Norwood Financial Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	-0.16	16.76	29.23	24.92
Depreciation & Amortization	1.38	1.46	1.57	1.6
Other Amortization	0.65	0.6	-0.22	-
Gain (Loss) on Sale of Assets	-0.03	0.1	-0.38	0.11
Gain (Loss) on Sale of Investments	20.55	1.05	1.3	1.44
Provision for Credit Losses	2.67	5.55	0.9	4.2
Net Decrease (Increase) in Loans Originated / Sold - Operating	0.2	0.06	0	0.18
Accrued Interest Receivable	-0.34	-1.21	-1.03	0.34
Other Operating Activities	-4.74	-3.17	-2.74	-3.56
Operating Cash Flow	22.81	29.82	30.73	29.2
Operating Cash Flow Growth	-23.53%	-2.96%	5.26%	111.63%
Capital Expenditures	-3.13	-1.41	-2.15	-1.26
Sale of Property, Plant and Equipment	-	0	-	0.16
Investment in Securities	5.97	24.39	-84.94	-188.66
Net Decrease (Increase) in Loans Originated / Sold - Investing	-112.95	-136.25	-119	57.94
Other Investing Activities	-5.1	-3.3	-1.91	0.86
Investing Cash Flow	-115.21	-116.57	-207.99	-130.96
Short-Term Debt Issued	38.99	-	32.39	-
Long-Term Debt Issued	60	155	40	-
Total Debt Issued	98.99	155	72.39	-
Short-Term Debt Repaid	-	-19.14	-	-2.48
Long-Term Debt Repaid	-82.44	-70.76	-30	-12.46
Total Debt Repaid	-82.44	-89.9	-30	-14.94
Net Debt Issued (Repaid)	16.55	65.1	42.4	-14.94
Issuance of Common Stock	28.49	0.99	0.79	0.52
Repurchase of Common Stock	-0.7	-3.1	-2.52	-1.44
Common Dividends Paid	-9.72	-9.42	-9.16	-8.54
Net Increase (Decrease) in Deposit Accounts	64	67.43	-29.07	221.15
Financing Cash Flow	98.62	121	2.45	196.75
Net Cash Flow	6.22	34.25	-174.82	94.99
Free Cash Flow	19.68	28.41	28.58	27.94
Free Cash Flow Growth	-30.73%	-0.59%	2.29%	114.13%
Free Cash Flow Margin	40.69%	43.95%	36.91%	40.22%
Free Cash Flow Per Share	2.43	3.52	3.50	3.41
Cash Interest Paid	48.28	25.62	5.82	6.16
Cash Income Tax Paid	2.62	4.94	6.89	5.33

Updated Jan 22, 2026. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

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