NORTHFIELD BANCORP INC (NFBK) Stock Fundamental Analysis

NASDAQ:NFBK • US66611T1088

13.34 USD
-0.22 (-1.62%)
At close: Feb 27, 2026
13.34 USD
0 (0%)
After Hours: 2/27/2026, 8:22:46 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Taking everything into account, NFBK scores 3 out of 10 in our fundamental rating. NFBK was compared to 379 industry peers in the Banks industry. NFBK may be in some trouble as it scores bad on both profitability and health. NFBK has a correct valuation and a medium growth rate. NFBK also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • In the past year NFBK was profitable.
  • In the past year NFBK had a positive cash flow from operations.
  • NFBK had positive earnings in 4 of the past 5 years.
  • NFBK had a positive operating cash flow in 4 of the past 5 years.
NFBK Yearly Net Income VS EBIT VS OCF VS FCFNFBK Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.69%, NFBK is doing worse than 68.60% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 5.48%, NFBK is doing worse than 74.93% of the companies in the same industry.
Industry RankSector Rank
ROA 0.69%
ROE 5.48%
ROIC N/A
ROA(3y)0.76%
ROA(5y)0.85%
ROE(3y)6.12%
ROE(5y)6.56%
ROIC(3y)N/A
ROIC(5y)N/A
NFBK Yearly ROA, ROE, ROICNFBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

  • NFBK's Profit Margin of 26.36% is fine compared to the rest of the industry. NFBK outperforms 61.74% of its industry peers.
  • In the last couple of years the Profit Margin of NFBK has declined.
  • The Operating Margin and Gross Margin are not available for NFBK so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 26.36%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-18.13%
PM growth 5Y-6.41%
GM growth 3YN/A
GM growth 5YN/A
NFBK Yearly Profit, Operating, Gross MarginsNFBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

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ROAROEROICOperating and Profit MarginShow most profitable peers

0

2. Health

2.1 Basic Checks

  • NFBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • There is no outstanding debt for NFBK. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
NFBK Yearly Shares OutstandingNFBK Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
NFBK Yearly Total Debt VS Total AssetsNFBK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B

2.2 Solvency

  • NFBK has a debt to FCF ratio of 22.20. This is a negative value and a sign of low solvency as NFBK would need 22.20 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 22.20, NFBK is doing worse than 82.85% of the companies in the same industry.
  • NFBK has a Debt/Equity ratio of 1.31. This is a high value indicating a heavy dependency on external financing.
  • With a Debt to Equity ratio value of 1.31, NFBK is not doing good in the industry: 86.28% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 1.31
Debt/FCF 22.2
Altman-Z N/A
ROIC/WACCN/A
WACC11.09%
NFBK Yearly LT Debt VS Equity VS FCFNFBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
NFBK Yearly Current Assets VS Current LiabilitesNFBK Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 62.50% over the past year.
  • The Earnings Per Share has been growing slightly by 4.36% on average over the past years.
EPS 1Y (TTM)62.5%
EPS 3Y-7.64%
EPS 5Y4.36%
EPS Q2Q%78.95%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%23.52%

3.2 Future

  • Based on estimates for the next years, NFBK will show a quite strong growth in Earnings Per Share. The EPS will grow by 15.07% on average per year.
  • Based on estimates for the next years, NFBK will show a quite strong growth in Revenue. The Revenue will grow by 8.60% on average per year.
EPS Next Y17.69%
EPS Next 2Y15.07%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.94%
Revenue Next 2Y8.6%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
NFBK Yearly Revenue VS EstimatesNFBK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M
NFBK Yearly EPS VS EstimatesNFBK Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1

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5

4. Valuation

4.1 Price/Earnings Ratio

  • NFBK is valuated correctly with a Price/Earnings ratio of 12.83.
  • Compared to the rest of the industry, the Price/Earnings ratio of NFBK is on the same level as its industry peers.
  • When comparing the Price/Earnings ratio of NFBK to the average of the S&P500 Index (27.07), we can say NFBK is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 10.90, the valuation of NFBK can be described as reasonable.
  • NFBK's Price/Forward Earnings is on the same level as the industry average.
  • NFBK is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.05, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.83
Fwd PE 10.9
NFBK Price Earnings VS Forward Price EarningsNFBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • NFBK's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 13.13
EV/EBITDA N/A
NFBK Per share dataNFBK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • NFBK's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • NFBK's earnings are expected to grow with 15.07% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.72
PEG (5Y)2.94
EPS Next 2Y15.07%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. Dividend

5.1 Amount

  • NFBK has a Yearly Dividend Yield of 3.83%. Purely for dividend investing, there may be better candidates out there.
  • NFBK's Dividend Yield is rather good when compared to the industry average which is at 2.73. NFBK pays more dividend than 80.47% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, NFBK pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.83%

5.2 History

  • The dividend of NFBK has a limited annual growth rate of 4.08%.
  • NFBK has been paying a dividend for at least 10 years, so it has a reliable track record.
  • NFBK has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)4.08%
Div Incr Years0
Div Non Decr Years12
NFBK Yearly Dividends per shareNFBK Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

  • 54.01% of the earnings are spent on dividend by NFBK. This is a bit on the high side, but may be sustainable.
  • NFBK's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP54.01%
EPS Next 2Y15.07%
EPS Next 3YN/A
NFBK Yearly Income VS Free CF VS DividendNFBK Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
NFBK Dividend Payout.NFBK Dividend Payout, showing the Payout Ratio.NFBK Dividend Payout.PayoutRetained Earnings

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NORTHFIELD BANCORP INC

NASDAQ:NFBK (2/27/2026, 8:22:46 PM)

After market: 13.34 0 (0%)

13.34

-0.22 (-1.62%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-03
Earnings (Next)04-21
Inst Owners60.19%
Inst Owner Change-0.37%
Ins Owners5.06%
Ins Owner Change1.69%
Market Cap557.08M
Revenue(TTM)N/A
Net Income(TTM)39.45M
Analysts43.33
Price Target14.79 (10.87%)
Short Float %1.23%
Short Ratio1.64
Dividend
Industry RankSector Rank
Dividend Yield 3.83%
Yearly Dividend0.5
Dividend Growth(5Y)4.08%
DP54.01%
Div Incr Years0
Div Non Decr Years12
Ex-Date02-12
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.35%
Min EPS beat(2)4.81%
Max EPS beat(2)5.88%
EPS beat(4)4
Avg EPS beat(4)4.95%
Min EPS beat(4)3.49%
Max EPS beat(4)5.88%
EPS beat(8)6
Avg EPS beat(8)3.73%
EPS beat(12)7
Avg EPS beat(12)0.53%
EPS beat(16)11
Avg EPS beat(16)2.94%
Revenue beat(2)1
Avg Revenue beat(2)0.36%
Min Revenue beat(2)-1.15%
Max Revenue beat(2)1.87%
Revenue beat(4)2
Avg Revenue beat(4)-0.44%
Min Revenue beat(4)-2.64%
Max Revenue beat(4)1.87%
Revenue beat(8)3
Avg Revenue beat(8)-2.11%
Revenue beat(12)4
Avg Revenue beat(12)-2.97%
Revenue beat(16)8
Avg Revenue beat(16)-0.77%
PT rev (1m)20.83%
PT rev (3m)20.83%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 12.83
Fwd PE 10.9
P/S 3.72
P/FCF 13.13
P/OCF 12.82
P/B 0.77
P/tB 0.82
EV/EBITDA N/A
EPS(TTM)1.04
EY7.8%
EPS(NY)1.22
Fwd EY9.18%
FCF(TTM)1.02
FCFY7.61%
OCF(TTM)1.04
OCFY7.8%
SpS3.58
BVpS17.23
TBVpS16.25
PEG (NY)0.72
PEG (5Y)2.94
Graham Number20.08
Profitability
Industry RankSector Rank
ROA 0.69%
ROE 5.48%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.36%
GM N/A
FCFM 28.34%
ROA(3y)0.76%
ROA(5y)0.85%
ROE(3y)6.12%
ROE(5y)6.56%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-18.13%
PM growth 5Y-6.41%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 1.31
Debt/FCF 22.2
Debt/EBITDA N/A
Cap/Depr -623.21%
Cap/Sales 0.7%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 107.53%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC11.09%
ROIC/WACCN/A
Cap/Depr(3y)64.44%
Cap/Depr(5y)61.57%
Cap/Sales(3y)1.68%
Cap/Sales(5y)1.64%
Profit Quality(3y)115.78%
Profit Quality(5y)115.52%
High Growth Momentum
Growth
EPS 1Y (TTM)62.5%
EPS 3Y-7.64%
EPS 5Y4.36%
EPS Q2Q%78.95%
EPS Next Y17.69%
EPS Next 2Y15.07%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%23.52%
Revenue Next Year10.94%
Revenue Next 2Y8.6%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-23.18%
FCF growth 3Y-22%
FCF growth 5Y-8.82%
OCF growth 1Y-24.6%
OCF growth 3Y-21.69%
OCF growth 5Y-9.47%

NORTHFIELD BANCORP INC / NFBK FAQ

What is the fundamental rating for NFBK stock?

ChartMill assigns a fundamental rating of 3 / 10 to NFBK.


What is the valuation status of NORTHFIELD BANCORP INC (NFBK) stock?

ChartMill assigns a valuation rating of 5 / 10 to NORTHFIELD BANCORP INC (NFBK). This can be considered as Fairly Valued.


What is the profitability of NFBK stock?

NORTHFIELD BANCORP INC (NFBK) has a profitability rating of 2 / 10.


What is the financial health of NORTHFIELD BANCORP INC (NFBK) stock?

The financial health rating of NORTHFIELD BANCORP INC (NFBK) is 0 / 10.


Can you provide the expected EPS growth for NFBK stock?

The Earnings per Share (EPS) of NORTHFIELD BANCORP INC (NFBK) is expected to grow by 17.69% in the next year.