Northfield Bancorp (NFBK) AI Stock Analysis

• Market Cap: $444.86M
• Dividend Yield: 4.68%
• Average Volume (3M): 200.80K
• Price to Earnings (P/E): 12.3
• Beta (1Y): 1.16
• Revenue Growth: 7.66%
• EPS Growth: 28.75%
• Country: US
• Employees: 357
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.27
• Shares Outstanding: 41,810,524
• 10 Day Avg. Volume: 206,785
• 30 Day Avg. Volume: 200,802
• PEG Ratio: -0.99
• Price to Book (P/B): 0.69
• Price to Sales (P/S): 1.92
• P/FCF Ratio: 16.13
• Enterprise Value/Market Cap: 3.09
• Enterprise Value/Revenue: 5.36
• Enterprise Value/Gross Profit: 10.60
• Enterprise Value/Ebitda: 24.71
• 1Y Price Target: $12.00
• Price Target Upside: 8.01% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 63 Neutral
• Price Target: $12.00 ▲(8.01% Upside)

Northfield Bancorp's overall stock score is driven by moderate financial performance and a fair valuation with a strong dividend yield. While the company shows strengths in cash flow generation and profitability, high leverage and declining operational efficiency pose risks. Technical analysis indicates mixed signals, with no strong trend evident.

Northfield Bancorp Business Overview & Revenue Model

Company Description

Northfield Bancorp (NFBK) is a financial institution based in the United States, primarily engaged in providing a wide range of banking and financial services. Operating through its principal subsidiary, Northfield Bank, the company serves individuals, businesses, and communities across its geographical footprint, which includes New York and New Jersey. NFBK offers various products including commercial and residential mortgages, consumer loans, and deposit accounts, while also providing services such as wealth management and online banking.

How the Company Makes Money

Northfield Bancorp generates revenue primarily through interest income from loans and interest-earning assets. The company's key revenue streams include interest on residential and commercial mortgage loans, consumer loans, and investment securities. Additionally, NFBK earns non-interest income from various sources such as service fees associated with deposit accounts, wealth management services, and transaction-based fees. The bank's ability to manage its interest rate spread effectively is crucial for profitability. Furthermore, partnerships with local businesses and community organizations enhance its service offerings and customer base, contributing to its overall earnings.

Northfield Bancorp Financial Statement Overview

Summary

Northfield Bancorp demonstrates solid profitability with a stable gross profit margin of 71.24% and a healthy net profit margin of 14.45%. The balance sheet is conservative, with a moderate debt-to-equity ratio of 1.13 and an equity ratio of 12.45%. Cash flow is strong, with a free cash flow growth of 17.96%, although revenue growth is inconsistent.

Income Statement

The TTM data shows a stable gross profit margin at 71.24%, while the net profit margin is healthy at 14.45%. Revenue growth is inconsistent, with a decrease from the previous period. The EBIT margin remains solid at 18.89%, but EBITDA margin data is not available for prior periods, making trend analysis difficult.

Balance Sheet

The company's debt-to-equity ratio is moderate at 1.13, indicating a balanced approach to leverage. Return on equity is 4.44%, reflecting moderate profitability. The equity ratio of 12.45% suggests a conservative capital structure, typical for regional banks.

Cash Flow

Free cash flow growth is strong, with a TTM increase of 17.96%. The operating cash flow to net income ratio is 1.15, indicating good cash conversion. However, the free cash flow to net income ratio is slightly lower at 1.12, presenting potential challenges in maintaining cash flow stability.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	256.28M	251.33M	220.69M	187.67M	186.75M	179.62M
Gross Profit	129.53M	123.34M	135.21M	162.87M	175.98M	128.54M
EBITDA	55.57M	48.80M	60.29M	93.30M	105.61M	58.72M
Net Income	35.22M	29.95M	37.67M	61.12M	70.65M	36.99M
Balance Sheet
Total Assets	5.68B	5.67B	5.60B	5.60B	5.43B	5.51B
Cash, Cash Equivalents and Short-Term Investments	1.40B	1.27B	1.02B	997.97M	1.30B	1.35B
Total Debt	923.76M	760.05M	861.20M	684.64M	461.61M	634.52M
Total Liabilities	4.97B	4.96B	4.90B	4.90B	4.69B	4.76B
Stockholders Equity	710.27M	704.70M	699.45M	701.39M	739.88M	753.98M
Cash Flow
Free Cash Flow	42.57M	29.95M	43.37M	80.78M	63.12M	52.16M
Operating Cash Flow	43.51M	31.11M	46.97M	83.33M	64.76M	55.21M
Investing Cash Flow	14.91M	-118.49M	193.87M	-280.21M	85.00M	-131.93M
Financing Cash Flow	-114.27M	25.62M	-57.13M	151.61M	-146.23M	16.44M

Northfield Bancorp Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 11.11
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For NFBK, the sentiment is Negative. The current price of 11.11 is below the 20-day moving average (MA) of 11.34, below the 50-day MA of 11.52, and below the 200-day MA of 11.19, indicating a bearish trend. The MACD of -0.19 indicates Positive momentum. The RSI at 46.15 is Neutral, neither overbought nor oversold. The STOCH value of 54.82 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for NFBK.

Northfield Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
TCBX	79 Outperform	$550.84M	13.05	12.21%	―	10.44%	62.82%
BSVN	75 Outperform	$406.86M	9.49	19.46%	2.32%	-6.72%	19.64%
BHB	71 Outperform	$492.31M	12.74	7.37%	4.20%	4.26%	-16.52%
CCNE	71 Outperform	$713.59M	10.19	9.27%	2.95%	7.40%	2.01%
NPB	70 Outperform	$573.89M	―	―	0.45%	―	―
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
NFBK	63 Neutral	$444.86M	12.32	5.02%	4.68%	7.66%	28.75%

Northfield Bancorp Corporate Events

Northfield Bancorp Reports Strong Q2 2025 Earnings Growth

Northfield Bancorp, Inc., a holding company for Northfield Bank, operates primarily in the financial services sector, offering a range of banking services through its branches in New York and New Jersey.

Northfield Bancorp Reports Strong Q2 2025 Financial Results

Northfield Bancorp, Inc. reported strong financial results for the second quarter of 2025, with a notable increase in net income and earnings per share compared to previous periods. The company achieved a higher net interest margin due to lower funding costs and increased yields on interest-earning assets, alongside improved asset quality and successful completion of a stock repurchase plan. A quarterly cash dividend was declared, reflecting the company’s robust capital management and strategic initiatives.

The most recent analyst rating on (NFBK) stock is a Buy with a $14.00 price target. To see the full list of analyst forecasts on Northfield Bancorp stock, see the NFBK Stock Forecast page.