Company: NWFL
Filing Date: 2025-10-28
Form Type: 424B3
Source: 0001193125-25-252482
Chunk: 2

Company: NORWOOD FINANCIAL CORP
Filing Date: 2025-10-28
Form: 424B3
Chunk 2
---
 disapproved of the merger, the issuance of the Norwood common stock in connection with the merger or the other transactions described in this proxy statement/prospectus, or passed upon the adequacy or accuracy of the disclosure in this document. Any representation to the contrary is a criminal offense. The securities to be issued in the merger are not savings accounts, deposits or other obligations of any bank or savings association and are not insured by the Federal Deposit Insurance Corporation or any other governmental agency. This proxy statement/prospectus is dated October 28, 2025, and is first being mailed or otherwise delivered to shareholders of PB Bankshares on or about November 3, 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