beginning on December 15, 2026 and annually thereafter during such periods of continued service as an Employee, Outside Director or Director Emeritus, as applicable.
Open-market purchase 270 shares at $29.58 Common Stock bought on May 12, 2026 in IRA
Director retainer award 55 shares at $30.20 Director Retainer Shares granted May 11, 2026
Direct holdings after award 12,172 shares Common Stock directly owned after May 11, 2026 award
IRA holdings after purchase 7,624 shares Common Stock held indirectly in IRA after May 12, 2026
Net buy-sell shares 270 shares net-buy Net effect of reported buy/sell activity in this Form 4
open-market purchase financial
"transaction_action: "open-market purchase" for 270 Common Stock shares"
An open-market purchase is when an investor or a company buys shares on a public stock exchange at the going market price, rather than through a private deal. It matters to investors because these purchases change how many shares are available, can push the stock price up or signal confidence from large buyers, and often affect per-share metrics like earnings—think of it like someone buying lots of apples off a grocery shelf, reducing supply and potentially raising the price.
Director Retainer Shares financial
"Director Retainer Shares issued under the 2024 Equity Incentive Plan."
Restricted Stock financial
"nature_of_ownership: "Restricted Stock" for several indirect holdings entries"
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.
2024 Equity Incentive Plan financial
"Director Retainer Shares issued under the 2024 Equity Incentive Plan."
IRA financial
"nature_of_ownership: "IRA" for the 270-share open-market purchase"
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.
SEC Form 4
FORM 4UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

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:3235-0287
Estimated average burden
hours per response:0.5
Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).
Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.
1. Name and Address of Reporting Person*
FORTE ANDREW

(Last)(First)(Middle)
717 MAIN STREET

(Street)
HONESDALE PENNSYLVANIA 18431

(City)(State)(Zip)

UNITED STATES

(Country)
2. Issuer Name and Ticker or Trading Symbol
NORWOOD FINANCIAL CORP [ NWFL ]
5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
XDirector10% Owner
Officer (give title below)Other (specify below)
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
05/11/2026
6. Individual or Joint/Group Filing (Check Applicable Line)
XForm filed by One Reporting Person
Form filed by More than One Reporting Person
4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3) 2. Transaction Date (Month/Day/Year)2A. Deemed Execution Date, if any (Month/Day/Year)3. Transaction Code (Instr. 8) 4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5) 5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4) 6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 7. Nature of Indirect Beneficial Ownership (Instr. 4)
CodeVAmount(A) or (D)Price
Common Stock05/11/2026A55(1)A$30.212,172D
Common Stock05/12/2026P270A$29.587,624IIRA
Common Stock7,944IForte, Inc.
Common Stock40(2)IRestricted Stock
Common Stock280(3)IRestricted Stock
Common Stock420(4)IRestricted Stock
Common Stock550(5)IRestricted Stock
Common Stock82(5)IRestricted Stock
Common Stock825(6)IRestricted Stock
Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3) 2. Conversion or Exercise Price of Derivative Security 3. Transaction Date (Month/Day/Year)3A. Deemed Execution Date, if any (Month/Day/Year)4. Transaction Code (Instr. 8) 5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5) 6. Date Exercisable and Expiration Date (Month/Day/Year)7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4) 8. Price of Derivative Security (Instr. 5) 9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4) 10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 11. Nature of Indirect Beneficial Ownership (Instr. 4)
CodeV(A)(D)Date ExercisableExpiration DateTitleAmount or Number of Shares
Explanation of Responses:
1. Director Retainer Shares issued under the 2024 Equity Incentive Plan.
2. Award vests in five equal installments beginning on December 14, 2022 and annually thereafter during such periods of continued service as an Employee, Outside Director or Director Emeritus, as applicable.
3. Award vests in five equal installments beginning on December 13, 2023 and annually thereafter during such periods of continued service as an Employee, Outside Director or Director Emeritus, as applicable.
4. Award vests in five equal installments beginning on December 12, 2024 and annually thereafter during such periods of continued service as an Employee, Outside Director or Director Emeritus, as applicable.
5. Award vests in three equal installments beginning December 15, 2025 and annually thereafter during such periods of continued service as an Employee, Outside Director or Director Emeritus, as applicable.
6. Award vests in three equal installments beginning on December 15, 2026 and annually thereafter during such periods of continued service as an Employee, Outside Director or Director Emeritus, as applicable.
/s/Andrew Forte by Mackenzie Jackson, Power of Attorney05/13/2026
** Signature of Reporting PersonDate
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 4 (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 4: SEC 1474 (03-26)

FAQ

What insider transactions did Andrew Forte report for NORWOOD FINANCIAL CORP (NWFL)?

Andrew Forte reported one open-market purchase and one equity award. He bought 270 NWFL common shares on May 12, 2026, and received 55 Director Retainer Shares on May 11, 2026, as part of the company’s 2024 Equity Incentive Plan.

How many NORWOOD FINANCIAL CORP (NWFL) shares did Andrew Forte buy and at what price?

Andrew Forte bought 270 NWFL common shares in an open-market transaction at $29.58 per share. The purchase was made through an IRA account and is categorized as a non-derivative transaction in the Form 4 filing.

What equity award did Andrew Forte receive from NORWOOD FINANCIAL CORP (NWFL)?

Andrew Forte received 55 Director Retainer Shares valued at $30.20 per share on May 11, 2026. The award was granted under the 2024 Equity Incentive Plan and is structured to vest in installments over multiple years, contingent on continued service.

What are Andrew Forte’s NORWOOD FINANCIAL CORP (NWFL) share holdings after these transactions?

After these transactions, Andrew Forte directly holds 12,172 NWFL common shares. He also has 7,624 shares held indirectly in an IRA, plus additional indirect restricted stock and shares held through Forte, Inc., as reflected in the Form 4 holdings entries.

How are Andrew Forte’s restricted stock awards in NWFL scheduled to vest?

Forte’s restricted stock awards vest in equal installments starting on December 14, 2022, December 13, 2023, December 12, 2024, December 15, 2025, and December 15, 2026. Vesting each year depends on his continued service as an employee or director.