Company: NWFL
Filing Date: 2025-07-07
Form Type: 425
Source: 0001193125-25-156258
Chunk: 6

Company: NORWOOD FINANCIAL CORP
Filing Date: 2025-07-07
Form: 425
Chunk 6
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 Financial common stock, is set forth in its proxy
statement previously filed with the SEC on March 18, 2025. Additional information regarding the interests of such potential participants will be included in the proxy statement/prospectus and other relevant documents filed with the SEC when
they become available. You may obtain free copies of these documents from Norwood Financial or PB Bankshares using the sources indicated above.

No Offer or Solicitation

This communication is not intended to and shall not constitute an offer to sell or the solicitation of an offer
to sell or the solicitation of an offer to buy any securities or a solicitation of any vote of approval, nor shall there be any sale of securities in any jurisdiction in which such offer, solicitation or sale would be unlawful prior to registration
or qualification under the securities laws of any such jurisdiction. No offer of securities shall be made except by means of a prospectus meeting the requirements of Section 10 of the Securities Act of 1933, as amended.

| Item 9.01 | Financial Statements and Exhibits. |

(d) Exhibits:

| Exhibit 
 Number  
 2.1*    
 99.1    |     | Description                                                                                                                              
 Agreement and Plan of Merger, dated July 7, 2025 by and among Norwood Financial Corp, Wayne Bank, PB Bankshares, Inc. and Presence Bank. 
 Norwood Financial Corp Investor Presentation, dated July 7, 2025.                                                                        |
|:--------|:----|:-----------------------------------------------------------------------------------------------------------------------------------------|
| 99.2    |     | Joint Press Release, dated July 7, 2025.                                                                                                 |
| 104     |     | Cover Page Interactive Data File (embedded within the Inline XBRL document).                                                             |

| * | Schedules and certain exhibits omitted pursuant to Item 601(b)(2) of Regulation S-K. Norwood Financial agrees 
 to furnish supplementally a copy of any omitted schedule or exhibit to the SEC upon request.                  |

SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

| Date: July 7, 2025 |     | NORWOOD FINANCIAL CORP 
 By:                    |     | /s/ James O. Donnelly                              |
|:-------------------|:----|:-----------------------|:----|:---------------------------------------------------|
|                    |     |