For the year ending 2025-12-31, NWFL had -$27,903K decrease in cash & cash equivalents over the period. $29,247K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income (loss) | 27,755 |
| Provision for credit losses | 1,773 |
| Depreciation | 1,415 |
| Amortization of intangible assets | 54 |
| Deferred income taxes | -94 |
| Net (accretion) amortization of securities premiums and discounts | 623 |
| Earnings and proceeds on life insurance policies | 1,088 |
| Gain on sales of fixed assets and foreclosed real estate owned | 9 |
| Net amortization of loan fees | -756 |
| Net gain on sale of loans | 326 |
| Mortgage loans originated for sale | 12,519 |
| Proceeds from sale of loans originated for sale | -12,845 |
| Compensation expense related to stock options | 248 |
| Compensation expense related to restricted stock | 528 |
| Increase in accrued interest receivable | 784 |
| (decrease) increase in accrued interest payable | -477 |
| Other, net | -4,513 |
| Net cash provided by operating activities | 33,967 |
| Proceeds from maturities and principal reductions on mortgage-backed securities | 67,767 |
| Purchases | 63,346 |
| Purchase of regulatory stock | 17,885 |
| Redemption of regulatory stock | 24,628 |
| Net increase in loans | 137,051 |
| Proceeds from bank-owned life insurance | 1,656 |
| Purchase of premises and equipment | 4,720 |
| Net cash used for investing activities | -128,951 |
| Net increase in deposits | 219,482 |
| Net (decrease) increase in short-term borrowings | -98,355 |
| Repayments of other borrowings | 82,394 |
| Proceeds from other borrowings | 40,020 |
| Stock options exercised | 80 |
| Sale of treasury stock for esop | 98 |
| Acquisition of treasury stock | 361 |
| Cash dividends paid | 11,489 |
| Net cash provided by financing activities | 67,081 |
| Net (decrease) increase in cash and cash equivalents | -27,903 |
| Cash and cash equivalents - beginning | 72,339 |
| Cash and cash equivalents - ending | 44,436 |
NORWOOD FINANCIAL CORP (NWFL)
NORWOOD FINANCIAL CORP (NWFL)