Norwood Financial Corp (NWFL)
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Fiscal Year End Date: 12/31
(Values in U.S. thousands)
| 12-2025 | 12-2024 | 12-2023 | 12-2022 | 12-2021 | |
| Cash Flows From Operating Activities | |||||
| Net Income | 27,755 | -160 | 16,759 | 29,233 | 24,915 |
| Depreciation Amortization | 1,602 | 2,620 | 2,903 | 2,657 | -364 |
| Income taxes - deferred | -94 | -125 | 583 | 419 | -383 |
| Other Working Capital | -1,261 | 1,762 | 6,651 | 422 | -55 |
| Other Operating Activity | 5,965 | 18,710 | 2,928 | -1,997 | 5,085 |
| Operating Cash Flow | $33,967 | $22,807 | $29,824 | $30,734 | $29,198 |
| Cash Flows From Investing Activities | |||||
| PPE Investments | -4,720 | -3,018 | -749 | -330 | -809 |
| Purchase Of Investment | -81,231 | -227,210 | -29,196 | -137,194 | -272,443 |
| Sale Of Investment | 92,395 | 227,136 | 51,685 | 50,768 | 83,839 |
| Net Loans | -137,051 | -112,951 | -136,245 | -118,999 | 57,938 |
| Other Investing Activity | 1,656 | 838 | -2,063 | -2,239 | 511 |
| Investing Cash Flow | $-128,951 | $-115,205 | $-116,568 | $-207,994 | $-130,964 |
| Cash Flows From Financing Activities | |||||
| Change In Short Term Borrowing | -98,355 | 38,993 | -19,139 | 32,393 | -2,481 |
| Debt Issued | 40,020 | 60,001 | 155,000 | 40,000 | 0 |
| Debt Repayment | -82,394 | -82,444 | -70,764 | -29,998 | -12,461 |
| Common Stock Issued | 178 | 28,485 | 986 | 789 | 524 |
| Common Stock Repurchased | -361 | -703 | -3,100 | -2,515 | -1,440 |
| Dividend Paid | -11,489 | -9,719 | -9,417 | -9,158 | -8,539 |
| Financing Cash Flow | $67,081 | $98,617 | $120,998 | $2,445 | $196,754 |
| Beginning Cash Position | 72,339 | 66,120 | 31,866 | 206,681 | 111,693 |
| End Cash Position | 44,436 | 72,339 | 66,120 | 31,866 | 206,681 |
| Net Cash Flow | $-27,903 | $6,219 | $34,254 | $-174,815 | $94,988 |
| Free Cash Flow | |||||
| Operating Cash Flow | 33,967 | 22,807 | 29,824 | 30,734 | 29,198 |
| Capital Expenditure | -4,720 | -3,127 | -1,412 | -2,153 | -1,258 |
| Free Cash Flow | 29,247 | 19,680 | 28,412 | 28,581 | 27,940 |