Company: NWFL
Filing Date: 2025-03-18
Form Type: DEFA14A
Source: 0001193125-25-056233
Chunk: 0

Company: NORWOOD FINANCIAL CORP
Filing Date: 2025-03-18
Form: DEFA14A
Chunk 0
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UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D. C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box:

| ☐ | Preliminary Proxy Statement |

| ☐ | Confidential, for Use of the Commission Only (as permitted by Rule 
 14a-6(e)(2))                                                       |

| ☐ | Definitive Proxy Statement |

| ☒ | Definitive Additional Materials |

| ☐ | Soliciting Material Pursuant to §240.14a-12 |

NORWOOD FINANCIAL CORP (Name of Registrant as Specified in its Charter) (Name of Person(s) Filing Proxy Statement, if other than the Registrant) Payment of filing fee (Check the appropriate box):

| ☒ | No fee required |

| ☐ | Fee computed on table below per Exchange Act Rules 14a-6(i)(1) and 0-11. |

| ☐ | Fee paid previously with preliminary materials. |

ANNUAL REPORT 2024BUILDINGNORWOOD FINANCIAL CORP

ANNUAL REPORT 2024A letter to our S H A RE HOL D E RSWe are pleased to share with you the Company’s performance and achievements in this Annual Report. Together with our customers, employees, and community partners, we have navigated challenges, celebrated milestones, and continued to build on our 154-yearlegacy of trust and excellence. This year’s accomplishments have reaffirmed the importance of adaptability and forward-thinking as we embraced new opportunities to enhance the banking experience. As we reflect on the past year, we are proud to celebrate several significant milestones that underscore our commitment to growth, innovation, and community service. 2024 Financial Results: Building A Strong FutureThe Company posted a net loss of $160 thousand, or -$0.02 per diluted share, for the full-fiscal year ended December 31, 2024, compared to the net income of $16.8 million, or $2.07 per diluted share, for the prior fiscal year. This loss was primarily due to the one-time$20 million loss incurred on the sale of securities that took place during the fourth quarter. In December, we successfully completed a capital raise that enabled us to reposition our investment portfolio for improved yields in