11.84 USD
-0.12 (-1%)
11.84 USD
0 (0%)
Overall NFBK gets a fundamental rating of 4 out of 10. We evaluated NFBK against 383 industry peers in the Banks industry. Both the profitability and financial health of NFBK have multiple concerns. NFBK is not valued too expensively and it also shows a decent growth rate. Finally 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.
- Each year in the past 5 years NFBK has been profitable.
- In the past 5 years NFBK always reported a positive cash flow from operatings.
1.2 Ratios
- NFBK has a Return On Assets of 0.69%. This is in the lower half of the industry: NFBK underperforms 66.58% of its industry peers.
- NFBK has a Return On Equity of 5.48%. This is in the lower half of the industry: NFBK underperforms 73.63% 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's Profit Margin of 26.36% is fine compared to the rest of the industry. NFBK outperforms 62.14% 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 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.
- Compared to 1 year ago, NFBK has less shares outstanding
- 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 81.98% of its industry peers.
- 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: 86.16% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.31 | ||
| Debt/FCF | 22.2 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.37%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- NFBK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 39.06%, which is quite impressive.
- Measured over the past years, NFBK shows a decrease in Earnings Per Share. The EPS has been decreasing by -5.52% on average per year.
- Looking at the last year, NFBK shows a quite strong growth in Revenue. The Revenue has grown by 17.69% in the last year.
- Measured over the past years, NFBK shows a small growth in Revenue. The Revenue has been growing by 0.73% on average per year.
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
- NFBK is valuated correctly with a Price/Earnings ratio of 13.30.
- Compared to the rest of the industry, the Price/Earnings ratio of NFBK is on the same level as its industry peers.
- NFBK is valuated cheaply when we compare the Price/Earnings ratio to 27.47, which is the current average of the S&P500 Index.
- A Price/Forward Earnings ratio of 9.67 indicates a reasonable valuation of NFBK.
- NFBK's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. NFBK is cheaper than 65.80% of the companies in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.26, NFBK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.3 | ||
| Fwd PE | 9.67 |
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 | 11.67 | ||
| EV/EBITDA | N/A |
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 29.10% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.24
PEG (5Y)N/A
EPS Next 2Y38.29%
EPS Next 3Y29.1%
5. Dividend
5.1 Amount
- NFBK has a Yearly Dividend Yield of 4.48%, which is a nice return.
- Compared to an average industry Dividend Yield of 2.91, NFBK pays a better dividend. On top of this NFBK pays more dividend than 81.72% 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 1.89.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.48% |
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%
11.84
-0.12 (-1%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-22 2025-10-22/amc
Earnings (Next)01-20 2026-01-20/amc
Inst Owners60.19%
Inst Owner Change-0.64%
Ins Owners5.06%
Ins Owner Change0%
Market Cap494.91M
Revenue(TTM)149.66M
Net Income(TTM)39.45M
Analysts43.33
Price Target12.24 (3.38%)
Short Float %1.19%
Short Ratio2.15
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.48% |
Yearly Dividend0.5
Dividend Growth(5Y)4.08%
DP54.01%
Div Incr Years0
Div Non Decr Years12
Ex-DateN/A
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)0%
PT rev (3m)2.13%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)1.03%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-7.01%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.28%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.3 | ||
| Fwd PE | 9.67 | ||
| P/S | 3.31 | ||
| P/FCF | 11.67 | ||
| P/OCF | 11.39 | ||
| P/B | 0.69 | ||
| P/tB | 0.73 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.89
EY7.52%
EPS(NY)1.22
Fwd EY10.34%
FCF(TTM)1.01
FCFY8.57%
OCF(TTM)1.04
OCFY8.78%
SpS3.58
BVpS17.22
TBVpS16.23
PEG (NY)0.24
PEG (5Y)N/A
Graham Number18.57
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
WACC11.37%
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 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 3 / 10.
What is the financial health of NORTHFIELD BANCORP INC (NFBK) stock?
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.