Company: NWFL
Filing Date: 2025-09-19
Form Type: S-4
Source: 0001193125-25-208580
Chunk: 58

Company: NORWOOD FINANCIAL CORP
Filing Date: 2025-09-19
Form: S-4
Chunk 58
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 of Norwood common stock in the merger. You should obtain current stock price quotations for Norwood’s and PB Bankshares’s shares prior to voting on the merger. Following completion of the merger, current Norwood shareholders will own in the aggregate approximately% of the outstanding shares of Norwood common stock and PB Bankshares’ shareholders will own approximately% of the outstanding shares of Norwood common stock. 34

THE SPECIAL MEETING OF PB BANKSHARES SHAREHOLDERS PB Bankshares will hold a special meeting of its shareholders on, 2025, at 10:00 a.m., local time, at PB Bankshares’ Administrative Office, located at 1570 Fruitville Pike, Suite 201, Lancaster, Pennsylvania. PB Bankshares is first mailing this proxy statement/prospectus to you as a PB Bankshares shareholder on or about, 2025. With this proxy statement/prospectus, PB Bankshares is sending you a notice of the PB Bankshares special meeting of shareholders and a form of proxy that is solicited by the PB Bankshares board of directors. Matters to be Considered The purpose of the PB Bankshares special meeting of shareholders is to vote (i) on the adoption of the merger agreement, pursuant to which PB Bankshares will be merged with and into Norwood; and (ii) on a proposal to adjourn, postpone or continue the PB Bankshares special meeting of shareholders, if necessary, to permit further solicitation of proxies in favor of adopting the merger agreement. PB Bankshares could use any adjournment or postponement for the purpose, among others, of allowing additional time to solicit proxies. Who Can Vote at the Meeting You are entitled to vote the shares of PB Bankshares common stock that you owned as of the close of business on, 2025 (the “record date”). As of the close of business on the PB Bankshares record date, a total ofshares of PB Bankshares common stock were outstanding. Each share of common stock has one vote. Ownership of Shares; Attending the Meeting You may own shares of PB Bankshares in one of the following ways:

| • |     | directly in your name as the shareholder of record; or |

| • |     | indirectly through a broker, bank or other holder of record in “street name”. |

If you are a registered shareholder (i.e., you hold your shares through our transfer agent, Continental Stock Transfer & Trust Co., and are the shareholder of record of those shares), you do not need to register to