Company: NWFL
Filing Date: 2025-10-28
Form Type: 424B3
Source: 0001193125-25-252482
Chunk: 194

Company: NORWOOD FINANCIAL CORP
Filing Date: 2025-10-28
Form: 424B3
Chunk 194
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 this document is accurate as of any date other than that date. Neither the mailing of this document to PB Bankshares shareholders nor the issuance of Norwood common stock in the merger creates any implication to the contrary. 142

WHERE YOU CAN FIND MORE INFORMATION

Norwood and PB Bankshares file annual, quarterly and current reports, proxy statements, and other information with the SEC. These reports,
proxy statements, and other information that Norwood and PB Bankshares file electronically with the SEC are available at the web site maintained by the SEC at http://www.sec.gov.

Reports, proxy statements, and other information filed by Norwood with the SEC are also available at Norwood’s web site at wayne.bank
under the tab “Shareholder Services” followed by the “Investor Relations” page and then under the tab “Financials & Filings.” The reports, proxy statements, and other information filed by PB Bankshares
with the SEC are available at PB Bankshares’s web site at www.presencebank.com under the tab “About” and “Investor Relations” and then under the heading “SEC Filings.” The web addresses of the SEC, Norwood
and PB Bankshares are included as inactive textual references only. Except as specifically incorporated by reference into this proxy statement/prospectus, information on those web sites is not part of this proxy statement/prospectus.

Norwood has filed a registration statement on Form S-4 with the SEC under the Securities Act to
register the Norwood common stock to be issued to PB Bankshares stockholders in the merger. This proxy statement/prospectus is a part of that registration statement and constitutes a prospectus of Norwood in addition to constituting a proxy
statement for PB Bankshares stockholders. As allowed by SEC rules, this document does not contain all the information you can find in Norwood’s registration statement or the exhibits to the registration statement. Statements made in this
document as to the content of any contract, agreement or other document referenced are not necessarily complete. With respect to each of those contracts, agreements or other documents to be filed or incorporated by reference as an exhibit to the
registration statement, you should refer to the corresponding exhibit, when it is filed, for a more complete description of the matter involved and read all statements in this document in light of that exhibit.

143

INDEX TO CONSOLIDATED FINANCIAL STATEMENTS OF PB BANKSHARES, INC.

| For the Year Ended December 31, 2024:                                             |     |