Company: NWFL
Filing Date: 2025-10-22
Form Type: 425
Source: 0001193125-25-245892
Chunk: 7

Company: NORWOOD FINANCIAL CORP
Filing Date: 2025-10-22
Form: 425
Chunk 7
---
 compared to $1.855 billion at 
 September 30, 2024, an increase of 11.8%.                                               |

| • |     | Tangible Book Value per share increased $2.34 from $19.85 at December 31, 2024, to $22.19 at 
 September 30, 2025.                                                                          |

Norwood Financial Corp is the parent company of Wayne Bank, which operates from fifteen offices throughout
Northeastern Pennsylvania and fourteen offices in Delaware, Sullivan, Ontario, Otsego and Yates Counties, New York. The Company’s stock trades on the Nasdaq Global Market under the symbol “NWFL”.

Forward-Looking Statements

The Private Securities Litigation
Reform Act of 1995 contains safe harbor provisions regarding forward-looking statements. When used in this discussion, the words “believes”, “anticipates”, “contemplates”, “expects”,
“bode”, “future performance”, “solid footing,” “good momentum,” “bright future”, “robust growth” and similar expressions are intended to identify forward-looking statements.
Such statements are subject to certain risks and uncertainties, which could cause actual results to differ materially from those projected. Those risks and uncertainties include, among other things, changes in federal and state laws, changes in
interest rates, our ability to maintain strong credit quality metrics, our ability to have future performance, our ability to control core operating expenses and costs, demand for real estate, government fiscal and trade policies, cybersecurity and
general economic conditions. The Company undertakes no obligation to publicly release the results of any revisions to those forward-looking statements which may be made to reflect events or circumstances after the date hereof or to reflect the
occurrence of unanticipated events.

Contact: John M. McCaffery

Executive Vice President &

Chief Financial Officer

NORWOOD
FINANCIAL CORP

272-304-3003

NORWOOD FINANCIAL CORP Consolidated Balance Sheets (dollars in thousands, except share and per share data) (unaudited)

| ASSETS                                                                                         |     | September 30 
 2025         |            |   |     | 2024 |            |   |
|:-----------------------------------------------------------------------------------------------|:----|:-------------|-----------:|:--|:----|:-----|-----------:|:--|
| Cash and due from banks                                                                        |     | $            |     50,348 |   |     | $    |