Northfield Bancorp (NFBK)
NASDAQ:NFBK
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Northfield Bancorp
(NASDAQ:NFBK)
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Rating:49Neutral
Price Target:
$13.50
▲(11.11% Upside)
Action:ReiteratedDate:03/03/26
The score is held down primarily by sharply weaker 2025 profitability and higher leverage, plus an extremely high P/E that reflects depressed earnings. Partly offsetting these are improved operating cash flow, a moderate upward technical trend (price above key longer-term averages), and corporate events that include a potentially favorable acquisition backdrop alongside impairment-driven volatility.
Positive Factors
Resilient cash generation
Sustained improvement in operating cash flow and strong free cash flow growth indicate the franchise converts earnings to cash reliably. That cash capacity supports dividends, funding of operations, potential de-leveraging or integration costs from strategic transactions over the next several quarters.
Negative Factors
Sharp revenue and margin deterioration
A large, persistent decline in revenue and collapse of net margin signal weakened core profitability and pressure on the bank's business model. If underlying revenue trends persist, capacity to rebuild capital, fund growth or sustain dividends will be constrained over multiple quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Resilient cash generation
Sustained improvement in operating cash flow and strong free cash flow growth indicate the franchise converts earnings to cash reliably. That cash capacity supports dividends, funding of operations, potential de-leveraging or integration costs from strategic transactions over the next several quarters.
Read all positive factors
Northfield Bancorp (NFBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$580.52M
Dividend Yield4.38%
Average Volume (3M)200.80K
Price to Earnings (P/E)576.0
Beta (1Y)0.95
Revenue Growth6.08%
EPS Growth52.64%
CountryUS
Employees357
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)-0.69
Shares Outstanding41,763,996
10 Day Avg. Volume206,785
30 Day Avg. Volume200,802
Financial Highlights & Ratios
PEG Ratio-5.92
Price to Book (P/B)0.66
Price to Sales (P/S)2.49
P/FCF Ratio8.79
Enterprise Value/Market Cap2.68
Enterprise Value/Revenue8.45
Enterprise Value/Gross Profit23.92
Enterprise Value/Ebitda62.28
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)1.2
Revenue Forecast (FY)$161.92M
Northfield Bancorp Business Overview & Revenue Model
Company Description
Northfield Bancorp, Inc. (Staten Island, NY) operates as the bank holding company for Northfield Bank that provides various banking services primarily to individuals and corporate customers. It accepts various deposits products, including certific...
How the Company Makes Money
Northfield Bancorp generates revenue through several key streams. The primary source of income is the interest earned from loans provided to customers, which includes residential mortgages, commercial real estate loans, and consumer loans. The ban...
Northfield Bancorp Financial Statement Overview
Summary
Income Statement
38
Negative
Balance Sheet
45
Neutral
Cash Flow
60
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 184.25M | 251.33M | 220.69M | 187.67M | 186.75M |
| Gross Profit | 65.12M | 123.34M | 135.76M | 162.87M | 175.98M |
| EBITDA | 25.02M | 48.80M | 60.29M | 93.30M | 105.61M |
| Net Income | 796.00K | 29.95M | 37.67M | 61.12M | 70.65M |
Balance Sheet | |||||
| Total Assets | 5.75B | 5.67B | 5.60B | 5.60B | 5.43B |
| Cash, Cash Equivalents and Short-Term Investments | 1.42B | 1.27B | 1.02B | 997.97M | 1.30B |
| Total Debt | 991.52M | 760.05M | 861.20M | 684.64M | 461.61M |
| Total Liabilities | 5.06B | 4.96B | 4.90B | 4.90B | 4.69B |
| Stockholders Equity | 690.06M | 704.70M | 699.45M | 701.39M | 739.88M |
Cash Flow | |||||
| Free Cash Flow | 52.19M | 29.95M | 43.37M | 80.78M | 63.12M |
| Operating Cash Flow | 53.70M | 31.11M | 46.97M | 83.33M | 64.76M |
| Investing Cash Flow | -128.35M | -118.49M | 193.87M | -280.21M | 85.00M |
| Financing Cash Flow | 70.86M | 25.62M | -57.13M | 151.61M | -146.23M |
Northfield Bancorp Technical Analysis
Positive
12.15
Price Trends
13.48
Positive
12.47
Positive
11.72
Positive
Market Momentum
0.19
Negative
61.66
Neutral
73.33
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For NFBK, the sentiment is Positive. The current price of 12.15 is below the 20-day moving average (MA) of 13.56, below the 50-day MA of 13.48, and above the 200-day MA of 11.72, indicating a bullish trend. The MACD of 0.19 indicates Negative momentum. The RSI at 61.66 is Neutral, neither overbought nor oversold. The STOCH value of 73.33 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for NFBK.
Northfield Bancorp Risk Analysis
Northfield Bancorp disclosed 52 risk factors in its most recent earnings report. Northfield Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Northfield Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $408.57M | 7.88 | 19.46% | 2.40% | -6.72% | 19.64% | |
72 Outperform | $916.91M | 9.76 | 8.88% | 2.68% | 11.13% | -15.28% | |
71 Outperform | $685.64M | 7.91 | 13.12% | ― | 9.12% | 45.83% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | $585.47M | 14.04 | 7.42% | 3.92% | 4.26% | -16.52% | |
60 Neutral | $646.76M | 2.92 | 21.01% | 0.42% | 18.10% | 33.47% | |
49 Neutral | $580.52M | 576.05 | 0.11% | 4.38% | 6.08% | 52.64% |
* Financial Sector Average
NFBK
Northfield Bancorp
13.85
4.62
50.01%
BHB
Bar Harbor Bankshares
34.96
8.02
29.75%
CCNE
Cnb Financial
30.88
10.61
52.37%
BSVN
Bank7
43.95
8.94
25.53%
TCBX
Third Coast Bancshares
41.56
12.86
44.81%
NPB
Northpointe Bancshares, Inc.
19.00
6.78
55.42%
Northfield Bancorp Corporate Events
Business Operations and StrategyExecutive/Board Changes
Northfield Bancorp approves 2026 incentive and equity awards
Positive
Feb 6, 2026
On February 4, 2026, Northfield Bancorp, Inc.’s Compensation Committee and Board of Directors approved grants totaling 172,272 restricted stock units to directors and employees under the company’s 2019 Equity Incentive Plan, with emplo...
Business Operations and StrategyDividendsFinancial DisclosuresM&A Transactions
Northfield Bancorp Reports Q4 Loss, Declares Cash Dividend
Negative
Feb 3, 2026
On February 2, 2026, Northfield Bancorp, Inc. reported a net loss of $27.4 million, or $0.69 per share, for the fourth quarter of 2025 and net income of $796,000, or $0.02 per diluted share, for the full year 2025, sharply lower than 2024 earnings...
Business Operations and StrategyExecutive/Board ChangesM&A Transactions
Northfield Bancorp to Be Acquired by Columbia Financial
Positive
Feb 2, 2026
On January 31, 2026, Northfield Bancorp entered into a merger agreement under which it will be acquired by Columbia Financial, Inc., concurrent with Columbia’s conversion from a mutual holding company to a fully public stock holding company ...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.