Norwood Financial Corp (NWFL)
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Fiscal Year End Date: 12/31
(Values in U.S. thousands)
| 09-2025 | 06-2025 | 03-2025 | 12-2024 | 09-2024 | |
| Cash Flows From Operating Activities | |||||
| Net Income | 20,313 | 11,978 | 5,773 | -160 | 12,491 |
| Depreciation Amortization | 1,169 | 757 | 346 | 2,620 | 1,965 |
| Income taxes - deferred | -1,334 | -1,489 | -1,342 | -125 | 57 |
| Other Working Capital | -3,012 | -1,816 | 1,128 | 1,762 | 2,239 |
| Other Operating Activity | 8,056 | 6,423 | 3,193 | 18,710 | 1,249 |
| Operating Cash Flow | $25,192 | $15,853 | $9,098 | $22,807 | $18,001 |
| Cash Flows From Investing Activities | |||||
| PPE Investments | -3,646 | -2,609 | -932 | -3,018 | -1,551 |
| Purchase Of Investment | -49,718 | -38,356 | -25,299 | -227,210 | -31,951 |
| Sale Of Investment | 63,162 | 46,997 | 25,933 | 227,136 | 53,664 |
| Net Loans | -97,316 | -71,844 | -51,521 | -112,951 | -73,658 |
| Other Investing Activity | 1,656 | 1,101 | 0 | 838 | 838 |
| Investing Cash Flow | $-85,862 | $-64,711 | $-51,819 | $-115,205 | $-52,658 |
| Cash Flows From Financing Activities | |||||
| Change In Short Term Borrowing | -113,069 | -86,569 | -113,069 | 38,993 | -21,623 |
| Debt Issued | 40,000 | 40,000 | 40,000 | 60,001 | 60,000 |
| Debt Repayment | -69,722 | -56,443 | -23,203 | -82,444 | -39,277 |
| Common Stock Issued | 14 | N/A | N/A | 28,485 | 193 |
| Common Stock Repurchased | -349 | -349 | -349 | -703 | -676 |
| Dividend Paid | -8,618 | -5,746 | -2,875 | -9,719 | -7,292 |
| Financing Cash Flow | $63,061 | $29,564 | $45,789 | $98,617 | $51,417 |
| Beginning Cash Position | 72,339 | 72,339 | 72,339 | 66,120 | 66,120 |
| End Cash Position | 74,730 | 53,045 | 75,407 | 72,339 | 82,880 |
| Net Cash Flow | $2,391 | $-19,294 | $3,068 | $6,219 | $16,760 |
| Free Cash Flow | |||||
| Operating Cash Flow | 25,192 | 15,853 | 9,098 | 22,807 | 18,001 |
| Capital Expenditure | -3,646 | -2,609 | -932 | -3,127 | -1,660 |
| Free Cash Flow | 21,546 | 13,244 | 8,166 | 19,680 | 16,341 |