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Income Statement
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Cash Flow
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Cash Flow Overview
Change in Cash
-$42,284K
Free Cash flow
$8,408K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
Proceeds from maturities and pri...
Net income
Net increase in deposits
Others
Negative Cash Flow Breakdown
Purchases
Net increase in loans
Repayments of other borrowings
Others
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Page 1
Quarterly
123
Page 1
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
9,328
3,730
7,442
8,335
Provision for credit losses
1,944
1,459
468
-502
Depreciation
434
438
395
362
Amortization of intangible assets
166
165
12
12
Deferred income taxes
-215
-996
1,240
155
Net accretion of securities premiums and discounts
404
196
153
151
Earnings and proceeds on life insurance policies
326
314
268
268
Gain on sales of fixed assets and foreclosed real estate owned
-
-
9
-
Loss on sales and write-downs of fixed assets and foreclosed real estate owned, net
0
-80
-
9
Net amortization of loan fees
-207
-129
-179
-189
Net gain on sale of loans
55
76
84
130
Mortgage loans originated for sale
2,556
2,707
2,696
4,239
Proceeds from sale of loans originated for sale
-2,611
-2,783
-2,780
-4,369
Compensation expense related to stock options
74
74
62
62
Compensation expense related to restricted stock
135
136
178
117
Increase (decrease) in accrued interest receivable
-247
85
564
44
Decrease in accrued interest payable
-1,024
-3,418
2,315
-1,152
Other, net
1,660
-4,804
2,531
-2,233
Net cash provided by operating activities
8,906
5,997
8,775
9,339
Proceeds from maturities and principal reductions on mortgage-backed securities
18,112
17,076
26,053
11,491
Purchases
26,013
24,084
27,873
8,063
Purchase of regulatory stock
3,274
909
3,640
3,299
Redemption of regulatory stock
4,070
2,380
3,180
4,674
Net increase in loans
24,921
39,816
39,735
25,472
Proceeds from bank-owned life insurance
-
-
0
555
Purchase of premises and equipment
498
455
1,074
1,037
Acquisition, net of cash and cash equivalents acquired
0
-57,020
-
-
Net cash used in investing activities
-32,524
11,212
-43,089
-21,151
Net increase in deposits
7,599
71,457
4,677
76,134
Net decrease in short-term borrowings
0
-14,714
14,714
-26,500
Repayments of other borrowings
22,793
12,950
12,672
13,279
Proceeds from other borrowings
0
155
20
0
Stock options exercised
14
320
66
14
Sale of treasury stock for esop
-
-
98
-
Purchase of treasury stock
1
-
12
0
Proceeds from capital issuance
0
166
-
-
Cash dividends paid
3,485
3,506
2,871
2,872
Net cash provided by financing activities
-18,666
40,928
4,020
33,497
Increase (decrease) in cash and cash equivalents
-42,284
58,137
-30,294
21,685
Cash and cash equivalents, beginning of period
102,573
44,436
74,730
72,339
Cash and cash equivalents, end of period
60,289
102,573
44,436
74,730
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
Show the time plot by selecting a row from the table.
Cash Flow
Net income
$9,328K
(-22.12%↓ Y/Y)
Proceeds from sale of
loans originated for...
-$2,611K
(54.16%↑ Y/Y)
Provision for credit
losses
$1,944K
(7.58%↑ Y/Y)
Depreciation
$434K
(-34.04%↓ Y/Y)
Increase (decrease) in
accrued interest...
-$247K
(-240.34%↓ Y/Y)
Net amortization of
loan fees
-$207K
(46.65%↑ Y/Y)
Amortization of intangible
assets
$166K
(453.33%↑ Y/Y)
Compensation expense related
to restricted...
$135K
(-42.06%↓ Y/Y)
Compensation expense related
to stock options
$74K
(-40.32%↓ Y/Y)
Net cash provided by
operating activities
$8,906K
(-43.82%↓ Y/Y)
Canceled cashflow
$6,240K
Increase (decrease) in
cash and cash...
-$42,284K
(-119.16%↓ Y/Y)
Canceled cashflow
$8,906K
Proceeds from maturities
and principal...
$18,112K
(-40.07%↓ Y/Y)
Redemption of regulatory
stock
$4,070K
(-75.74%↓ Y/Y)
Net increase in
deposits
$7,599K
(-94.52%↓ Y/Y)
Stock options
exercised
$14K
Mortgage loans
originated for sale
$2,556K
(-54.23%↓ Y/Y)
Other, net
$1,660K
(134.50%↑ Y/Y)
Decrease in accrued
interest payable
-$1,024K
(37.56%↑ Y/Y)
Net accretion of
securities premiums and...
$404K
(26.65%↑ Y/Y)
Earnings and proceeds on
life insurance...
$326K
(-40.94%↓ Y/Y)
Deferred income taxes
-$215K
(85.56%↑ Y/Y)
Net gain on sale of
loans
$55K
(-50.89%↓ Y/Y)
Net cash used in
investing activities
-$32,524K
(49.74%↑ Y/Y)
Net cash provided by
financing activities
-$18,666K
(-163.14%↓ Y/Y)
Canceled cashflow
$22,182K
Canceled cashflow
$7,613K
Purchases
$26,013K
(-5.10%↓ Y/Y)
Net increase in
loans
$24,921K
(-65.31%↓ Y/Y)
Repayments of other
borrowings
$22,793K
(-59.62%↓ Y/Y)
Purchase of regulatory
stock
$3,274K
(-70.09%↓ Y/Y)
Purchase of premises and
equipment
$498K
(-80.91%↓ Y/Y)
Cash dividends paid
$3,485K
(-39.35%↓ Y/Y)
Purchase of treasury
stock
$1K
(-99.71%↓ Y/Y)
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NORWOOD FINANCIAL CORP (NWFL)
NORWOOD FINANCIAL CORP (NWFL)