Company: NWFL
Filing Date: 2025-10-08
Form Type: S-4/A
Source: 0001193125-25-234244
Chunk: 193

Company: NORWOOD FINANCIAL CORP
Filing Date: 2025-10-08
Form: S-4/A
Chunk 193
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 or superseded to the extent that a statement contained herein or in any other subsequently filed document which also is or is deemed to be incorporated herein by reference modifies or supersedes the statement in the document. Norwood incorporates by reference the specific documents listed below and any future filings that Norwood makes with the SEC under Section 13(a), 13(c), 14 or 15(d) of the Exchange Act between the date of this proxy statement/prospectus, provided that Norwood is not incorporating by reference any information furnished to, but not filed with, the SEC. Norwood SEC Filings (SEC File No. 000-28364)

You can obtain any of the Norwood documents incorporated by reference into this proxy statement/prospectus, and any exhibits specifically incorporated by reference as an exhibit in this document, at no cost, by requesting them in writing or by telephone from Norwood at the following email address and phone number: Norwood Investor Relations Email: ir@waynebank.com Telephone: (800) 598-5002 You should rely only on the information contained or incorporated by reference into this document. Norwood has supplied all information contained or incorporated by reference into this document relating to Norwood. Norwood has not authorized anyone to provide you with information that is different from what is contained in this document. This document is dated October, 2025. You should not assume that the information contained in 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 Fil