Northfield Bancorp (NFBK) AI Stock Analysis

• Market Cap: $424.79M
• Dividend Yield: 4.78%
• Average Volume (3M): 200.80K
• Price to Earnings (P/E): 10.4
• Beta (1Y): 1.16
• Revenue Growth: 6.08%
• EPS Growth: 52.64%
• 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: 3.23
• Enterprise Value/Revenue: 5.26
• Enterprise Value/Gross Profit: 9.92
• Enterprise Value/Ebitda: 22.36
• 1Y Price Target: $12.00
• Price Target Upside: 10.19% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 63 Neutral
• Price Target: $12.00 ▲(10.19% 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.

Positive Factors

Profitability

Strong profitability metrics indicate efficient operations and effective cost management, which are crucial for long-term financial health.

Cash Flow

Robust cash flow growth enhances the company's ability to invest in growth opportunities and provides a buffer against economic downturns.

Balance Sheet Health

A conservative balance sheet with moderate leverage supports financial stability and flexibility, enabling strategic investments and risk management.

Negative Factors

Revenue Growth

Inconsistent revenue growth can hinder long-term strategic planning and investment, potentially impacting competitive positioning and market share.

Earnings Call Data

Lack of earnings call data limits transparency and investor insight into management's strategic vision and operational challenges.

Revenue Growth Trends

Inconsistent revenue growth trends may indicate challenges in market expansion or product adoption, affecting long-term business sustainability.

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 certificates of deposit, passbook, statement, and money market savings accounts; transaction deposit accounts comprising negotiable orders of withdrawal accounts, and interest and non-interest-bearing checking accounts; individual retirement accounts; and brokered deposits. The company also offers various loans comprising multifamily and other commercial real estate loans, construction and land loans, commercial and industrial loans, one-to-four family residential real estate loans, and home equity loans and lines of credit. In addition, it purchases various investment securities, such as mortgage-backed securities and corporate bonds; and deposits funds in other financial institutions, as well as holds mortgage loans, mortgage-backed securities, and other investments. As of December 31, 2021, the company operated 38 full-service banking offices in Staten Island and Brooklyn, New York; and Hunterdon, Middlesex, Mercer, and Union counties, New Jersey. Northfield Bancorp, Inc. (Staten Island, NY) was founded in 1887 and is headquartered in Woodbridge, New Jersey.

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 bank also earns interest on its investment securities. Additionally, Northfield Bancorp collects fees for various banking services, such as account maintenance, ATM services, and transaction fees. The company may engage in partnerships with other financial institutions or service providers to enhance its product offerings and expand its market reach, contributing positively to its overall earnings. Other factors influencing revenue include the management of interest rates and the bank's lending practices, which can affect net interest margins.

Northfield Bancorp Financial Statement Overview

Summary

Northfield Bancorp demonstrates moderate financial health with stable revenue growth and improved net profit margins. However, declining operational margins and high leverage pose potential risks. The company shows strong cash flow generation, which is a positive indicator for liquidity and financial flexibility. Overall, while there are strengths in profitability and cash flow, the high debt levels and declining operational efficiency warrant caution.

Income Statement

Northfield Bancorp's income statement shows moderate performance with a stable revenue growth rate of 1.53% TTM. The gross profit margin is healthy at 50.54%, but there has been a decline from previous years. Net profit margin has improved to 13.74% TTM, indicating better profitability. However, EBIT and EBITDA margins have decreased over time, suggesting potential operational efficiency issues.

Balance Sheet

The balance sheet reflects a high debt-to-equity ratio of 1.30 TTM, indicating increased leverage and potential risk. Return on equity is relatively low at 4.99% TTM, showing limited profitability from equity. The equity ratio is not explicitly calculated, but the high leverage suggests a lower proportion of equity in the asset base.

Cash Flow

Cash flow analysis reveals a strong free cash flow growth rate of 20.47% TTM, indicating improved cash generation. The operating cash flow to net income ratio is low at 0.01, suggesting limited cash conversion efficiency. However, the free cash flow to net income ratio is high at 0.98, reflecting strong cash flow relative to net income.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	261.06M	251.33M	220.69M	187.67M	186.75M	179.62M
Gross Profit	138.47M	123.34M	135.76M	162.87M	175.98M	128.54M
EBITDA	61.43M	48.80M	60.29M	93.30M	105.61M	58.72M
Net Income	39.45M	29.95M	37.67M	61.12M	70.65M	36.99M
Balance Sheet
Total Assets	5.73B	5.67B	5.60B	5.60B	5.43B	5.51B
Cash, Cash Equivalents and Short-Term Investments	1.34B	1.27B	1.02B	997.97M	1.30B	1.35B
Total Debt	0.00	760.05M	861.20M	684.64M	461.61M	634.52M
Total Liabilities	5.01B	4.96B	4.90B	4.90B	4.69B	4.76B
Stockholders Equity	719.60M	704.70M	699.45M	701.39M	739.88M	753.98M
Cash Flow
Free Cash Flow	42.42M	29.95M	43.37M	80.78M	63.12M	52.16M
Operating Cash Flow	43.47M	31.11M	46.97M	83.33M	64.76M	55.21M
Investing Cash Flow	-96.23M	-118.49M	193.87M	-280.21M	85.00M	-131.93M
Financing Cash Flow	-48.44M	25.62M	-57.13M	151.61M	-146.23M	16.44M

Northfield Bancorp Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 10.89
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For NFBK, the sentiment is Neutral. The current price of 10.89 is above the 20-day moving average (MA) of 10.33, above the 50-day MA of 10.82, and below the 200-day MA of 10.95, indicating a neutral trend. The MACD of -0.01 indicates Negative momentum. The RSI at 58.82 is Neutral, neither overbought nor oversold. The STOCH value of 83.86 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for NFBK.

Northfield Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BSVN	75 Outperform	$397.04M	9.26	19.46%	2.36%	-6.72%	19.64%
NPB	71 Outperform	$542.62M	8.22	―	0.43%	18.10%	33.47%
BHB	68 Neutral	$500.16M	12.92	7.37%	4.20%	4.26%	-16.52%
TCBX	68 Neutral	$532.98M	11.66	12.88%	―	9.12%	45.83%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CCNE	66 Neutral	$720.96M	12.33	6.51%	2.75%	11.13%	-15.28%
NFBK	63 Neutral	$424.79M	10.42	5.56%	4.78%	6.08%	52.64%

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.