NORTHFIELD BANCORP INC (NFBK) Fundamental Analysis & Valuation

NASDAQ:NFBK • US66611T1088

Current stock price

13.51 USD
-0.03 (-0.22%)
Last:

This NFBK fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. NFBK Profitability Analysis

1.1 Basic Checks

  • NFBK had positive earnings in the past year.
  • NFBK had a positive operating cash flow in the past year.
  • In the past 5 years NFBK has always been profitable.
  • NFBK had a positive operating cash flow in each of the past 5 years.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M

1.2 Ratios

  • NFBK's Return On Assets of 0.01% is on the low side compared to the rest of the industry. NFBK is outperformed by 91.05% of its industry peers.
  • Looking at the Return On Equity, with a value of 0.12%, NFBK is doing worse than 90.79% of the companies in the same industry.
Industry RankSector Rank
ROA 0.01%
ROE 0.12%
ROIC N/A
ROA(3y)0.41%
ROA(5y)0.72%
ROE(3y)3.25%
ROE(5y)5.6%
ROIC(3y)N/A
ROIC(5y)N/A
NFBK Yearly ROA, ROE, ROICNFBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8

1.3 Margins

  • With a Profit Margin value of 0.52%, NFBK is not doing good in the industry: 91.05% of the companies in the same industry are doing better.
  • In the last couple of years the Profit Margin of NFBK has declined.
  • NFBK does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 0.52%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-75.88%
PM growth 5Y-54.41%
GM growth 3YN/A
GM growth 5YN/A
NFBK Yearly Profit, Operating, Gross MarginsNFBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

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1

2. NFBK Health Analysis

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
  • The number of shares outstanding for NFBK has been reduced compared to 5 years ago.
  • NFBK has a better debt/assets ratio than last year.
NFBK Yearly Shares OutstandingNFBK Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M
NFBK Yearly Total Debt VS Total AssetsNFBK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B

2.2 Solvency

  • The Debt to FCF ratio of NFBK is 18.30, which is on the high side as it means it would take NFBK, 18.30 years of fcf income to pay off all of its debts.
  • NFBK has a worse Debt to FCF ratio (18.30) than 81.58% of its industry peers.
  • NFBK has a Debt/Equity ratio of 1.39. This is a high value indicating a heavy dependency on external financing.
  • With a Debt to Equity ratio value of 1.39, NFBK is not doing good in the industry: 86.58% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 1.39
Debt/FCF 18.3
Altman-Z N/A
ROIC/WACCN/A
WACC10.79%
NFBK Yearly LT Debt VS Equity VS FCFNFBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. NFBK Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 62.50% over the past year.
  • NFBK shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.36% yearly.
  • NFBK shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 17.52%.
  • NFBK shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.78% yearly.
EPS 1Y (TTM)62.5%
EPS 3Y-7.64%
EPS 5Y4.36%
EPS Q2Q%78.95%
Revenue 1Y (TTM)17.52%
Revenue growth 3Y-2.46%
Revenue growth 5Y1.78%
Sales Q2Q%23.52%

3.2 Future

  • The Earnings Per Share is expected to grow by 21.29% on average over the next years. This is a very strong growth
  • The Revenue is expected to grow by 8.60% on average over the next years. This is quite good.
EPS Next Y32.4%
EPS Next 2Y21.29%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.94%
Revenue Next 2Y8.6%
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.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
NFBK Yearly Revenue VS EstimatesNFBK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M
NFBK Yearly EPS VS EstimatesNFBK Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5

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5

4. NFBK Valuation Analysis

4.1 Price/Earnings Ratio

  • NFBK is valuated correctly with a Price/Earnings ratio of 12.99.
  • NFBK's Price/Earnings is on the same level as the industry average.
  • NFBK's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.51.
  • A Price/Forward Earnings ratio of 9.81 indicates a reasonable valuation of NFBK.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of NFBK is on the same level as its industry peers.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.76, NFBK is valued rather cheaply.
Industry RankSector Rank
PE 12.99
Fwd PE 9.81
NFBK Price Earnings VS Forward Price EarningsNFBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, NFBK is valued a bit cheaper than 61.84% of the companies in the same industry.
Industry RankSector Rank
P/FCF 10.74
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.
  • NFBK's earnings are expected to grow with 21.29% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.4
PEG (5Y)2.98
EPS Next 2Y21.29%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. NFBK Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.88%, NFBK has a reasonable but not impressive dividend return.
  • NFBK's Dividend Yield is a higher than the industry average which is at 2.66.
  • Compared to an average S&P500 Dividend Yield of 1.89, NFBK pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.88%

5.2 History

  • The dividend of NFBK has a limited annual growth rate of 3.34%.
  • 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)3.34%
Div Incr Years0
Div Non Decr Years12
NFBK Yearly Dividends per shareNFBK Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

  • NFBK pays out 2657.29% 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.
DP2657.29%
EPS Next 2Y21.29%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
NFBK Dividend Payout.NFBK Dividend Payout, showing the Payout Ratio.NFBK Dividend Payout.PayoutRetained Earnings

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NFBK Fundamentals: All Metrics, Ratios and Statistics

NORTHFIELD BANCORP INC

NASDAQ:NFBK (4/2/2026, 10:43:46 AM)

13.51

-0.03 (-0.22%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-03
Earnings (Next)04-21
Inst Owners59.5%
Inst Owner Change-0.38%
Ins Owners5.02%
Ins Owner Change2.08%
Market Cap564.18M
Revenue(TTM)154.32M
Net Income(TTM)796.00K
Analysts43.33
Price Target14.79 (9.47%)
Short Float %1.97%
Short Ratio1.95
Dividend
Industry RankSector Rank
Dividend Yield 3.88%
Yearly Dividend0.5
Dividend Growth(5Y)3.34%
DP2657.29%
Div Incr Years0
Div Non Decr Years12
Ex-Date02-12
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)12.47%
Min EPS beat(2)5.88%
Max EPS beat(2)19.05%
EPS beat(4)4
Avg EPS beat(4)8.84%
Min EPS beat(4)4.81%
Max EPS beat(4)19.05%
EPS beat(8)6
Avg EPS beat(8)4.35%
EPS beat(12)8
Avg EPS beat(12)3.32%
EPS beat(16)11
Avg EPS beat(16)3.66%
Revenue beat(2)1
Avg Revenue beat(2)-0.04%
Min Revenue beat(2)-1.15%
Max Revenue beat(2)1.07%
Revenue beat(4)2
Avg Revenue beat(4)-0.21%
Min Revenue beat(4)-2.64%
Max Revenue beat(4)1.87%
Revenue beat(8)4
Avg Revenue beat(8)-1.37%
Revenue beat(12)4
Avg Revenue beat(12)-2.93%
Revenue beat(16)8
Avg Revenue beat(16)-1.28%
PT rev (1m)0%
PT rev (3m)20.83%
EPS NQ rev (1m)0%
EPS NQ rev (3m)10.34%
EPS NY rev (1m)12.5%
EPS NY rev (3m)12.5%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.2%
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.54%
Valuation
Industry RankSector Rank
PE 12.99
Fwd PE 9.81
P/S 3.66
P/FCF 10.74
P/OCF 10.51
P/B 0.82
P/tB 0.82
EV/EBITDA N/A
EPS(TTM)1.04
EY7.7%
EPS(NY)1.38
Fwd EY10.19%
FCF(TTM)1.26
FCFY9.31%
OCF(TTM)1.29
OCFY9.52%
SpS3.7
BVpS16.52
TBVpS16.52
PEG (NY)0.4
PEG (5Y)2.98
Graham Number19.66
Profitability
Industry RankSector Rank
ROA 0.01%
ROE 0.12%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 0.52%
GM N/A
FCFM 34.05%
ROA(3y)0.41%
ROA(5y)0.72%
ROE(3y)3.25%
ROE(5y)5.6%
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-75.88%
PM growth 5Y-54.41%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 1.39
Debt/FCF 18.3
Debt/EBITDA N/A
Cap/Depr 35.45%
Cap/Sales 0.75%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 6601.51%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC10.79%
ROIC/WACCN/A
Cap/Depr(3y)54%
Cap/Depr(5y)53.77%
Cap/Sales(3y)1.42%
Cap/Sales(5y)1.35%
Profit Quality(3y)2272.22%
Profit Quality(5y)1407.63%
High Growth Momentum
Growth
EPS 1Y (TTM)62.5%
EPS 3Y-7.64%
EPS 5Y4.36%
EPS Q2Q%78.95%
EPS Next Y32.4%
EPS Next 2Y21.29%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)17.52%
Revenue growth 3Y-2.46%
Revenue growth 5Y1.78%
Sales Q2Q%23.52%
Revenue Next Year10.94%
Revenue Next 2Y8.6%
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 1Y75.45%
FCF growth 3Y-13.35%
FCF growth 5Y0.15%
OCF growth 1Y72.63%
OCF growth 3Y-13.63%
OCF growth 5Y-0.55%

NORTHFIELD BANCORP INC / NFBK Fundamental Analysis 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.


How profitable is NORTHFIELD BANCORP INC (NFBK) stock?

NORTHFIELD BANCORP INC (NFBK) has a profitability rating of 2 / 10.


Can you provide the PE and PB ratios for NFBK stock?

The Price/Earnings (PE) ratio for NORTHFIELD BANCORP INC (NFBK) is 12.99 and the Price/Book (PB) ratio is 0.82.


What is the expected EPS growth for NORTHFIELD BANCORP INC (NFBK) stock?

The Earnings per Share (EPS) of NORTHFIELD BANCORP INC (NFBK) is expected to grow by 32.4% in the next year.