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Financial Institutions FISI Accretion (Amortization) of Discounts and Premiums, Investments

Accretion (Amortization) of Discounts and Premiums, Investments at other companies

Capital City Bank Group logo
Capital City Bank GroupCCBG
-$792K+30.8%
Center Bancorp logo
Center BancorpCNOB
$224K+221%
CTB
Community Trust BancorpCTBI
-$539K+7.7%
First Commonwealth Financial logo
First Commonwealth FinancialFCF
$19K+144%
Customers Bancorp logo
Customers BancorpCUBI
$991K+36.7%
FB Financial logo
FB FinancialFBK
$888K+45.8%

Other financials

Income statement

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Revenue$62.7M+9.5%
Net income$21.0M+24.3%
EPS (diluted)$1.04+28.4%

Balance sheet

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Cash & equivalents$85.5M-48.9%
Total debt$224.6M+5.7%
Total equity$631.7M+7.1%
Total assets$6.3B-0.7%

Cash flow

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Operating cash flow$23.7M+137%
CapEx$650.0K-20.3%
Free cash flow$23.0M+151%

Valuation

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Market cap$761.27M+53.9%
Enterprise value$900.46M+66.8%
P/E9.6×
P/S

Profitability

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Net margin31.5%
FCF margin33%-35.0pp

Returns & leverage

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Return on equity12.9%+10.1pp
Debt / equity0.4×0.0×

Where this comes from

Reported directly by Financial Institutions in its filing.

Tagged under the XBRL concept us-gaap:AccretionAmortizationOfDiscountsAndPremiumsInvestments.

The official record: Financial Institutions’s 10-Q, filed May 4, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Financial Institutions's accretion (amortization) of discounts and premiums, investments?
Financial Institutions (FISI) reported accretion (amortization) of discounts and premiums, investments of $2M in Q1 2026.
How has Financial Institutions's accretion (amortization) of discounts and premiums, investments changed year-over-year?
Financial Institutions's accretion (amortization) of discounts and premiums, investments increased by 108.2% year-over-year, from $962K to $2M.
What is the long-term trend for Financial Institutions's accretion (amortization) of discounts and premiums, investments?
Over 4 years (2021 to 2025), Financial Institutions's accretion (amortization) of discounts and premiums, investments has grown at a 4.0% compound annual growth rate (CAGR), from -$5.49M to $6.43M.
What does accretion (amortization) of discounts and premiums, investments mean?
This represents the non-cash adjustment to interest income resulting from the amortization of premiums or accretion of discounts on investment securities. It reflects the systematic allocation of the difference between the purchase price and the par value of debt securities over their remaining life. This metric is essential for understanding the true yield of the investment portfolio beyond nominal coupon payments.