Norwood Financial Corp. (NWFL)
NASDAQ: NWFL · Real-Time Price · USD
35.68
-0.19 (-0.53%)
Nov 6, 2026, 4:00 PM EST - Market closed
Norwood Financial Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Income | 27.76 | -0.16 | 16.76 | 29.23 | 24.92 |
Depreciation & Amortization | 1.47 | 1.38 | 1.46 | 1.57 | 1.6 |
Other Amortization | 0.76 | 0.65 | 0.6 | -0.22 | - |
Gain (Loss) on Sale of Assets | -0.01 | -0.03 | 0.1 | -0.38 | 0.11 |
Gain (Loss) on Sale of Investments | -0.62 | 20.55 | 1.05 | 1.3 | 1.44 |
Provision for Credit Losses | 1.77 | 2.67 | 5.55 | 0.9 | 4.2 |
Net Decrease (Increase) in Loans Originated / Sold - Operating | 0.33 | 0.2 | 0.06 | 0 | 0.18 |
Accrued Interest Receivable | -0.78 | -0.34 | -1.21 | -1.03 | 0.34 |
Other Operating Activities | 3.33 | -4.74 | -3.17 | -2.74 | -3.56 |
Operating Cash Flow | 33.97 | 22.81 | 29.82 | 30.73 | 29.2 |
Operating Cash Flow Growth | 48.93% | -23.53% | -2.96% | 5.26% | 111.63% |
Investing Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Capital Expenditures | -4.72 | -3.13 | -1.41 | -2.15 | -1.26 |
Sale of Property, Plant and Equipment | - | - | 0 | - | 0.16 |
Investment in Securities | 4.42 | 5.97 | 24.39 | -84.94 | -188.66 |
Net Decrease (Increase) in Loans Originated / Sold - Investing | -137.05 | -112.95 | -136.25 | -119 | 57.94 |
Other Investing Activities | 8.4 | -5.1 | -3.3 | -1.91 | 0.86 |
Investing Cash Flow | -128.95 | -115.21 | -116.57 | -207.99 | -130.96 |
Financing Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Short-Term Debt Issued | - | 38.99 | - | 32.39 | - |
Long-Term Debt Issued | 40.02 | 60 | 155 | 40 | - |
Total Debt Issued | 40.02 | 98.99 | 155 | 72.39 | - |
Short-Term Debt Repaid | -98.36 | - | -19.14 | - | -2.48 |
Long-Term Debt Repaid | -82.39 | -82.44 | -70.76 | -30 | -12.46 |
Total Debt Repaid | -180.75 | -82.44 | -89.9 | -30 | -14.94 |
Net Debt Issued (Repaid) | -140.73 | 16.55 | 65.1 | 42.4 | -14.94 |
Issuance of Common Stock | 0.18 | 28.49 | 0.99 | 0.79 | 0.52 |
Repurchase of Common Stock | -0.36 | -0.7 | -3.1 | -2.52 | -1.44 |
Common Dividends Paid | -11.49 | -9.72 | -9.42 | -9.16 | -8.54 |
Net Increase (Decrease) in Deposit Accounts | 219.48 | 64 | 67.43 | -29.07 | 221.15 |
Financing Cash Flow | 67.08 | 98.62 | 121 | 2.45 | 196.75 |
Net Cash Flow
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Cash Flow | -27.9 | 6.22 | 34.25 | -174.82 | 94.99 |
Free Cash Flow
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Free Cash Flow | 29.25 | 19.68 | 28.41 | 28.58 | 27.94 |
Free Cash Flow Growth | 48.61% | -30.73% | -0.59% | 2.29% | 114.13% |
Free Cash Flow Margin | 33.94% | 40.69% | 43.95% | 36.91% | 40.22% |
Free Cash Flow Per Share | 3.17 | 2.43 | 3.52 | 3.50 | 3.41 |