Norwood Financial Corp. (NWFL)

NASDAQ: NWFL · Real-Time Price · USD

33.62

-0.43 (-1.26%)

At close: Jul 29, 2026, 4:00 PM EDT

33.62

0.00 (0.00%)

After-hours: Jul 29, 2026, 4:10 PM EDT

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	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	25.71	27.76	-0.16	16.76	29.23	24.92
Depreciation & Amortization	1.74	1.47	1.38	1.46	1.57	1.6
Provision for Credit Losses	2.38	1.77	2.67	5.55	0.9	4.2
Stock-Based Compensation	0.81	0.78	0.72	0.83	0.64	0.55
Net Change in Loans Held-for-Sale	0.36	0.33	0.2	0.06	0	0.18
Other Adjustments	-1.17	-1.38	19.8	1.26	0.03	-3.45
Changes in Accrued Interest and Accounts Receivable	-0.75	-0.78	-0.34	-1.21	-1.03	0.34
Changes in Accounts Payable	-5.14	-0.48	2.11	7.86	1.45	-0.4
Changes in Other Operating Activities	6.87	4.51	-3.56	-2.74	-2.07	1.26
Operating Cash Flow	30.87	33.97	22.81	29.82	30.73	29.2
Operating Cash Flow Growth	11.62%	48.93%	-23.53%	-2.96%	5.26%	111.63%

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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 Change in Loans Held-for-Investment	-125.35	-137.05	-112.95	-136.25	-119	57.94
Net Change in Securities and Investments	4.99	11.16	-0.07	22.49	-86.43	-188.6
Cash Acquisitions	57.02	-	-	-	-	-
Capital Expenditures	-4.24	-4.72	-3.13	-1.41	-2.15	-1.26
Sale of Property, Plant & Equipment	-	-	-	0	-	0.16
Other Investing Activities	-	1.66	0.95	-1.4	-0.42	0.8
Investing Cash Flow	-65.92	-128.95	-115.21	-116.57	-207.99	-130.96

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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 Change in Deposits	145.65	219.48	64	67.43	-29.07	221.15
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	-	-98.36	38.99	-19.14	32.39	-2.48
Long-Term Debt Issued	0.18	40.02	60	155	40	-
Long-Term Debt Repaid	-72.14	-82.39	-82.44	-70.76	-30	-12.46
Net Long-Term Debt Issued (Repaid)	-71.97	-42.37	-22.44	84.24	10	-12.46
Issuance of Common Stock	0.17	0.18	28.49	0.99	0.79	0.52
Repurchase of Common Stock	-0.01	-0.36	-0.7	-3.1	-2.52	-1.44
Net Common Stock Issued (Repurchased)	0.15	-0.18	27.78	-2.11	-1.73	-0.92
Common Dividends Paid	-12.12	-11.49	-9.72	-9.42	-9.16	-8.54
Financing Cash Flow	62.22	67.08	98.62	121	2.45	196.75

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	27.17	-27.9	6.22	34.25	-174.82	94.99

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	26.62	29.25	19.68	28.41	28.58	27.94
Free Cash Flow Growth	10.24%	48.61%	-30.73%	-0.59%	2.29%	114.13%
FCF Margin	332.58%	33.94%	40.69%	43.95%	36.49%	40.22%
Free Cash Flow Per Share	2.75	3.17	2.43	3.51	3.50	3.41

SEC Filings: 10-K · 10-Q