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Norwood Financial NWFL Unearned income, unamortized deferred fees and costs on originated loans, and premiums or discounts on purchased loans

Unearned income, unamortized deferred fees and costs on originated loans, and premiums or discounts on purchased loans at other companies

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$1.7B+88.9%

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Income statement

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Revenue$27.3M+34.9%
Net income$3.7M-35.4%
EPS (diluted)$0.35-44.4%

Balance sheet

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Cash & equivalents$102.6M+36.0%
Total debt$18.1M-91.7%
Total equity$283.9M+28.6%
Total assets$2.9B+22.8%

Cash flow

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Operating cash flow$6.0M-34.1%
CapEx$455.0K-51.2%
Free cash flow$5.5M-32.1%

Valuation

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Market cap$339.57M+44.4%
P/E13.2×-186×
P/S3.6×-0.7×

Profitability

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Net margin27.1%+24.9pp
FCF margin28%-15.4pp

Returns & leverage

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Return on equity10.2%+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:FinancingReceivableDeferredIncome.

The official record: Norwood Financial’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Norwood Financial's unearned income, unamortized deferred fees and costs on originated loans, and premiums or discounts on purchased loans?
Norwood Financial (NWFL) reported unearned income, unamortized deferred fees and costs on originated loans, and premiums or discounts on purchased loans of $658K in Q1 2026.
How has Norwood Financial's unearned income, unamortized deferred fees and costs on originated loans, and premiums or discounts on purchased loans changed year-over-year?
Norwood Financial's unearned income, unamortized deferred fees and costs on originated loans, and premiums or discounts on purchased loans increased by 59.3% year-over-year, from $413K to $658K.
What is the long-term trend for Norwood Financial's unearned income, unamortized deferred fees and costs on originated loans, and premiums or discounts on purchased loans?
Over 2 years (2023 to 2025), Norwood Financial's unearned income, unamortized deferred fees and costs on originated loans, and premiums or discounts on purchased loans has grown at a 32.3% compound annual growth rate (CAGR), from $259K to $453K.
What does unearned income, unamortized deferred fees and costs on originated loans, and premiums or discounts on purchased loans mean?
The net balance of unearned income, unamortized deferred fees, and costs associated with originated loans, as well as premiums or discounts on purchased loans. This metric represents adjustments to the carrying value of loans that are recognized as interest income over the life of the loan. It is a key component for understanding the effective yield and accounting basis of the bank's loan portfolio.