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Norwood Financial NWFL Accretion (Amortization) of Discounts and Premiums, Investments

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

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$114K+154%
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$54K+5.9%
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$4.39M+52.5%
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Other financials

Income statement

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Revenue$29.4M+37.8%
Net income$9.3M+50.3%
EPS (diluted)$0.86+28.4%

Balance sheet

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Cash & equivalents$60.3M+13.7%
Total debt$18.1M-91.7%
Total equity$289.6M+28.5%
Total assets$2.9B+22.9%

Cash flow

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Operating cash flow$8.9M+31.8%
CapEx$498.0K-70.3%
Free cash flow$8.4M+65.6%

Valuation

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Market cap$366.53M+62.8%
P/E12.7×-58.3×
P/S3.6×-0.2×

Profitability

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Net margin28%+22.7pp
FCF margin29.1%-5.5pp

Returns & leverage

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Return on equity11.2%+9.6pp
Debt / equity0.1×-1.0×

Where this comes from

Reported directly by Norwood Financial in its filing.

Tagged under the XBRL concept us-gaap:AccretionAmortizationOfDiscountsAndPremiumsInvestments.

The source filing: Norwood Financial’s 10-Q, filed August 7, 2026.

Filed
Aug 7, 2026, 9:45 AM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001013272-26-000016
(dollars in thousands)Six Months Ended June 30, 2026Six Months Ended June 30, 2025
Depreciation872658
Amortization of intangible assets33130
Deferred income taxes(1,211)(1,489)
Net accretion of securities premiums and discounts(600)(319)
Earnings and proceeds on life insurance policies(640)(552)
Loss on sales and write-downs of fixed assets and foreclosed real estate owned, net71
Net amortization of loan fees336388
Net gain on sale of loans(131)(112)

Item 1. Financial Statements Item 1. Financial Statements (unaudited)

FAQ

What is Norwood Financial's accretion (amortization) of discounts and premiums, investments?
Norwood Financial (NWFL) reported accretion (amortization) of discounts and premiums, investments of $404K in Q2 2026.
How has Norwood Financial's accretion (amortization) of discounts and premiums, investments changed year-over-year?
Norwood Financial's accretion (amortization) of discounts and premiums, investments increased by 160.6% year-over-year, from $155K to $404K.
What is the long-term trend for Norwood Financial's accretion (amortization) of discounts and premiums, investments?
Over 4 years (2021 to 2025), Norwood Financial's accretion (amortization) of discounts and premiums, investments has grown at a -20.1% compound annual growth rate (CAGR), from -$1.53M to $623K.
What does accretion (amortization) of discounts and premiums, investments mean?
The periodic adjustment to the carrying value of investment securities to reflect the amortization of premiums or accretion of discounts over the life of the instrument. This ensures the effective interest yield is accurately reflected in the income statement.

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