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Northfield Bancorp
(NASDAQ:NFBK)
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Rating:57Neutral
Price Target:
$15.00
▲(23.46% Upside)
Action:Reiterated
Date:06/27/26
The score is held back primarily by weak profitability trends and a high P/E valuation. Offsetting factors include solid TTM cash generation, a reasonably stable balance sheet, and constructive technical momentum. Recent corporate developments (merger approval and improved quarterly results) provide additional support but do not fully overcome the earnings/valuation headwinds.
Positive Factors
Cash generation
TTM operating and free cash flow strength indicates the company converts reported earnings into cash reliably, supporting dividends, merger-related expenditures and capital needs. This durable cash generation provides financial flexibility and buffers profit volatility over the next several quarters.
Negative Factors
Weak profitability
A collapse in net margins and persistently low TTM profitability undermines the bank’s ability to build retained capital and sustain returns. Over months, weak margins limit reinvestment, constrain organic growth, and increase sensitivity to loan losses or funding cost increases.
Read all positive and negative factors
Positive Factors
Negative Factors
Cash generation
TTM operating and free cash flow strength indicates the company converts reported earnings into cash reliably, supporting dividends, merger-related expenditures and capital needs. This durable cash generation provides financial flexibility and buffers profit volatility over the next several quarters.
Read all positive factors
Northfield Bancorp (NFBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$607.25M
Dividend Yield4.38%
Average Volume (3M)200.80K
Price to Earnings (P/E)121.3
Beta (1Y)0.89
Revenue Growth6.67%
EPS Growth-84.79%
CountryUS
Employees357
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.12
Shares Outstanding41,763,996
10 Day Avg. Volume206,785
30 Day Avg. Volume200,802
Financial Highlights & Ratios
PEG Ratio-5.94
Price to Book (P/B)0.66
Price to Sales (P/S)2.49
P/FCF Ratio8.73
Enterprise Value/Market Cap2.44
Enterprise Value/Revenue5.58
Enterprise Value/Gross Profit9.76
Enterprise Value/Ebitda53.69
Forecast
1Y Price Target
$14.50Price Target Upside19.34% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)1.35
Revenue Forecast (FY)$166.92M
Northfield Bancorp Business Overview & Revenue Model
Company Description
Northfield Bancorp, Inc. acts as the holding company for Northfield Bank, providing a diverse array of financial services primarily to individual consumers and business clients. The institution offers a wide selection of deposit products, includin...
How the Company Makes Money
Northfield Bancorp primarily earns revenue through Northfield Bank’s core banking activities. The largest driver is typically net interest income: the bank collects interest and fees on loans (such as commercial real estate, residential real estat...
Northfield Bancorp Financial Statement Overview
Summary
Income Statement
42
Neutral
Balance Sheet
55
Neutral
Cash Flow
70
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 265.84M | 184.25M | 251.33M | 220.69M | 187.67M | 186.75M |
| Gross Profit | 151.98M | 65.12M | 123.34M | 135.76M | 162.87M | 175.98M |
| EBITDA | 27.62M | 25.02M | 48.80M | 60.29M | 93.30M | 105.61M |
| Net Income | 4.76M | 796.00K | 29.95M | 37.67M | 61.12M | 70.65M |
Balance Sheet | ||||||
| Total Assets | 5.74B | 5.75B | 5.67B | 5.60B | 5.60B | 5.43B |
| Cash, Cash Equivalents and Short-Term Investments | 11.62M | 905.28M | 1.27B | 1.02B | 997.97M | 1.30B |
| Total Debt | 892.25M | 991.52M | 760.05M | 861.20M | 684.64M | 461.61M |
| Total Liabilities | 5.04B | 5.06B | 4.96B | 4.90B | 4.90B | 4.69B |
| Stockholders Equity | 694.69M | 690.06M | 704.70M | 699.45M | 701.39M | 739.88M |
Cash Flow | ||||||
| Free Cash Flow | 62.97M | 52.55M | 29.95M | 43.37M | 80.78M | 63.12M |
| Operating Cash Flow | 64.05M | 53.70M | 31.11M | 46.97M | 83.33M | 64.76M |
| Investing Cash Flow | 59.47M | -128.35M | -118.49M | 193.87M | -280.21M | 85.00M |
| Financing Cash Flow | 14.43M | 70.86M | 25.62M | -57.13M | 151.61M | -146.23M |
Northfield Bancorp Technical Analysis
Neutral
12.15
Price Trends
14.34
Positive
13.87
Positive
12.57
Positive
Market Momentum
0.11
Positive
49.29
Neutral
29.69
Neutral
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 12.15 is below the 20-day moving average (MA) of 14.65, below the 50-day MA of 14.34, and below the 200-day MA of 12.57, indicating a neutral trend. The MACD of 0.11 indicates Positive momentum. The RSI at 49.29 is Neutral, neither overbought nor oversold. The STOCH value of 29.69 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for NFBK.
Northfield Bancorp Risk Analysis
Northfield Bancorp disclosed 53 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 |
|---|---|---|---|---|---|---|---|
82 Outperform | $487.58M | 10.95 | 18.18% | 2.40% | 0.80% | -1.33% | |
74 Outperform | $995.95M | 11.84 | 10.08% | 2.68% | 25.89% | 20.01% | |
71 Outperform | $661.19M | 8.69 | 12.61% | ― | 12.81% | 35.69% | |
70 Outperform | $622.81M | 15.16 | 7.81% | 3.92% | 10.98% | -14.11% | |
69 Neutral | $646.68M | 3.60 | 17.85% | 0.42% | 21.82% | 42.06% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
57 Neutral | $607.25M | 121.29 | 0.68% | 4.38% | 6.67% | -84.79% |
* Financial Sector Average
NFBK
Northfield Bancorp
14.54
3.28
29.08%
BHB
Bar Harbor Bankshares
37.20
6.64
21.74%
CCNE
Cnb Financial
33.62
9.97
42.17%
BSVN
Bank7
51.22
6.08
13.46%
TCBX
Third Coast Bancshares
39.85
2.88
7.79%
NPB
Northpointe Bancshares, Inc.
18.70
3.69
24.57%
Northfield Bancorp Corporate Events
Business Operations and StrategyM&A TransactionsShareholder Meetings
Northfield Shareholders Approve Merger with Columbia Financial
Positive
Jun 26, 2026
On June 25, 2026, Northfield Bancorp shareholders held a special meeting at which a quorum was achieved with 28,267,268 of 41,763,852 eligible shares represented. Investors approved the merger agreement with Columbia Financial, Inc. by a wide marg...
Business Operations and StrategyDividendsFinancial DisclosuresM&A Transactions
Northfield Bancorp Swings to Profit in First Quarter
Positive
Apr 21, 2026
Northfield Bancorp reported a sharp turnaround in its first-quarter 2026 results, released on April 20, 2026, posting net income of $11.8 million, or $0.30 per diluted share, versus a net loss of $27.4 million in the prior quarter and $7.9 million...
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.