FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934 or Section 30(h) of the Investment Company Act of 1940

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1. Name and Address of Reporting Person * French Ryan J. (Last) (First) (Middle) 717 MAIN STREET (Street) HONESDALE PA 18431 (City) (State) (Zip)	2. Date of Event Requiring Statement (Month/Day/Year) 10/01/2026	3. Issuer Name and Ticker or Trading Symbol NORWOOD FINANCIAL CORP [ NWFL ]
		4. Relationship of Reporting Person(s) to Issuer (Check all applicable) Director 10% Owner X Officer (give title below) Other (specify below) EVP & CHRO	5. If Amendment, Date of Original Filed (Month/Day/Year)
			6. Individual or Joint/Group Filing (Check Applicable Line) X Form filed by One Reporting Person Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Beneficially Owned
1. Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)
Common Stock	150	D
Common Stock	2,042	I	IRA
Common Stock	300	I	Restricted Stock
Common Stock	1,200 (1)	I	Restricted Stock
Common Stock	1,500 (2)	I	Restricted Stock

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Stock Options	12/12/2018	12/12/2027	Common Stock	1,500	32.81	D
Stock Options	12/11/2019	12/11/2028	Common Stock	2,000	32.34	D
Stock Options	12/10/2020	12/10/2029	Common Stock	1,500	36.02	D
Stock Options	12/08/2021	12/08/2030	Common Stock	2,500	26.93	D
Stock Options	12/13/2023	12/13/2032	Common Stock	2,500	33.53	D
Stock Options	12/12/2024	12/12/2033	Common Stock	2,500	29.66	D

Explanation of Responses:

1. Award vests in five equal installments beginning on December 24, 2025 and annually thereafter during such periods of continued service as an Employee, Outside Director or Director Emeritus, as applicable.

2. Award vests in five equal installments beginning on December 16, 2026 and annually thereafter during such periods of continued service as an Employee, Outside Director or Director Emeritus, as applicable.

	/s/ Ryan J. French, By Mackenzie Jackson, Power of Attorney	10/01/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
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