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

Company: NORWOOD FINANCIAL CORP
Filing Date: 2025-10-08
Form: S-4/A
Chunk 4
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 PB Bankshares on or about November, 2025.

REFERENCE TO ADDITIONAL INFORMATION

This proxy statement/prospectus incorporates important business and financial information about PB Bankshares and Norwood from other documents
that are not included in, or delivered with, this proxy statement/prospectus. This information is available to you without charge upon your written or oral request. We have listed the documents containing this information in the section titled
“Incorporation of Certain Documents by Reference” beginning on page 142 of this proxy statement/prospectus. You can obtain copies of these documents incorporated by reference in this document through the Securities and Exchange
Commission’s website at http://www.sec.gov or by requesting them in writing or by telephone from PB Bankshares or Norwood at the following addresses:

For business and financial information about PB Bankshares, please contact:

PB Bankshares, Inc.,

185 East
Lincoln Highway,

Coatesville, Pennsylvania 19320,

Email: jamin@presencebank.com

(610) 384-8282

For business and financial information about Norwood, please contact:

Norwood Financial Corp

717 Main
Street

Honesdale, Pennsylvania 18431

Email: john.mccaffery@waynebankcom

Telephone: (570) 253-1455

If PB Bankshares shareholders would like to receive documents before PB Bankshares’ special meeting, they must request the documents no later than December 1, 2025. PB Bankshares shareholders will not be charged for any of these documents that they request.

For additional information regarding where you can find information about Norwood and PB Bankshares, please see the section titled “Where
You Can Find More Information” beginning on page 143 of this proxy statement/prospectus.

For information on submitting your
proxy, please refer to the instructions on the enclosed proxy card for the PB Bankshares special meeting.

ABOUT THIS DOCUMENT

This proxy statement/prospectus, which forms part of a registration statement on
Form S-4 filed by Norwood (File No. 333-290392) with the Securities and Exchange Commission (the “SEC”), constitutes a prospectus of Norwood
for purposes of the Securities Act of 1933, as amended (the “Securities Act”), with respect to the shares of Norwood common stock to be issued to PB Bankshares shareholders as stock consideration in exchange for their PB Bankshares
common stock. This proxy statement/prospectus also constitutes a proxy statement for PB Bankshares with