Company: NWFL
Filing Date: 2025-10-28
Form Type: 424B3
Source: 0001193125-25-252482
Chunk: 58

Company: NORWOOD FINANCIAL CORP
Filing Date: 2025-10-28
Form: 424B3
Chunk 58
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 the close of business on October 6, 2025 (the “record date”). As of the close of business on the PB Bankshares record date, a total of 2,640,397 shares of PB Bankshares common stock were outstanding. Each share of common stock has one vote. Ownership of Shares; Attending the Meeting You may own shares of PB Bankshares in one of the following ways:

| • |     | directly in your name as the shareholder of record; or |

| • |     | indirectly through a broker, bank or other holder of record in “street name”. |

If you are a registered shareholder (i.e., you hold your shares through our transfer agent, Continental Stock Transfer & Trust Co., and are the shareholder of record of those shares), you do not need to register to attend the special meeting and vote in person. If you hold shares of PB Bankshares common stock as the shareholder of record, you have the right to vote those shares in person or by proxy at the PB Bankshares special meeting. You may submit a proxy by signing, dating and completing the enclosed proxy card or by submitting your vote through the Internet. Information and applicable deadlines for submitting a proxy through the Internet are set forth in this proxy statement/prospectus and in the proxy card instructions. However, if you are not the record holder of your shares, you must obtain a written legal proxy from your bank, brokerage firm or other nominee authorizing you to vote those shares at the special meeting. If your shares are registered directly in your name, you are the holder of record of these shares and we are sending these proxy materials directly to you. As the holder of record, you have the right to give your proxy directly to us or to vote in person at the special meeting. If you hold your shares in street name, your broker, bank or other holder of record is sending these proxy materials to you. As the beneficial owner, you have the right to direct your broker, bank or other holder of record how to vote your shares by filling out a voting instruction form that accompanies your proxy materials. Your broker, bank or other holder of record may allow you to provide voting instructions by telephone or by the Internet. Please see the instruction form provided by your broker, bank or other holder of record that accompanies this proxy statement/prospectus. If you hold your shares in street name, you will need proof of ownership to be admitted to the special meeting. A recent brokerage statement or letter from a bank or broker are examples of proof of