Norwood Financial Corp. (NWFL)

Norwood Financial Cash Flow Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	3.17	-0.16	16.76	29.23	24.92	15.08
Depreciation & Amortization	1.37	1.38	1.46	1.57	1.6	1.44
Other Amortization	0.74	0.65	0.6	-0.22	-	-
Gain (Loss) on Sale of Assets	-	-0.03	0.1	-0.38	0.11	0.13
Gain (Loss) on Sale of Investments	20.01	20.55	1.05	1.3	1.44	1.18
Provision for Credit Losses	4.76	2.67	5.55	0.9	4.2	5.45
Net Decrease (Increase) in Loans Originated / Sold - Operating	0.27	0.2	0.06	0	0.18	0.53
Accrued Interest Receivable	-0.31	-0.34	-1.21	-1.03	0.34	-1.09
Other Operating Activities	-2.78	-4.74	-3.17	-2.74	-3.56	-7.92
Operating Cash Flow	25.3	22.81	29.82	30.73	29.2	13.8
Operating Cash Flow Growth	-6.13%	-23.53%	-2.96%	5.26%	111.63%	-25.17%
Capital Expenditures	-4.65	-3.13	-1.41	-2.15	-1.26	-0.75
Sale of Property, Plant and Equipment	-	-	0	-	0.16	0.01
Cash Acquisitions	-	-	-	-	-	15.19
Investment in Securities	3.46	5.97	24.39	-84.94	-188.66	1.02
Net Decrease (Increase) in Loans Originated / Sold - Investing	-145.97	-112.95	-136.25	-119	57.94	-80.77
Other Investing Activities	0.01	-5.1	-3.3	-1.91	0.86	3.94
Investing Cash Flow	-147.16	-115.21	-116.57	-207.99	-130.96	-61.36
Short-Term Debt Issued	-	38.99	-	32.39	-	1.05
Long-Term Debt Issued	-	60	155	40	-	10
Total Debt Issued	78.99	98.99	155	72.39	-	11.05
Short-Term Debt Repaid	-	-	-19.14	-	-2.48	-
Long-Term Debt Repaid	-	-82.44	-70.76	-30	-12.46	-23.98
Total Debt Repaid	-177.57	-82.44	-89.9	-30	-14.94	-23.98
Net Debt Issued (Repaid)	-98.57	16.55	65.1	42.4	-14.94	-12.93
Issuance of Common Stock	28.49	28.49	0.99	0.79	0.52	0.4
Repurchase of Common Stock	-0.47	-0.7	-3.1	-2.52	-1.44	-0.11
Common Dividends Paid	-10.6	-9.72	-9.42	-9.16	-8.54	-7.26
Net Increase (Decrease) in Deposit Accounts	186.66	64	67.43	-29.07	221.15	163.74
Financing Cash Flow	105.5	98.62	121	2.45	196.75	143.84
Net Cash Flow	-16.35	6.22	34.25	-174.82	94.99	96.28
Free Cash Flow	20.66	19.68	28.41	28.58	27.94	13.05
Free Cash Flow Growth	-16.46%	-30.73%	-0.59%	2.29%	114.13%	-22.40%
Free Cash Flow Margin	38.28%	40.69%	43.95%	36.91%	40.22%	24.71%
Free Cash Flow Per Share	2.38	2.43	3.52	3.50	3.41	1.80
Cash Interest Paid	52.14	48.28	25.62	5.82	6.16	8.81
Cash Income Tax Paid	2.16	2.62	4.94	6.89	5.33	2.79

Updated Apr 17, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q