For the quarter ending 2025-09-30, NWFL had $21,685K increase in cash & cash equivalents over the period. $8,302K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 8,335 | 11,978 |
| Provision for (release of) credit losses | -502 | 1,807 |
| Depreciation | 362 | 658 |
| Amortization of intangible assets | 12 | 30 |
| Deferred income taxes | 155 | -1,489 |
| Net (accretion) amortization of securities premiums and discounts | 151 | 319 |
| Earnings and proceeds on life insurance policies | 268 | 552 |
| Gain on sales and write-downs of fixed assets and foreclosed real estate owned, net | 9 | - |
| Net amortization of loan fees | -189 | -388 |
| Net gain on sale of loans | 130 | 112 |
| Mortgage loans originated for sale | 4,239 | 5,584 |
| Proceeds from sale of loans originated for sale | -4,369 | -5,696 |
| Compensation expense related to stock options | 62 | 124 |
| Compensation expense related to restricted stock | 117 | 233 |
| (increase) decrease in accrued interest receivable | 44 | 176 |
| (decrease) increase in accrued interest payable | -1,152 | -1,640 |
| Other, net | -2,233 | -4,811 |
| Net cash provided by operating activities | 9,339 | 15,853 |
| Proceeds from maturities and principal reductions on mortgage-backed securities | 11,491 | 30,223 |
| Purchases | 8,063 | 27,410 |
| Purchase of regulatory stock | 3,299 | 10,946 |
| Redemption of regulatory stock | 4,674 | 16,774 |
| Net increase in loans | 25,472 | 71,844 |
| Proceeds from bank-owned life insurance | 555 | 1,101 |
| Purchase of premises and equipment | 1,037 | 2,609 |
| Net cash used in investing activities | -21,151 | -64,711 |
| Net increase in deposits | 76,134 | 138,671 |
| Net decrease in short-term borrowings | -26,500 | -86,569 |
| Repayments of other borrowings | 13,279 | 56,443 |
| Proceeds from other borrowings | 0 | 40,000 |
| Stock options exercised | 14 | - |
| Purchase of treasury stock | 0 | 349 |
| Cash dividends paid | 2,872 | 5,746 |
| Net cash provided by financing activities | 33,497 | 29,564 |
| Increase in cash and cash equivalents | 21,685 | -19,294 |
| Cash and cash equivalents at beginning of period | 72,339 | - |
| Cash and cash equivalents at end of period | 74,730 | - |
NORWOOD FINANCIAL CORP (NWFL)
NORWOOD FINANCIAL CORP (NWFL)