Northfield Bancorp (NFBK)
NASDAQ:NFBK
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Northfield Bancorp
(NASDAQ:NFBK)
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Rating:63Neutral
Price Target:
$15.00
▲(23.46% Upside)
Action:Reiterated
Date:05/14/26
The score is held back primarily by weakened profitability and very low recent returns on equity, despite solid cash flow. Offsetting factors include a constructive technical setup, reasonable valuation with a ~3.7% dividend yield, and a positive corporate update showing improved net interest margin and solid asset quality.
Positive Factors
Improving net interest margin and deposit mix
A sustained improvement in NIM and a material shift into lower-cost core deposits bolster the bank's primary earnings engine. Higher margin on loans and cheaper funding increase durable net interest income, supporting profitability resilience and funding stability over the next several quarters.
Negative Factors
Sharply weakened profitability and very low ROE
Substantially compressed margins and near-zero ROE undermine the bank's ability to accumulate capital and finance growth internally. Persistently weak profitability increases sensitivity to credit or funding shocks and makes recovery dependent on sustained margin and revenue improvement.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving net interest margin and deposit mix
A sustained improvement in NIM and a material shift into lower-cost core deposits bolster the bank's primary earnings engine. Higher margin on loans and cheaper funding increase durable net interest income, supporting profitability resilience and funding stability over the next several quarters.
Read all positive factors
Northfield Bancorp (NFBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$595.55M
Dividend Yield4.38%
Average Volume (3M)200.80K
Price to Earnings (P/E)118.4
Beta (1Y)0.90
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-5.92
Price to Book (P/B)0.66
Price to Sales (P/S)2.49
P/FCF Ratio8.73
Enterprise Value/Market Cap2.48
Enterprise Value/Revenue5.55
Enterprise Value/Gross Profit9.71
Enterprise Value/Ebitda57.50
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. (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 primarily earns money through its banking subsidiary by (1) generating net interest income and (2) collecting non-interest income. Net interest income is the largest driver for most community banks and comes from the spread betw...
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 | 25.67M | 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 | 62.58M | 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
Positive
12.15
Price Trends
13.78
Positive
13.23
Positive
12.11
Positive
Market Momentum
0.13
Positive
58.24
Neutral
69.04
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 14.07, below the 50-day MA of 13.78, and above the 200-day MA of 12.11, indicating a bullish trend. The MACD of 0.13 indicates Positive momentum. The RSI at 58.24 is Neutral, neither overbought nor oversold. The STOCH value of 69.04 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 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 |
|---|---|---|---|---|---|---|---|
78 Outperform | $422.56M | 9.39 | 18.18% | 2.40% | 0.80% | -1.33% | |
76 Outperform | $912.57M | 11.08 | 10.08% | 2.68% | 25.89% | 20.01% | |
70 Outperform | $582.79M | 14.52 | 7.81% | 3.92% | 10.98% | -14.11% | |
69 Neutral | $597.23M | 2.92 | 17.85% | 0.42% | 21.82% | 42.06% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $635.81M | 7.65 | 12.61% | ― | 12.81% | 35.69% | |
63 Neutral | $595.55M | 118.45 | 0.68% | 4.38% | 6.67% | -84.79% |
* Financial Sector Average
NFBK
Northfield Bancorp
14.18
3.17
28.84%
BHB
Bar Harbor Bankshares
34.94
7.54
27.53%
CCNE
Cnb Financial
30.67
9.68
46.10%
BSVN
Bank7
44.26
6.26
16.49%
TCBX
Third Coast Bancshares
38.26
7.55
24.58%
NPB
Northpointe Bancshares, Inc.
17.08
4.17
32.35%
Northfield Bancorp Corporate Events
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.