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Norwood Financial cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$18.2M in Q3 2026 · $39.8M over twelve months

Operating cash flow$18.5M
Capital spending−$315K
Free cash flow+$18.2M
Cash / net income1.6×

Analysis

In Q3 2026, Norwood Financial generated $18.5M of operating cash flow and spent $315K on capital projects, leaving free cash flow of $18.2M. That is $9.9M more than in Q3 2025 ($8.3M).

Over the twelve months to Sep 30, 2026, operating cash flow was $42.2M; the largest uses were other investing ($113M), dividends ($13.3M), capital spending ($2.3M); besides operations, cash came from net borrowing (+) / repaid (−) ($56.1M), other financing ($27.7M); the cash balance fell by $2.2M.

Operating cash flow was $18.5M against net income of $11.8M — 1.6× profit, cash ran ahead of reported earnings. The largest differences: other operating capital +$3.4M, deferred taxes +$1.2M, prepaid and other assets −$41K.

Free cash flow

Norwood Financial: free cash flow by quarterNorwood Financial: free cash flow by quarter$3.3MQ4 2024$8.2MQ1 2025$5.1MQ2 2025$8.3MQ3 2025$7.7MQ4 2025$5.5MQ1 2026$8.4MQ2 2026$18.2MQ3 2026
Operating cash flow less capital spending.
Norwood Financial: operating cash flow against capital spendingNorwood Financial: operating cash flow against capital spendingOperating cash flowCapital spending$4.8M$1.5MQ4 2024$9.1M$932KQ1 2025$6.8M$1.7MQ2 2025$9.3M$1.0MQ3 2025$8.8M$1.1MQ4 2025$6.0M$455KQ1 2026$8.9M$498KQ2 2026$18.5M$315KQ3 2026
Latest (Q3 2026): Operating cash flow $18.5M, Capital spending $315K.

Capital allocation, year by year

Norwood Financial: where the cash came from (up) and went (down), by fiscal yearNorwood Financial: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingBuybacksDividendsFY2021: Operating cash flow $29.2MFY2021: Net borrowing −$2.5MFY2021: Shares issued $524KFY2021: Asset sales $158KFY2021: Capital spending −$1.3MFY2021: Buybacks −$1.4MFY2021: Dividends −$8.5M$29.9MFY2021FY2022: Operating cash flow $30.7MFY2022: Net borrowing $32.4MFY2022: Shares issued $789KFY2022: Capital spending −$2.2MFY2022: Buybacks −$2.5MFY2022: Dividends −$9.2M$63.9MFY2022FY2023: Operating cash flow $29.8MFY2023: Net borrowing −$19.1MFY2023: Shares issued $986KFY2023: Asset sales $1KFY2023: Capital spending −$1.4MFY2023: Buybacks −$3.1MFY2023: Dividends −$9.4M$30.8MFY2023FY2024: Operating cash flow $22.8MFY2024: Net borrowing $39.0MFY2024: Shares issued $28.5MFY2024: Capital spending −$3.1MFY2024: Buybacks −$703KFY2024: Dividends −$9.7M$90.3MFY2024FY2025: Operating cash flow $34.0MFY2025: Net borrowing −$98.4MFY2025: Shares issued $178KFY2025: Capital spending −$4.7MFY2025: Buybacks −$361KFY2025: Dividends −$11.5M$34.1MFY2025
Over these 5 years operating cash flow totalled $147M; the largest uses were net borrowing ($120M) and dividends ($48.3M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$72.5M
Debt$56.1M
Net cash$16.4M

Norwood Financial funds itself: free cash flow was $39.8M over the last twelve months, and $72.5M of cash and investments stands against $56.1M of debt.

Where the cash came from and went

Norwood Financial: sources (+) and uses (−) of cash, Q3 2026Norwood Financial: sources (+) and uses (−) of cash, Q3 2026Net borrowing (+) / repaid (−)$56.1MOther investing−$51.1MOperating cash flow$18.5MCash drawn (+) / kept (−)−$12.2MOther financing−$8.1MDividends−$3.5MShares issued$622KCapital spending−$315K
Norwood Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Norwood Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$113MNet borrowing (+) / repaid (−)$56.1MOperating cash flow$42.2MOther financing$27.7MDividends−$13.3MCapital spending−$2.3MCash drawn (+) / kept (−)$2.2MShares issued$1.0MBuybacks−$13K

From profit to cash

Norwood Financial: net income to operating cash flow, Q3 2026Norwood Financial: net income to operating cash flow, Q3 2026Net income$11.8MDeferred taxes$1.2MPrepaid and other assets−$41KOther operating capital$3.4MOperating cash flow$18.5M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingAcquisitionsBuybacksDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$18.5M−$315K——−$3.5M$56.1M$622K−$12.2M$18.2M
Q2 2026$8.9M−$498K——−$3.5M—$14K$42.3M$8.4M
Q1 2026$6.0M−$455K$57.0M—−$3.5M−$14.7M$486K−$58.1M$5.5M
Q4 2025$8.8M−$1.1M—−$12K−$2.9M$14.7M$66K$30.3M$7.7M
Q3 2025$9.3M−$1.0M——−$2.9M−$26.5M—−$21.7M$8.3M
Q2 2025$6.8M−$1.7M——−$2.9M$26.5M—$22.4M$5.1M
Q1 2025$9.1M−$932K—−$349K−$2.9M−$113M—−$3.1M$8.2M
Q4 2024$4.8M−$1.5M—−$27K−$2.4M$60.6M$76K$10.5M$3.3M

Norwood Financial: income statement and cash flow

Norwood Financial, Q3 2026: revenue $30.9M (+35% year over year), operating margin 49.4%. The chart follows the revenue to costs, profit and cash.

Norwood Financial: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.