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Norwood Financial (NWFL) grants director equity retainer share award

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

Rhea-AI Filing Summary

Schmalzle Ronald R reported acquisition or exercise transactions in this Form 4 filing.

NORWOOD FINANCIAL CORP director Ronald R. Schmalzle reported an equity award of 43 shares of common stock on July 10, 2026, classified as a grant/award at $31.88 per share and issued as Director Retainer Shares under the 2024 Equity Incentive Plan. Following this award, he holds 8,878 shares directly. Additional indirect holdings are reported as 825 and 550 restricted shares and 27,768 shares held through an IRA. Footnotes state that director retainer awards vest in three equal installments beginning on December 15, 2025 and, for a separate award, on December 15, 2026, contingent on continued service.

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Insider Schmalzle Ronald R
Role Director
Type Security Shares Price Value
Grant/Award Common Stock 43 $31.88 $1K
holding Common Stock -- -- --
holding Common Stock -- -- --
holding Common Stock -- -- --
Holdings After Transaction: Common Stock — 8,878 shares (Direct); Common Stock — 27,768 shares (Indirect, IRA)
Footnotes (1)
  1. Director Retainer Shares issued under the 2024 Equity Incentive Plan. 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.
Director grant 43 shares Common stock grant to Ronald R. Schmalzle on 2026-07-10
Grant price $31.88 per share Price for the 43-share common stock award
Direct holdings after award 8,878 shares Total direct common stock held by Schmalzle after the grant
Indirect restricted stock holding 1 825 shares Indirect common stock reported as Restricted Stock
Indirect restricted stock holding 2 550 shares Additional indirect common stock reported as Restricted Stock
Indirect IRA holding 27,768 shares Indirect common stock held through an IRA
Director Retainer Shares financial
"Director Retainer Shares issued under the 2024 Equity Incentive Plan."
2024 Equity Incentive Plan financial
"Director Retainer Shares issued under the 2024 Equity Incentive Plan."
Restricted Stock financial
"nature_of_ownership": "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
"nature_of_ownership": "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.
Outside Director or Director Emeritus financial
"during such periods of continued service as an Employee, Outside Director or Director Emeritus"
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FAQ

What insider transaction did Norwood Financial (NWFL) report for Ronald R. Schmalzle?

Norwood Financial reported that director Ronald R. Schmalzle received a grant of 43 common shares on July 10, 2026. The award is classified as a grant/award acquisition, not an open-market trade, and is designated as Director Retainer Shares under the 2024 Equity Incentive Plan.

How many Norwood Financial (NWFL) shares were granted to Schmalzle and at what price?

Ronald R. Schmalzle was granted 43 shares of Norwood Financial common stock at $31.88 per share. This equity award is part of his director compensation and is recorded as a non-derivative acquisition rather than a purchase on the open market.

What are Ronald R. Schmalzle’s direct Norwood Financial (NWFL) holdings after this Form 4?

After the July 10, 2026 grant, Ronald R. Schmalzle directly holds 8,878 shares of Norwood Financial common stock. This figure reflects his direct ownership position following the 43-share director retainer award reported in the filing.

What indirect Norwood Financial (NWFL) holdings does Schmalzle report?

Schmalzle reports indirect holdings of 825 and 550 shares classified as restricted stock, plus 27,768 shares held through an IRA. These positions are reported as indirect ownership and reflect additional exposure to Norwood Financial beyond his direct shareholdings.

How do the director retainer shares in Norwood Financial’s 2024 Equity Incentive Plan vest?

Director retainer awards under the 2024 Equity Incentive Plan vest in three equal installments. Footnotes state one award vests beginning December 15, 2025 and another beginning December 15, 2026, with vesting tied to continued service in an eligible director or employee role.

Does this Norwood Financial (NWFL) Form 4 show any open-market buys or sells?

No open-market purchases or sales are reported. The only transaction classified with a code is a 43-share grant/award acquisition; the other entries are holdings with unknown transaction codes that simply state post-transaction share balances for indirect accounts.
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*
Schmalzle Ronald R

(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)
07/10/2026
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 Stock07/10/2026A43(1)A$31.888,878D
Common Stock27,768IIRA
Common Stock550(2)IRestricted Stock
Common Stock825(3)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 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.
3. 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/Ronald R. Schmalzle, by Mackenzie Jackson, Power of Attorney07/14/2026
** 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)