Norwood Financial (NWFL) director Carroll purchases 2,000 company shares

Rhea-AI Filing Summary

Norwood Financial Corp director Joseph W. Carroll reported buying additional company stock. On January 27, 2026, he acquired 2,000 shares of Norwood Financial common stock at a price of $27.91 per share. After this purchase, he directly owns 37,503 common shares.

He also reports indirect holdings of Norwood Financial common stock, including 7,247 shares held by his spouse, 724 shares held by an IRA, and 724 shares held by a spouse IRA. These positions show his combined direct and indirect exposure to the company’s stock.

Insider Trade Summary

Net Buyer: 2,000 shares ($55,820)

Net Buy 4 txns

Insider Carroll Joseph W

Role Director

Bought 2,000 shs ($56K)

Type	Security	Shares	Price	Value
Purchase	Common Stock	2,000	$27.91	$56K
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 37,503 shares (Direct); Common Stock — 7,247 shares (Indirect, By Spouse)

Footnotes (1)

Form 4 Insider Transactions: What Each Field Means →

SEC Form 4

FORM 4

UNITED 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^*

Carroll Joseph W

(Last) (First) (Middle)

717 MAIN STREET

(Street)

HONESDALE PA 18431

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
NORWOOD FINANCIAL CORP [ NWFL ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
01/26/2026

4. 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 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)
			Code	V	Amount	(A) or (D)	Price
Common Stock	01/27/2026		P		2,000	A	$27.91	37,503	D
Common Stock								7,247	I	By Spouse
Common Stock								724	I	By IRA
Common Stock								724	I	By Sposue IRA

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)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

	/s/ Joseph W. Carroll By: John M. McCaffery, Attorney-in-Fact	01/28/2026
	** 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 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.

FAQ

What insider transaction did NWFL director Joseph W. Carroll report?

Norwood Financial Corp director Joseph W. Carroll reported buying 2,000 shares of common stock. The purchase occurred on January 27, 2026, at a price of $27.91 per share, increasing his directly held stake in NWFL to 37,503 shares after the transaction.

At what price did Joseph W. Carroll buy Norwood Financial (NWFL) shares?

Joseph W. Carroll bought Norwood Financial common stock at $27.91 per share. The Form 4 lists a single purchase transaction for 2,000 shares on January 27, 2026, at this price, which raised his directly owned holdings to 37,503 NWFL shares afterward.

How many Norwood Financial (NWFL) shares does Joseph W. Carroll own after the trade?

After the reported transaction, Joseph W. Carroll directly owns 37,503 shares of Norwood Financial common stock. The filing also shows indirect ownership of 7,247 shares by his spouse, 724 shares by an IRA, and 724 shares by a spouse IRA, in addition to his direct holdings.

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

The Form 4 shows several indirect holdings for Joseph W. Carroll. These include 7,247 NWFL common shares held by his spouse, 724 shares held by an IRA, and 724 shares held by a spouse IRA, reported separately from his directly owned 37,503 shares.

What is Joseph W. Carroll’s role at Norwood Financial Corp (NWFL)?

Joseph W. Carroll is identified as a director of Norwood Financial Corp in the Form 4. The filing indicates he is not listed as an officer or 10% owner, and the reported transaction reflects his activity as a board-level insider at the company.

What transaction date is shown on the NWFL Form 4 for Joseph W. Carroll?

The Form 4 lists January 27, 2026 as the transaction date for Joseph W. Carroll’s stock purchase. The earliest transaction date on the cover is January 26, 2026, but the actual share acquisition of 2,000 Norwood Financial common shares occurred on January 27, 2026.