10.52 USD
-0.05 (-0.47%)
10.52 USD
0 (0%)
Overall NFBK gets a fundamental rating of 4 out of 10. We evaluated NFBK against 387 industry peers in the Banks industry. NFBK may be in some trouble as it scores bad on both profitability and health. NFBK is not valued too expensively and it also shows a decent growth rate. NFBK also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
NFBK had positive earnings in the past year.
NFBK had a positive operating cash flow in the past year.
NFBK had positive earnings in each of the past 5 years.
NFBK had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a Return On Assets value of 0.69%, NFBK is not doing good in the industry: 65.63% of the companies in the same industry are doing better.
NFBK has a Return On Equity of 5.48%. This is in the lower half of the industry: NFBK underperforms 74.94% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
NFBK has a Profit Margin of 26.36%. This is in the better half of the industry: NFBK outperforms 62.79% of its industry peers.
NFBK's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for NFBK so they could not be analyzed.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
NFBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for NFBK has been reduced compared to 1 year ago.
Compared to 5 years ago, NFBK has less shares outstanding
NFBK has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of NFBK is 22.20, which is on the high side as it means it would take NFBK, 22.20 years of fcf income to pay off all of its debts.
NFBK's Debt to FCF ratio of 22.20 is on the low side compared to the rest of the industry. NFBK is outperformed by 82.69% of its industry peers.
A Debt/Equity ratio of 1.31 is on the high side and indicates that NFBK has dependencies on debt financing.
The Debt to Equity ratio of NFBK (1.31) is worse than 86.56% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.31 | ||
| Debt/FCF | 22.2 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.52%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 39.06% over the past year.
The Earnings Per Share has been decreasing by -5.52% on average over the past years.
NFBK shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 17.69%.
NFBK shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 0.73% yearly.
EPS 1Y (TTM)39.06%
EPS 3Y-23.86%
EPS 5Y-5.52%
EPS Q2Q%68.75%
Revenue 1Y (TTM)17.69%
Revenue growth 3Y-8.27%
Revenue growth 5Y0.73%
Sales Q2Q%22.26%
3.2 Future
Based on estimates for the next years, NFBK will show a very strong growth in Earnings Per Share. The EPS will grow by 29.10% 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 11.97% on average per year.
EPS Next Y56.19%
EPS Next 2Y38.29%
EPS Next 3Y29.1%
EPS Next 5YN/A
Revenue Next Year19.67%
Revenue Next 2Y13.24%
Revenue Next 3Y11.97%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 11.82, the valuation of NFBK can be described as reasonable.
NFBK's Price/Earnings is on the same level as the industry average.
NFBK is valuated cheaply when we compare the Price/Earnings ratio to 25.65, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 8.59 indicates a reasonable valuation of NFBK.
72.09% of the companies in the same industry are more expensive than NFBK, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 34.45. NFBK is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.82 | ||
| Fwd PE | 8.59 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as NFBK.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.37 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as NFBK's earnings are expected to grow with 29.10% in the coming years.
PEG (NY)0.21
PEG (5Y)N/A
EPS Next 2Y38.29%
EPS Next 3Y29.1%
5. Dividend
5.1 Amount
NFBK has a Yearly Dividend Yield of 5.10%, which is a nice return.
Compared to an average industry Dividend Yield of 3.33, NFBK pays a better dividend. On top of this NFBK pays more dividend than 89.66% of the companies listed in the same industry.
NFBK's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.1% |
5.2 History
The dividend of NFBK has a limited annual growth rate of 4.08%.
NFBK has paid a dividend for at least 10 years, which is 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
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 2Y38.29%
EPS Next 3Y29.1%
10.52
-0.05 (-0.47%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners59.49%
Inst Owner Change1.81%
Ins Owners5.06%
Ins Owner Change-0.32%
Market Cap439.84M
Revenue(TTM)149.66M
Net Income(TTM)39.45M
Analysts43.33
Price Target12.24 (16.35%)
Short Float %1.26%
Short Ratio2.33
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.1% |
Yearly Dividend0.5
Dividend Growth(5Y)4.08%
DP54.01%
Div Incr Years0
Div Non Decr Years12
Ex-Date
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)2.13%
PT rev (3m)2.13%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)2.08%
EPS NY rev (3m)1.03%
Revenue NQ rev (1m)-0.76%
Revenue NQ rev (3m)-7.01%
Revenue NY rev (1m)1.28%
Revenue NY rev (3m)1.28%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.82 | ||
| Fwd PE | 8.59 | ||
| P/S | 2.94 | ||
| P/FCF | 10.37 | ||
| P/OCF | 10.12 | ||
| P/B | 0.61 | ||
| P/tB | 0.65 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.89
EY8.46%
EPS(NY)1.22
Fwd EY11.63%
FCF(TTM)1.01
FCFY9.64%
OCF(TTM)1.04
OCFY9.88%
SpS3.58
BVpS17.21
TBVpS16.23
PEG (NY)0.21
PEG (5Y)N/A
Graham Number18.56
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC11.52%
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)39.06%
EPS 3Y-23.86%
EPS 5Y-5.52%
EPS Q2Q%68.75%
EPS Next Y56.19%
EPS Next 2Y38.29%
EPS Next 3Y29.1%
EPS Next 5YN/A
Revenue 1Y (TTM)17.69%
Revenue growth 3Y-8.27%
Revenue growth 5Y0.73%
Sales Q2Q%22.26%
Revenue Next Year19.67%
Revenue Next 2Y13.24%
Revenue Next 3Y11.97%
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 4 / 10 to NFBK.
What is the valuation status for NFBK stock?
ChartMill assigns a valuation rating of 6 / 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 3 / 10.
How financially healthy is NORTHFIELD BANCORP INC?
The financial health rating of NORTHFIELD BANCORP INC (NFBK) is 1 / 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 56.19% in the next year.