Initial Statement of Beneficial Ownership (Form 3)

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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(Print or Type Responses)

1. Name and Address of Reporting Person * French Ryan J. 2. Date of Event Requiring Statement (Month/Day/Year) 10/01/2026 3. Issuer Name and Ticker or Trading Symbol NORWOOD FINANCIAL CORP [NWFL] (Last) (First) (Middle) 717 MAIN STREET 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 Original Filed (Month/Day/Year) (Street) HONESDALE, PA 18431 6. Individual or Joint/Group Filing (Check Applicable Line) _X_ Form filed by One Reporting Person ___ Form filed by More than One Reporting Person (City) (State) (Zip) 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

Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.			SEC 1473 (7-02)
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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 of Derivative Security: 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

Reporting Owners

Reporting Owner Name / Address	Relationships
	Director	10% Owner	Officer	Other
French Ryan J. 717 MAIN STREET HONESDALE, PA 18431			EVP & CHRO

Signatures

/s/ Ryan J. French, By Mackenzie Jackson, Power of Attorney		10/01/2026
**Signature of Reporting Person		Date

Explanation of Responses:

*	If the form is filed by more than one reporting person, see Instruction 5(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).
(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.

Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, See Instruction 6 for procedure. Potential persons who are to respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB number.