11.86 USD
-0.13 (-1.08%)
11.86 USD
0 (0%)
Taking everything into account, NFBK scores 4 out of 10 in our fundamental rating. NFBK was compared to 383 industry peers in the Banks industry. NFBK has a bad profitability rating. Also its financial health evaluation is rather negative. 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
- In the past year NFBK was profitable.
- In the past year NFBK had a positive cash flow from operations.
- In the past 5 years NFBK has always been profitable.
- NFBK had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- NFBK's Return On Assets of 0.69% is on the low side compared to the rest of the industry. NFBK is outperformed by 66.84% of its industry peers.
- With a Return On Equity value of 5.48%, NFBK is not doing good in the industry: 73.89% of the companies in the same industry are doing better.
| 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
- The Profit Margin of NFBK (26.36%) is better than 62.14% 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.
- NFBK has less shares outstanding than it did 1 year ago.
- NFBK has less shares outstanding than it did 5 years ago.
- Compared to 1 year ago, NFBK has an improved debt to assets ratio.
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.
- NFBK has a worse Debt to FCF ratio (22.20) than 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
WACC11.44%
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.
- NFBK shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -5.52% yearly.
- NFBK shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 17.69%.
- 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
- The Price/Earnings ratio is 13.33, which indicates a correct valuation of NFBK.
- Compared to the rest of the industry, the Price/Earnings ratio of NFBK is on the same level as its industry peers.
- Compared to an average S&P500 Price/Earnings ratio of 28.60, NFBK is valued rather cheaply.
- A Price/Forward Earnings ratio of 9.69 indicates a reasonable valuation of NFBK.
- Based on the Price/Forward Earnings ratio, NFBK is valued a bit cheaper than the industry average as 65.01% of the companies are valued more expensively.
- NFBK is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.83, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.33 | ||
| Fwd PE | 9.69 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of NFBK is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.69 | ||
| 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)0.24
PEG (5Y)N/A
EPS Next 2Y38.29%
EPS Next 3Y29.1%
5. Dividend
5.1 Amount
- NFBK has a Yearly Dividend Yield of 4.34%, which is a nice return.
- NFBK's Dividend Yield is rather good when compared to the industry average which is at 2.60. NFBK pays more dividend than 87.47% of the companies in the same industry.
- NFBK's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.34% |
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 their dividend for at least 10 years, which is a reliable track record.
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.
- The dividend of NFBK is growing, but earnings are growing more, so the dividend growth is sustainable.
DP54.01%
EPS Next 2Y38.29%
EPS Next 3Y29.1%
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.