For the quarter ending 2026-03-31, NWFL had $58,137K increase in cash & cash equivalents over the period. $5,542K in free cash flow.
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Net income | 3,730 | 7,442 | 8,335 | 11,978 |
| Provision for credit losses | 1,459 | 468 | -502 | 1,807 |
| Depreciation | 438 | 395 | 362 | 658 |
| Amortization of intangible assets | 165 | 12 | 12 | 30 |
| Deferred income taxes | -996 | 1,240 | 155 | -1,489 |
| Net accretion of securities premiums and discounts | 196 | 153 | 151 | 319 |
| Earnings and proceeds on life insurance policies | 314 | 268 | 268 | 552 |
| Gain on sales of fixed assets and foreclosed real estate owned | - | 9 | - | - |
| Gain on sales and write-downs of fixed assets and foreclosed real estate owned, net | -80 | - | 9 | - |
| Net amortization of loan fees | -129 | -179 | -189 | -388 |
| Net gain on sale of loans | 76 | 84 | 130 | 112 |
| Mortgage loans originated for sale | 2,707 | 2,696 | 4,239 | 5,584 |
| Proceeds from sale of loans originated for sale | -2,783 | -2,780 | -4,369 | -5,696 |
| Compensation expense related to stock options | 74 | 62 | 62 | 124 |
| Compensation expense related to restricted stock | 136 | 178 | 117 | 233 |
| Increase in accrued interest receivable | 85 | 564 | 44 | 176 |
| (decrease) increase in accrued interest payable | -3,418 | 2,315 | -1,152 | -1,640 |
| Other, net | -4,804 | 2,531 | -2,233 | -4,811 |
| Net cash provided by operating activities | 5,997 | 8,775 | 9,339 | 15,853 |
| Proceeds from maturities and principal reductions on mortgage-backed securities | 17,076 | 26,053 | 11,491 | 30,223 |
| Purchases | 24,084 | 27,873 | 8,063 | 27,410 |
| Purchase of regulatory stock | 909 | 3,640 | 3,299 | 10,946 |
| Redemption of regulatory stock | 2,380 | 3,180 | 4,674 | 16,774 |
| Net increase in loans | 39,816 | 39,735 | 25,472 | 71,844 |
| Proceeds from bank-owned life insurance | - | 0 | 555 | 1,101 |
| Purchase of premises and equipment | 455 | 1,074 | 1,037 | 2,609 |
| Sale of treasury stock for esop | - | 98 | - | - |
| Acquisition, net of cash and cash equivalents acquired | -57,020 | - | - | - |
| Acquisition of treasury stock | - | 12 | 0 | 349 |
| Net cash used in investing activities | 11,212 | -43,089 | -21,151 | -64,711 |
| Net increase in deposits | 71,457 | 4,677 | 76,134 | 138,671 |
| Net decrease in short-term borrowings | -14,714 | 14,714 | -26,500 | -86,569 |
| Repayments of other borrowings | 12,950 | 12,672 | 13,279 | 56,443 |
| Proceeds from other borrowings | 155 | 20 | 0 | 40,000 |
| Stock options exercised | 320 | 66 | 14 | - |
| Proceeds from capital issuance | 166 | - | - | - |
| Cash dividends paid | 3,506 | 2,871 | 2,872 | 5,746 |
| Net cash provided by financing activities | 40,928 | 4,020 | 33,497 | 29,564 |
| Increase in cash and cash equivalents | 58,137 | -30,294 | 21,685 | -19,294 |
| Cash and cash equivalents, beginning of period | 44,436 | 74,730 | 72,339 | - |
| Cash and cash equivalents, end of period | 102,573 | 44,436 | 74,730 | - |
NORWOOD FINANCIAL CORP (NWFL)
NORWOOD FINANCIAL CORP (NWFL)