NORTHFIELD BANCORP INC (NFBK) Stock Fundamental Analysis
USA - NASDAQ:NFBK - US66611T1088 - Common Stock
11.7 USD
+0.03 (+0.26%)
11.7 USD
0 (0%)
Overall NFBK gets a fundamental rating of 4 out of 10. We evaluated NFBK against 392 industry peers in the Banks industry. NFBK may be in some trouble as it scores bad on both profitability and health. NFBK is not overvalued while it is showing excellent growth. This is an interesting combination. Finally NFBK also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
NFBK had positive earnings in the past year.
In the past year NFBK had a positive cash flow from operations.
Each year in the past 5 years NFBK has been profitable.
NFBK had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
NFBK has a worse Return On Assets (0.62%) than 68.88% of its industry peers.
The Return On Equity of NFBK (4.96%) is worse than 76.02% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.62% | ||
| ROE | 4.96% | ||
| 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 24.76% is in line compared to the rest of the industry. NFBK outperforms 55.87% 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) | 24.76% | ||
| 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.
The number of shares outstanding for NFBK has been reduced compared to 5 years ago.
The debt/assets ratio for NFBK has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of NFBK is 20.99, which is on the high side as it means it would take NFBK, 20.99 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of NFBK (20.99) is worse than 81.89% of its industry peers.
NFBK has a Debt/Equity ratio of 1.26. This is a high value indicating a heavy dependency on external financing.
NFBK's Debt to Equity ratio of 1.26 is on the low side compared to the rest of the industry. NFBK is outperformed by 86.48% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.26 | ||
| Debt/FCF | 20.99 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.65%
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 16.42%, which is quite good.
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 11.85%.
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)11.85%
Revenue growth 3Y-8.27%
Revenue growth 5Y0.73%
Sales Q2Q%19.9%
3.2 Future
NFBK is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 46.25% yearly.
NFBK is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 20.73% yearly.
EPS Next Y54.59%
EPS Next 2Y46.25%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year18.17%
Revenue Next 2Y20.73%
Revenue Next 3YN/A
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
With a Price/Earnings ratio of 15.00, NFBK is valued correctly.
Based on the Price/Earnings ratio, NFBK is valued a bit more expensive than 64.29% of the companies in the same industry.
NFBK's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.41.
A Price/Forward Earnings ratio of 8.55 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 78.83% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.87. NFBK is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15 | ||
| Fwd PE | 8.55 |
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 | 11.49 | ||
| 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 46.25% in the coming years.
PEG (NY)0.27
PEG (5Y)N/A
EPS Next 2Y46.25%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.38%, NFBK is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.47, NFBK pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.38, NFBK pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.38% |
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
5.3 Sustainability
NFBK pays out 60.82% of its income as dividend. This is not a sustainable payout ratio.
NFBK's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP60.82%
EPS Next 2Y46.25%
EPS Next 3YN/A
11.7
+0.03 (+0.26%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners60.51%
Inst Owner Change-1.65%
Ins Owners5.06%
Ins Owner Change4.2%
Market Cap489.18M
Analysts45.71
Price Target11.99 (2.48%)
Short Float %1.28%
Short Ratio2.76
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.38% |
Yearly Dividend0.5
Dividend Growth(5Y)4.08%
DP60.82%
Div Incr Years0
Div Non Decr Years12
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.22%
Min EPS beat(2)4.81%
Max EPS beat(2)5.64%
EPS beat(4)4
Avg EPS beat(4)3.51%
Min EPS beat(4)0.12%
Max EPS beat(4)5.64%
EPS beat(8)6
Avg EPS beat(8)3.06%
EPS beat(12)7
Avg EPS beat(12)0.73%
EPS beat(16)11
Avg EPS beat(16)3.12%
Revenue beat(2)1
Avg Revenue beat(2)-0.38%
Min Revenue beat(2)-2.64%
Max Revenue beat(2)1.87%
Revenue beat(4)2
Avg Revenue beat(4)-1.32%
Min Revenue beat(4)-4.67%
Max Revenue beat(4)1.87%
Revenue beat(8)3
Avg Revenue beat(8)-2.34%
Revenue beat(12)5
Avg Revenue beat(12)-2.42%
Revenue beat(16)9
Avg Revenue beat(16)-0.32%
PT rev (1m)0%
PT rev (3m)-9.62%
EPS NQ rev (1m)0%
EPS NQ rev (3m)8.64%
EPS NY rev (1m)0%
EPS NY rev (3m)9.85%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.95%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-4.12%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15 | ||
| Fwd PE | 8.55 | ||
| P/S | 3.44 | ||
| P/FCF | 11.49 | ||
| P/OCF | 11.24 | ||
| P/B | 0.69 | ||
| P/tB | 0.73 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.78
EY6.67%
EPS(NY)1.37
Fwd EY11.7%
FCF(TTM)1.02
FCFY8.7%
OCF(TTM)1.04
OCFY8.89%
SpS3.4
BVpS16.99
TBVpS16.01
PEG (NY)0.27
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.62% | ||
| ROE | 4.96% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 24.76% | ||
| GM | N/A | ||
| FCFM | 29.93% |
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-Score9
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.26 | ||
| Debt/FCF | 20.99 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 11.6% | ||
| Cap/Sales | 0.66% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 120.86% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC11.65%
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 Y54.59%
EPS Next 2Y46.25%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)11.85%
Revenue growth 3Y-8.27%
Revenue growth 5Y0.73%
Sales Q2Q%19.9%
Revenue Next Year18.17%
Revenue Next 2Y20.73%
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-30.84%
FCF growth 3Y-22%
FCF growth 5Y-8.82%
OCF growth 1Y-31.99%
OCF growth 3Y-21.69%
OCF growth 5Y-9.47%