Company: NWFL
Filing Date: 2025-10-08
Form Type: S-4/A
Source: 0001193125-25-234244
Chunk: 5

Company: NORWOOD FINANCIAL CORP
Filing Date: 2025-10-08
Form: S-4/A
Chunk 5
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 respect to the PB Bankshares special meeting.

You should rely only on the information contained in or incorporated by reference into this proxy statement/prospectus. No one has been
authorized to provide you with information that is different from that contained in, or incorporated by reference into, this statement/prospectus. This proxy statement/prospectus is dated October , 2025. You should not assume that the
information contained in, or incorporated by reference into, this proxy statement/prospectus is accurate as of any date other than that date or the date of such incorporated information. Neither PB Bankshares’ mailing of this proxy
statement/prospectus to PB Bankshares shareholders nor the issuance by Norwood of shares of its common stock to PB Bankshares shareholders pursuant to the merger agreement will create any implication to the contrary.

This proxy statement/prospectus does not constitute an offer to sell, or a solicitation of an offer to buy, any securities, or the solicitation of a proxy, in any jurisdiction in which or from any person to whom it is unlawful to make any such offer or solicitation in such jurisdiction. Information contained in this proxy statement/prospectus regarding Norwood and its subsidiaries has been provided by Norwood, and information contained in this proxy statement/prospectus regarding PB Bankshares and its subsidiaries has been provided by PB Bankshares.

PB Bankshares, Inc. 185 E. Lincoln Highway Coatesville, Pennsylvania 19320 (610) 384-8282 NOTICE OF SPECIAL MEETING OF STOCKHOLDERS To Be Held On December 10, 2025 Notice is hereby given that a Special Meeting of Stockholders of PB Bankshares, Inc., or PB Bankshares, will be held at PB Bankshares’ Administrative Office, located at 1570 Fruitville Pike, Suite 201, Lancaster, Pennsylvania on December 10, 2025 at 10:00 a.m., local time. for the following purposes:

| 2. | Adjournment Proposal. To consider and vote upon a proposal to approve one or more adjournments of the special                                                                                                                                   
 meeting, if necessary, to permit further solicitation of proxies if there are not sufficient votes at the time of the special meeting, or at any adjournment or postponement of that meeting, to approve the merger agreement (the “adjournment 
 proposal”).                                                                                                                                                                                                                                     |

These items are described in more detail in the accompanying proxy statement/prospectus and its annexes. You should read these documents in their entirety