Company: NWFL
Filing Date: 2025-09-19
Form Type: S-4
Source: 0001193125-25-208580
Chunk: 140

Company: NORWOOD FINANCIAL CORP
Filing Date: 2025-09-19
Form: S-4
Chunk 140
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     |        | 0.88 | %    |     |        | 11.8 | %    |     | $     | 270 |     |         | 1.32x |      |     | 10.7x    |     |     | 11.4x |    |     |     | 10.1x |     | 9.7x  |
|    |     | 25th Percentile               |     |        |     | $      | 2,257 |     |          |  95.6 | % |     |       |  7.4 | % |     |           | 16 | % |     |      | 0.74 | % |     |        | 0.78 | %    |     |        |  9.8 | %    |     | $     | 211 |     |         | 1.07x |      |     | 10.0x    |     |     | 10.7x |    |     |     | 9.5x  |     | 8.7x  |
|    |     | Norwood Financial Corp.       |     | NWFL   |     | $      | 2,376 |     |          |  88.4 | % |     |       |  8.2 | % |     |           | 20 | % |     |      | 0.33 | % |     |        | 1.05 | %(2) |     |        | 12.9 | %(2) |     | $     | 245 |     |         | 1.29x |      |     | 10.1x(2) |     |     | 11.8x | -2 |     |     | 10.1x |     | 9.5x  |

Source: S&P Global Market Intelligence, FactSet. Note: Market data as of 7/3/2025. Financial data as of the most recent quarter reported. Bank-level data used where consolidated BHC data not available. Core defined by S&P Global Market Intelligence. Any Price / Earnings ratio greater than 30.0x is “Not Material.”; any Price / Tangible Book Ratio less than 0.50x is “Not Material”.

| (1) | NPAs/Assets excludes restructured loans from nonperforming