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Northfield Bancorp NFBK Amortization of premiums and deferred loan costs, net of accretion of discounts and deferred loan fees

Amortization of premiums and deferred loan costs, net of accretion of discounts and deferred loan fees at other companies

First BanCorp logo
First BanCorpFBP
-$127K-132%
Eastern Bankshares, Inc. logo
Eastern Bankshares, Inc.EBC
-$14.87M-55.6%
First BanCorp logo
First BanCorpFBP
-$127K-132%
Popular logo
PopularBPOP
$57.48M-16.5%
TFI
Triumph FinancialTFIN
$721.25K+4.4%
Stellar Bancorp logo
Stellar BancorpSTEL
$3.56M-34.0%

Other financials

Income statement

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Revenue$40.4M+16.0%
Net income$11.8M+50.4%
EPS (diluted)$0.30+57.9%

Balance sheet

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Cash & equivalents$239.6M+136%
Total debt$28.3M-10.4%
Total equity$694.7M-2.3%
Total assets$5.7B+0.4%

Cash flow

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Operating cash flow$19.8M+110%
CapEx$188.0K-27.1%
Free cash flow$19.6M+114%

Valuation

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Market cap$607.66M+26.6%
Enterprise value$396.41M-3.3%
P/E15.2×-6.8×
P/S3.8×+0.2×

Profitability

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Net margin26.4%+5.2pp
FCF margin39.4%+13.2pp

Returns & leverage

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Return on equity5.6%+1.7pp
Debt / equity0.0×

Where this comes from

Reported directly by Northfield Bancorp in its filing.

Tagged under the XBRL concept nfbk:AmortizationOfPremiumsAndDeferredLoanCosts.

The official record: Northfield Bancorp’s 10-Q, filed May 11, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Northfield Bancorp's amortization of premiums and deferred loan costs, net of accretion of discounts and deferred loan fees?
Northfield Bancorp (NFBK) reported amortization of premiums and deferred loan costs, net of accretion of discounts and deferred loan fees of $791K in Q1 2026.
How has Northfield Bancorp's amortization of premiums and deferred loan costs, net of accretion of discounts and deferred loan fees changed year-over-year?
Northfield Bancorp's amortization of premiums and deferred loan costs, net of accretion of discounts and deferred loan fees decreased by 37.4% year-over-year, from $1.26M to $791K.
What is the long-term trend for Northfield Bancorp's amortization of premiums and deferred loan costs, net of accretion of discounts and deferred loan fees?
Over 4 years (2021 to 2025), Northfield Bancorp's amortization of premiums and deferred loan costs, net of accretion of discounts and deferred loan fees has grown at a 11.0% compound annual growth rate (CAGR), from $2.59M to $3.93M.
What does amortization of premiums and deferred loan costs, net of accretion of discounts and deferred loan fees mean?
The net periodic adjustment to interest income resulting from the amortization of premiums paid or discounts received on loans, combined with the deferral and recognition of loan origination fees and costs. This metric is critical for understanding the effective yield on a loan portfolio over its expected life. It bridges the gap between cash-based interest receipts and accrual-based accounting income.