Company: NWFL
Filing Date: 2025-10-22
Form Type: 425
Source: 0001193125-25-245892
Chunk: 6

Company: NORWOOD FINANCIAL CORP
Filing Date: 2025-10-22
Form: 425
Chunk 6
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 |     | $              |  8,782 |   |     | $ |  1,247 |     | $              | 26,956 |   |     | $ | 16,868 |   |     | $ |  10,088 |
| Net income                                    |     | $              |  8,334 |   |     | $ |  3,844 |   |     | $ |  4,490 |     | $              |  6,205 |   |     | $ |  2,129 |     | $              | 20,313 |   |     | $ | 12,491 |   |     | $ |   7,822 |
| Diluted earnings per share                    |     | $              |   0.89 |   |     | $ |   0.48 |   |     | $ |   0.41 |     | $              |   0.67 |   |     | $ |   0.22 |     | $              |   2.22 |   |     | $ |   1.55 |   |     | $ |    0.67 |
| Return on average assets                      |     |                |   1.40 | % |     |   |   0.68 | % |     |   | 72 bps |     |                |   1.06 | % |     |   | 34 bps |     |                |   1.16 | % |     |   |   0.75 | % |     |   |  41 bps |
| Return on average tangible equity             |     |                |  16.76 | % |     |   |   9.58 | % |     |   | 718bps |     |                |  12.83 | % |     |   | 393bps |     |                |  14.04 | % |     |   |  10.82 | % |     |   | 322 bps |

| 1 | - Non GAAP ratio. See Non-GAAP Reconciliation |

Excluding merger charges (see Non-GAAPreconciliations)

| (dollars in thousands, except per share data) | 3 Months Ended 
 Sep-25         | Year-Over Year |        |   | Sep-24 |   |