Northfield Bancorp, Inc. NFBK R2K

Financial Services · Banks - Regional · United States

https://www.enorthfield.com

Northfield Bancorp, Inc. operates as the bank holding company for Northfield Bank that provides a range of banking services primarily to individuals and corporate customers. It offers deposit accounts, including transaction, money market savings, certificates of deposit, passbook and statement savings deposit accounts. The company also provides commercial and industrial and owner-occupied commercial real estate loans; one-to-four family residential real estate loans; multifamily loans; construction and land loans; home equity loans and lines of credit; and small business loans. In addition, it purchases investment securities, including mortgage-backed securities and corporate bonds, and deposit funds in other financial institutions. Further, the company provides automated teller machines and debit cards; telephone, internet, and mobile banking services; and ACH and wire transfers, cash management, positive pay, and remote deposit capture services. It operates in Richmond and Kings counties in New York; and Hunterdon, Mercer, Union, and Middlesex counties in New Jersey. Northfield Bancorp, Inc. was founded in 1887 and is headquartered in Woodbridge, New Jersey.

Market & Price

Market Cap

$592.21M

Current Price

$14.18

High / Low (52W)

$14.29 / $9.80

Beta

0.71

Valuation

Stock P/E

109.08

Industry PE

12.01

Forward P/E

9.45

PEG Ratio

2.54

Book Value

$16.63

Price to Book

0.85

P/S

3.83

EV/EBITDA

Dividend Yield

3.67%

Profitability & Returns

ROCE

ROE

0.68%

ROA

0.08%

Profit Margin

3.08%

Op Margin

47.81%

EPS (Latest Qtr)

$0.30

EPS (TTM)

$0.13

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$896.53M

Total Assets

$5.75B

Current Assets

Working Capital

Ownership

Promoter Holding

12.21%

Chg in Prom Hold

FII / Inst Holding

61.53%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$1.23B

Total Revenue (TTM)

$154.81M

EBITDA

Free Cash Flow

Operating Cash Flow

$64.05M

Shares Outstanding

41.76M

Gross Margin

0.00%

Payout Ratio

400.00%

Growth (CAGR)

Revenue 5Y

-2.46%

Profit 5Y

-76.47%

Revenue (YoY)

24.50%

Earnings (YoY)

56.70%

PROS

Attractive dividend yield of 3.67%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

Trading at a high P/E of 109.1.
Revenue declined at -2.5% CAGR over 5 years.
Earnings shrank at -76.5% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	NFBK Northfield Bancorp, Inc. R2K	14.18	109.08	$592.21M	3.67%	-	0.68%	-2.46%	-76.47%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Sep 2014	Mar 2015	Jun 2015	Sep 2015	Mar 2016	Jun 2016	Sep 2016	Mar 2017	Jun 2017	Sep 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	1.21M	1.15M	1.24M	-	1.14M	1.21M	1.29M	-	1.12M	666.00K	1.01M	-	1.20M	1.33M	1.37M	-	1.33M	1.38M	1.50M	1.38M	1.31M	1.32M	1.61M	1.57M	1.61M	34.81M	38.92M	39.24M	41.34M	40.38M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	28.30M	28.03M	28.43M	26.97M	25.95M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	10.80M	13.87M	14.79M	-22.40M	16.87M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2.92M	4.29M	4.04M	5.00M	5.03M
Net Income	4.73M	5.00M	4.29M	4.68M	3.66M	6.99M	7.29M	9.95M	8.41M	8.13M	10.45M	10.61M	9.08M	9.95M	8.77M	8.20M	13.14M	10.12M	4.55M	10.79M	8.58M	13.06M	18.68M	19.79M	16.08M	16.10M	14.13M	15.87M	16.98M	11.71M	9.56M	8.18M	6.21M	5.96M	6.52M	7.88M	9.57M	10.75M	-27.40M	11.84M
Diluted EPS	0.10	0.11	0.10	0.11	0.08	0.15	0.16	0.21	0.18	0.17	0.22	0.23	0.19	0.21	0.19	0.17	0.28	0.21	0.10	0.23	0.17	0.26	0.38	0.40	0.33	0.34	0.30	0.34	0.37	0.26	0.22	0.19	0.15	0.14	0.16	0.19	0.24	0.27	-0.69	0.30

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	4.70M	4.88M	4.88M	3.97M	-	166.29M	136.56M	131.31M	154.32M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	21.38M	84.13M	123.42M	111.73M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	84.86M	51.76M	40.50M	17.05M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	23.74M	14.09M	10.56M	16.25M
Net Income	13.79M	16.82M	16.03M	19.15M	20.27M	19.53M	26.13M	24.77M	40.08M	40.23M	36.99M	-	61.12M	37.67M	29.95M	796.00K
Diluted EPS	0.24	0.30	0.29	0.34	0.41	0.45	0.57	0.53	0.85	0.85	0.76	-	1.32	0.86	0.72	0.02

Compounded Sales Growth

5 Years:	-2.46%
1 Year:	24.50%

Compounded Profit Growth

5 Years:	-76.47%
1 Year:	56.70%

Stock Price Performance

1 Year:	+26.85%
6 Months:	+32.56%
3 Months:	+7.28%
1 Month:	+2.66%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	2.38B	2.81B	2.70B	3.02B	3.20B	3.85B	3.99B	4.41B	5.06B	5.51B	-	5.60B	5.60B	5.67B	5.75B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	42.54M	43.85M	65.27M	128.76M	61.24M	76.71M	51.85M	96.08M	57.84M	77.76M	147.82M	87.54M	-	45.80M	229.51M	167.74M	163.95M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	17.43M	18.49M	19.08M	20.12M
Total Liabilities	-	-	1.99B	2.40B	1.99B	2.43B	2.64B	3.23B	3.35B	3.74B	4.36B	4.76B	-	4.90B	4.90B	4.96B	5.06B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	481.93M	419.12M	470.32M	778.66M	558.13M	473.21M	471.55M	408.89M	857.00M	591.79M	-	619.86M	800.99M	727.84M	961.88M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	659.64M	836.20M	760.05M	991.52M
Total Equity	391.54M	396.72M	382.65M	414.87M	716.11M	593.93M	559.78M	621.20M	638.88M	666.44M	695.85M	753.98M	-	701.39M	699.45M	704.70M	690.06M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	64.77M	64.77M	64.77M	64.77M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	25.57M	27.46M	27.98M	-	-	-	37.70M	43.62M	52.79M	51.15M	55.21M	-	83.33M	46.97M	31.11M	53.70M
Investing Cash Flow	-180.82M	10.62M	-244.80M	-	-	-	-97.61M	-190.53M	-406.36M	-522.73M	-131.93M	-	-280.21M	193.87M	-118.49M	-128.35M
Financing Cash Flow	156.55M	-16.67M	280.32M	-	-	-	104.14M	108.66M	373.49M	541.63M	16.44M	-	151.61M	-57.13M	25.62M	70.86M
Capital Expenditure	-5.37M	-6.08M	-8.04M	-2.92M	-809.00K	-802.00K	-932.00K	-2.06M	-2.88M	-3.62M	-3.06M	-	-2.55M	-3.60M	-1.15M	-1.15M
Free Cash Flow	20.21M	21.38M	19.94M	-	-	-	36.77M	41.56M	49.91M	47.53M	52.16M	-	80.78M	43.37M	29.95M	52.55M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-45.27M	183.71M	-61.76M	-3.79M
Share Buybacks	8.21M	37.82M	4.34M	3.63M	138.70M	48.45M	2.20M	0	5.00K	15.81M	10.40M	53.32M	30.88M	37.17M	18.68M	15.35M

Ratios (Annual)

Figures in %.

Metric	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	526.8%	821.8%	824.3%	932.4%	-	36.8%	27.6%	22.8%	0.5%
ROE %	3.5%	4.4%	3.9%	2.7%	3.4%	3.5%	4.2%	3.9%	6.0%	5.8%	4.9%	-	8.7%	5.4%	4.2%	0.1%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

12.21%

Institutions

61.53%

Public Float

70.09%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	12.52%	5.23M	$74.12M
2	Dimensional Fund Advisors LP	6.12%	2.56M	$36.26M
3	Vanguard Capital Management LLC	4.05%	1.69M	$23.97M
4	Renaissance Technologies, LLC	3.13%	1.31M	$18.55M
5	State Street Corporation	2.53%	1.06M	$14.97M
6	Geode Capital Management, LLC	2.22%	926.85K	$13.14M
7	American Century Companies Inc	2.06%	861.01K	$12.21M
8	Balyasny Asset Management LP	2.01%	838.57K	$11.89M
9	M3F, Inc.	1.86%	776.63K	$11.01M
10	Arrowstreet Capital, Limited Partnership	1.86%	777.40K	$11.02M

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NFBK · Financial Services