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NORTHFIELD BANCORP INC (NFBK) Stock Fundamental Analysis

NASDAQ:NFBK - Nasdaq - US66611T1088 - Common Stock - Currency: USD

10.64  -0.32 (-2.92%)

After market: 10.64 0 (0%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to NFBK. NFBK was compared to 393 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. Finally NFBK also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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2

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.
Each year in the past 5 years NFBK had a positive operating cash flow.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

1.2 Ratios

NFBK has a worse Return On Assets (0.55%) than 72.26% of its industry peers.
NFBK has a Return On Equity of 4.44%. This is in the lower half of the industry: NFBK underperforms 79.39% of its industry peers.
Industry RankSector Rank
ROA 0.55%
ROE 4.44%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

NFBK has a Profit Margin of 23.44%. This is comparable to the rest of the industry: NFBK outperforms 49.62% 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 RankSector Rank
OM N/A
PM (TTM) 23.44%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

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1

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.
Compared to 5 years ago, NFBK has less shares outstanding
The debt/assets ratio for NFBK has been reduced compared to a year ago.
NFBK Yearly Shares OutstandingNFBK Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B

2.2 Solvency

The Debt to FCF ratio of NFBK is 21.81, which is on the high side as it means it would take NFBK, 21.81 years of fcf income to pay off all of its debts.
NFBK has a worse Debt to FCF ratio (21.81) than 83.21% of its industry peers.
A Debt/Equity ratio of 1.08 is on the high side and indicates that NFBK has dependencies on debt financing.
The Debt to Equity ratio of NFBK (1.08) is worse than 86.26% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.08
Debt/FCF 21.81
Altman-Z N/A
ROIC/WACCN/A
WACC11.74%
NFBK Yearly LT Debt VS Equity VS FCFNFBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

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5

3. Growth

3.1 Past

NFBK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 16.42%, which is quite good.
The Earnings Per Share has been decreasing by -5.52% on average over the past years.
Looking at the last year, NFBK shows a decrease in Revenue. The Revenue has decreased by -3.85% in the last year.
The Revenue has been growing slightly by 0.73% on average over the past years.
EPS 1Y (TTM)16.42%
EPS 3Y-23.86%
EPS 5Y-5.52%
EPS Q2Q%71.43%
Revenue 1Y (TTM)-3.85%
Revenue growth 3Y-8.27%
Revenue growth 5Y0.73%
Sales Q2Q%19.9%

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 44.77% 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 17.12% on average per year.
EPS Next Y46.63%
EPS Next 2Y44.77%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year18.49%
Revenue Next 2Y17.12%
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.
When comparing the Revenue 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M
NFBK Yearly EPS VS EstimatesNFBK Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1

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6

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 13.64, NFBK is valued correctly.
Compared to the rest of the industry, the Price/Earnings ratio of NFBK indicates a slightly more expensive valuation: NFBK is more expensive than 62.34% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of NFBK to the average of the S&P500 Index (27.61), we can say NFBK is valued rather cheaply.
The Price/Forward Earnings ratio is 7.93, which indicates a rather cheap valuation of NFBK.
80.41% of the companies in the same industry are more expensive than NFBK, based on the Price/Forward Earnings ratio.
NFBK is valuated cheaply when we compare the Price/Forward Earnings ratio to 37.13, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 13.64
Fwd PE 7.93
NFBK Price Earnings VS Forward Price EarningsNFBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

NFBK's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 12.84
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

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 44.77% in the coming years.
PEG (NY)0.29
PEG (5Y)N/A
EPS Next 2Y44.77%
EPS Next 3YN/A

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8

5. Dividend

5.1 Amount

NFBK has a Yearly Dividend Yield of 4.74%, which is a nice return.
NFBK's Dividend Yield is rather good when compared to the industry average which is at 3.36. NFBK pays more dividend than 85.50% of the companies in the same industry.
NFBK's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.
Industry RankSector Rank
Dividend Yield 4.74%

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 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
NFBK Yearly Dividends per shareNFBK Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

68.50% of the earnings are spent on dividend by NFBK. This is not a sustainable payout ratio.
The dividend of NFBK is growing, but earnings are growing more, so the dividend growth is sustainable.
DP68.5%
EPS Next 2Y44.77%
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 2015 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 (7/30/2025, 8:00:01 PM)

After market: 10.64 0 (0%)

10.64

-0.32 (-2.92%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-23 2025-07-23/amc
Earnings (Next)10-21 2025-10-21/amc
Inst Owners59.4%
Inst Owner Change0.29%
Ins Owners4.98%
Ins Owner Change3.48%
Market Cap453.58M
Analysts77.78
Price Target12.24 (15.04%)
Short Float %1.38%
Short Ratio2.73
Dividend
Industry RankSector Rank
Dividend Yield 4.74%
Yearly Dividend0.5
Dividend Growth(5Y)4.08%
DP68.5%
Div Incr Years0
Div Non Decr Years12
Ex-Date05-07 2025-05-07 (0.13)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)4.56%
Min EPS beat(2)3.49%
Max EPS beat(2)5.64%
EPS beat(4)3
Avg EPS beat(4)1.76%
Min EPS beat(4)-2.19%
Max EPS beat(4)5.64%
EPS beat(8)5
Avg EPS beat(8)2.4%
EPS beat(12)7
Avg EPS beat(12)1.66%
EPS beat(16)11
Avg EPS beat(16)4.66%
Revenue beat(2)1
Avg Revenue beat(2)-1.24%
Min Revenue beat(2)-2.64%
Max Revenue beat(2)0.16%
Revenue beat(4)2
Avg Revenue beat(4)-1.76%
Min Revenue beat(4)-4.67%
Max Revenue beat(4)0.16%
Revenue beat(8)2
Avg Revenue beat(8)-3.47%
Revenue beat(12)5
Avg Revenue beat(12)-1.96%
Revenue beat(16)9
Avg Revenue beat(16)0.4%
PT rev (1m)-7.69%
PT rev (3m)-4%
EPS NQ rev (1m)3.78%
EPS NQ rev (3m)18.78%
EPS NY rev (1m)0.22%
EPS NY rev (3m)9.13%
Revenue NQ rev (1m)-3.51%
Revenue NQ rev (3m)-0.48%
Revenue NY rev (1m)-3.86%
Revenue NY rev (3m)-1.39%
Valuation
Industry RankSector Rank
PE 13.64
Fwd PE 7.93
P/S 3.36
P/FCF 12.84
P/OCF 12.5
P/B 0.64
P/tB 0.68
EV/EBITDA N/A
EPS(TTM)0.78
EY7.33%
EPS(NY)1.34
Fwd EY12.61%
FCF(TTM)0.83
FCFY7.79%
OCF(TTM)0.85
OCFY8%
SpS3.16
BVpS16.68
TBVpS15.72
PEG (NY)0.29
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.55%
ROE 4.44%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.44%
GM N/A
FCFM 26.2%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score8
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 1.08
Debt/FCF 21.81
Debt/EBITDA N/A
Cap/Depr 11.77%
Cap/Sales 0.71%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 111.79%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC11.74%
ROIC/WACCN/A
Cap/Depr(3y)40.97%
Cap/Depr(5y)47.49%
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)16.42%
EPS 3Y-23.86%
EPS 5Y-5.52%
EPS Q2Q%71.43%
EPS Next Y46.63%
EPS Next 2Y44.77%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-3.85%
Revenue growth 3Y-8.27%
Revenue growth 5Y0.73%
Sales Q2Q%19.9%
Revenue Next Year18.49%
Revenue Next 2Y17.12%
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-55.02%
FCF growth 3Y-22%
FCF growth 5Y-8.82%
OCF growth 1Y-55.46%
OCF growth 3Y-21.69%
OCF growth 5Y-9.47%