Northfield Bancorp (NFBK) AI Stock Analysis

• Market Cap: $468.28M
• Dividend Yield: 4.23%
• Average Volume (3M): 200.80K
• Price to Earnings (P/E): 11.5
• Beta (1Y): 1.03
• 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: 2.93
• Enterprise Value/Revenue: 5.26
• Enterprise Value/Gross Profit: 9.92
• Enterprise Value/Ebitda: 22.36
• 1Y Price Target: $12.00
• Price Target Upside: -2.28% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 72 Outperform
• Price Target: $12.50 ▲(1.79% Upside)

Northfield Bancorp's overall stock score is driven by its strong technical indicators and positive corporate events, which highlight recent earnings growth and shareholder value commitment. While the financial performance shows moderate health with some risks, the valuation remains attractive with a solid dividend yield. The absence of earnings call data did not impact the score.

Positive Factors

Net Interest Margin Improvement

The improvement in net interest margin indicates better profitability from core banking activities, enhancing long-term earnings potential.

Earnings Growth

Strong earnings growth reflects effective cost management and revenue enhancement strategies, supporting sustained financial performance.

Cash Flow Generation

Robust cash flow generation enhances liquidity and financial flexibility, enabling strategic investments and debt management.

Negative Factors

High Leverage

Increased leverage can strain financial stability and limit growth opportunities, posing a risk to long-term financial health.

Declining Operational Margins

Decreasing operational margins suggest potential inefficiencies, which could impact profitability and competitive positioning.

Low Cash Conversion Efficiency

Low cash conversion efficiency indicates challenges in translating earnings into cash, which may affect liquidity and operational flexibility.

Northfield Bancorp Business Overview & Revenue Model

Company Description

Northfield Bancorp, Inc. (NFBK) is a financial institution based in the United States, primarily engaged in providing a range of banking services through its subsidiaries. The company operates in the banking sector, focusing on retail banking, commercial lending, and mortgage banking services. NFBK offers various financial products, including savings accounts, checking accounts, loans, and mortgages, catering to both individual consumers and small to medium-sized businesses.

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: Positive
• Last Price: 12.28
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

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 12.28 is above the 20-day moving average (MA) of 11.03, above the 50-day MA of 10.80, and above the 200-day MA of 10.97, indicating a bullish trend. The MACD of 0.39 indicates Negative momentum. The RSI at 74.10 is Negative, neither overbought nor oversold. The STOCH value of 94.03 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for NFBK.

Northfield Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
TCBX	77 Outperform	$554.93M	12.15	12.88%	―	9.12%	45.83%
BHB	76 Outperform	$546.05M	14.10	7.37%	3.83%	4.26%	-16.52%
BSVN	75 Outperform	$415.95M	9.70	19.46%	2.35%	-6.72%	19.64%
NFBK	72 Outperform	$468.28M	11.49	5.56%	4.23%	6.08%	52.64%
NPB	71 Outperform	$542.62M	8.22	―	0.43%	18.10%	33.47%
CCNE	69 Neutral	$720.96M	12.33	6.51%	2.58%	11.13%	-15.28%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Northfield Bancorp Corporate Events

Northfield Bancorp to Present at Financial Conference

On November 11, 2025, Northfield Bancorp, Inc. will participate in the Piper Sandler Financial Services Conference in Miami, Florida. The company’s presentation will be accessible on their Investor Relations website starting November 10, 2025, and will remain available for 30 days, providing stakeholders with insights into the company’s operations and strategies.

Northfield Bancorp Reports Strong Q3 2025 Earnings Growth

Northfield Bancorp, Inc. reported a significant increase in net income for the third quarter of 2025, with earnings per share rising to $0.27 from $0.16 in the same quarter of 2024. The growth was driven by higher net interest income and a decrease in credit loss provisions, despite a modest decline in loan balances. The company declared a cash dividend of $0.13 per share, reflecting its commitment to delivering shareholder value.