Results of Operations and Financial Condition On October 27, 2026, Norwood Financial Corp (the “Company”), the holding company for Wayne Bank, issued a press release in which it announced its earnings for the quarter ended September 30, 2026. A copy of the press release announcing the results is included as Exhibit 99.1 to this Current Report on Form 8-K and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, nor shall it be deemed incorporated by re…

Other Events On September 16, 2026, Norwood Financial Corp announced that its Board of Directors had declared a quarterly cash dividend of $0.32 per share payable on November 2, 2026, to stockholders of record as of October 15, 2026. A copy of the press release dated September 16, 2026, announcing the dividend is included as Exhibit 99.1 to this report and is incorporated herein by reference. Section 9 – Financial Statements and Exhibits

Other Events On August 28, 2026, Norwood Financial Corp (the “Company”) announced that it had authorized a stock repurchase program for up to 550,000 shares of the Company’s outstanding shares of common stock. This amount represents approximately 5.0% of the Company’s outstanding shares of common stock. A copy of the press release announcing the stock repurchase program is included as exhibit 99.1 to this report and is incorporated herein by reference.

Results of Operations and Financial Condition On July 22, 2026, Norwood Financial Corp (the “Company”), the holding company for Wayne Bank, issued a press release in which it announced its earnings for the quarter ended June 30, 2026. A copy of the press release announcing the results is included as Exhibit 99.1 to this Current Report on Form 8-K and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, nor shall it be deemed incorporated by reference…

Other Events. On June 18, 2026, Norwood Financial Corp announced that its Board of Directors had declared a quarterly cash dividend of $0.32 per share payable on August 3, 2026, to stockholders of record as of July 15, 2026. A copy of the press release dated June 18, 2026, announcing the dividend is included as Exhibit 99.1 to this report and is incorporated herein by reference. Section 9 – Financial Statements and Exhibits

is being furnished and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934 (the “Exchange Act”), or otherwise subject to the liability of such section, nor shall it be deemed incorporated by reference in any filing of the Company under the Securities Act of 1933 or the Exchange Act, unless expressly incorporated by specific reference in such filing. Forward-Looking Statements In addition to historical information, this current report on Form 8-K…

Results of Operations and Financial Condition On April 27, 2026, Norwood Financial Corp (the “Company”), the holding company for Wayne Bank, issued a press release in which it announced its earnings for the quarter ended March 31, 2026. A copy of the press release announcing the results is included as Exhibit 99.1 to this Current Report on Form 8-K and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, nor shall it be deemed incorporated by referenc…

Results of Operations and Financial Condition. On January 22, 2026, Norwood Financial Corp (the “Company”) issued a press release announcing its earnings for the three and twelve months ended December 31, 2025. A copy of the press release is furnished with this report as exhibit 99.1 hereto and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 193…

Results of Operations and Financial Condition. On January 12, 2026, Norwood Financial Corp issued a press release announcing that it will release its fourth quarter 2025 financial results on January 22, 2026, and will host a webcast and conference call that same day to discuss the financial results. A copy of the press release is furnished with this report as exhibit 99.1 hereto and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, nor…

Completion of Acquisition or Disposition of Assets. On January 5, 2026, Norwood Financial Corp (the “Company”) completed its acquisition of PB Bankshares, Inc. (“PB Bankshares”) pursuant to the terms of the Agreement and Plan of Merger, dated July 7, 2025, by and among the Company, Wayne Bank, PB Bankshares and Presence Bank (the “Merger Agreement”). As of September 30, 2025, PB Bankshares had total assets of $456.4 million, deposits of $355.0 million and shareholders’ equity of $51.3 million…

Other Events. On January 5, 2026, the Company issued a press release announcing the completion of the acquisition of PB Bankshares and the results of elections made by the shareholders of PB Bankshares as to the form of consideration to be received in the merger. A copy of the press release is filed herewith as Exhibit 99.1, and is incorporated in its entirety by reference herein.

Executive Vice President and Chief Operating Officer — Janak M. Amin: Mr. Janak M. Amin was appointed as Executive Vice President and Chief Operating Officer of Norwood and Wayne Bank, effective January 5, 2026.

Other Events. On December 17, 2025, Norwood Financial Corp announced that its Board of Directors had declared a quarterly cash dividend of $0.32 per share payable on February 2, 2026, to stockholders of record as of January 15, 2026. A copy of the press release dated December 17, 2025, announcing the dividend is included as Exhibit 99.1 to this report and is incorporated herein by reference. Section 9 – Financial Statements and Exhibits

Other Events. On December 12, 2025, Norwood Financial Corp (“Norwood”) announced that it had received final regulatory approvals for its proposed acquisition of PB Bankshares, Inc. (“PB Bankshares”) and its wholly owned subsidiary, Presence Bank. Subject to the satisfaction of customary closing conditions and the expiration of any applicable waiting periods, Norwood anticipates closing the acquisition on or about January 5, 2026. A copy of the press release is filed herewith as Exhibit 99.1,…

is being furnished to, and not filed with, the Securities and Exchange Commission (“SEC”) and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended. By filing this Current Report on Form 8-K and furnishing the information contained herein, the Company makes…

Results of Operations and Financial Condition. On October 22, 2025, Norwood Financial Corp (the “Company”) issued a press release announcing its earnings for the three and nine months ended September 30, 2025. A copy of the press release is furnished with this report as exhibit 99.1 hereto and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933…

Results of Operations and Financial Condition. On October 10, 2025, Norwood Financial Corp issued a press release announcing that it will release its third quarter 2025 financial results on October 22, 2025 and will host a webcast and conference call that same day to discuss the financial results. A copy of the press release is furnished with this report as exhibit 99.1 hereto and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, nor sh…

Other Events. On September 17, 2025, Norwood Financial Corp announced that its Board of Directors had declared a quarterly cash dividend of $0.31 per share, payable on November 3, 2025, to stockholders of record as of October 15, 2025. A copy of the press release dated September 17, 2025, announcing the dividend is included as Exhibit 99.2 to this report and is incorporated herein by reference. Section 9 – Financial Statements and Exhibits

Chairman of the Board — Lewis J. Critelli: Mr. Lewis J. Critelli retired as Chairman of the Board and was succeeded by Dr. Andrew A. Forte.

Results of Operations and Financial Condition. On July 22, 2025, Norwood Financial Corp (the “Company”) issued a press release announcing its earnings for the three and six months ended June 30, 2025. A copy of the press release is furnished with this report as exhibit 99.1 hereto and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amen…

Entry into a Definitive Material Agreement. On July 7, 2025, Norwood Financial Corp (“Norwood Financial”) and its wholly owned subsidiary, Wayne Bank, and PB Bankshares, Inc. (“PB Bankshares”), and its wholly owned subsidiary, Presence Bank, entered into an Agreement and Plan of Merger (the “Merger Agreement”), pursuant to which PB Bankshares will merge with and into Norwood Financial, with Norwood Financial as the surviving corporation (the “Merger”). Concurrent with the merger, it is expect…

Other Events. On July 7, 2025, Norwood Financial and PB Bankshares issued a joint press release announcing the signing of the Merger Agreement. A copy of the press release is filed as Exhibit 99.2 hereto and incorporated by reference herein. Forward-Looking Statements This Current Report on Form 8-K contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements include, but are not limited to, statements about (…

Other Events. On June 18, 2025, Norwood Financial Corp announced that its Board of Directors had declared a quarterly cash dividend of $0.31 per share payable on August 1, 2025, to stockholders of record as of July 15, 2025. A copy of the press release dated June 18, 2025, announcing the dividend is included as Exhibit 99.1 to this report and is incorporated herein by reference. Section 9 – Financial Statements and Exhibits

Results of Operations and Financial Condition. On April 17, 2025, Norwood Financial Corp (the “Company”) issued a press release announcing its earnings for the quarter ended March 31, 2025. A copy of the press release is furnished with this report as exhibit 99.1 hereto and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended.

Other Events. On March 31, 2025, the Company issued a press release announcing that its Board of Directors had declared a quarterly cash dividend of $0.31 per share payable on May 1, 2025, to stockholders of record as of April 15, 2025. A copy of the press release is attached hereto as Exhibit 99.1 and is incorporated herein by reference. The information in this Item 8.01, including Exhibit 99.1, is being furnished and shall not be deemed “filed” for purposes of Section 18 of the Securities E…