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NORTHFIELD BANCORP INC (NFBK) Stock Fundamental Analysis

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

9.51  -0.15 (-1.55%)

Fundamental Rating

3

Taking everything into account, NFBK scores 3 out of 10 in our fundamental rating. NFBK was compared to 398 industry peers in the Banks industry. NFBK may be in some trouble as it scores bad on both profitability and health. NFBK has a correct valuation and a medium 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

In the past year NFBK was profitable.
In the past year NFBK had a positive cash flow from operations.
NFBK had positive earnings in each of the past 5 years.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

1.2 Ratios

NFBK has a Return On Assets of 0.53%. This is in the lower half of the industry: NFBK underperforms 72.36% of its industry peers.
NFBK has a Return On Equity of 4.25%. This is amonst the worse of the industry: NFBK underperforms 80.40% of its industry peers.
Industry RankSector Rank
ROA 0.53%
ROE 4.25%
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 (22.81%) which is comparable to the rest of the industry.
NFBK's Profit Margin has declined in the last couple of years.
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) 22.81%
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.
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 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 24.30, which is on the high side as it means it would take NFBK, 24.30 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of NFBK (24.30) is worse than 81.16% of its industry peers.
NFBK has a Debt/Equity ratio of 1.03. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 1.03, NFBK is not doing good in the industry: 85.68% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 1.03
Debt/FCF 24.3
Altman-Z N/A
ROIC/WACCN/A
WACC11.7%
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 negative growth in Earnings Per Share. In the last year the EPS decreased by -25.58%.
NFBK shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -5.52% yearly.
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)-25.58%
EPS 3Y-23.86%
EPS 5Y-5.52%
EPS Q2Q%0%
Revenue 1Y (TTM)-3.85%
Revenue growth 3Y-8.27%
Revenue growth 5Y0.73%
Sales Q2Q%2.65%

3.2 Future

NFBK is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 38.41% yearly.
Based on estimates for the next years, NFBK will show a quite strong growth in Revenue. The Revenue will grow by 17.67% on average per year.
EPS Next Y34.35%
EPS Next 2Y38.41%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year20.16%
Revenue Next 2Y17.67%
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.
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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4

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 14.86, the valuation of NFBK can be described as correct.
Compared to the rest of the industry, the Price/Earnings ratio of NFBK indicates a slightly more expensive valuation: NFBK is more expensive than 71.61% of the companies listed in the same industry.
NFBK is valuated rather cheaply when we compare the Price/Earnings ratio to 28.29, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 11.06, which indicates a very decent valuation of NFBK.
Compared to the rest of the industry, the Price/Forward Earnings ratio of NFBK indicates a slightly more expensive valuation: NFBK is more expensive than 62.06% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of NFBK to the average of the S&P500 Index (21.32), we can say NFBK is valued slightly cheaper.
Industry RankSector Rank
PE 14.86
Fwd PE 11.06
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

NFBK's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 13.55
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 38.41% in the coming years.
PEG (NY)0.43
PEG (5Y)N/A
EPS Next 2Y38.41%
EPS Next 3YN/A

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8

5. Dividend

5.1 Amount

NFBK has a Yearly Dividend Yield of 5.38%, which is a nice return.
NFBK's Dividend Yield is rather good when compared to the industry average which is at 3.66. NFBK pays more dividend than 87.69% of the companies in the same industry.
NFBK's Dividend Yield is rather good when compared to the S&P500 average which is at 2.51.
Industry RankSector Rank
Dividend Yield 5.38%

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
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

72.89% 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.
DP72.89%
EPS Next 2Y38.41%
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 (4/21/2025, 1:27:24 PM)

9.51

-0.15 (-1.55%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-23 2025-01-23/dmh
Earnings (Next)04-23 2025-04-23/amc
Inst Owners58.03%
Inst Owner Change-0.07%
Ins Owners4.62%
Ins Owner Change2.01%
Market Cap405.89M
Analysts47.5
Price Target13.26 (39.43%)
Short Float %0.87%
Short Ratio1.83
Dividend
Industry RankSector Rank
Dividend Yield 5.38%
Yearly Dividend0.5
Dividend Growth(5Y)4.08%
DP72.89%
Div Incr Years0
Div Non Decr Years12
Ex-Date02-05 2025-02-05 (0.13)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)1.8%
Min EPS beat(2)0.12%
Max EPS beat(2)3.49%
EPS beat(4)2
Avg EPS beat(4)-0.14%
Min EPS beat(4)-2.19%
Max EPS beat(4)3.49%
EPS beat(8)4
Avg EPS beat(8)0.56%
EPS beat(12)7
Avg EPS beat(12)1.93%
EPS beat(16)11
Avg EPS beat(16)6.84%
Revenue beat(2)1
Avg Revenue beat(2)-2.26%
Min Revenue beat(2)-4.67%
Max Revenue beat(2)0.16%
Revenue beat(4)2
Avg Revenue beat(4)-2.53%
Min Revenue beat(4)-5.7%
Max Revenue beat(4)0.16%
Revenue beat(8)2
Avg Revenue beat(8)-4.29%
Revenue beat(12)6
Avg Revenue beat(12)-1.63%
Revenue beat(16)10
Avg Revenue beat(16)1.55%
PT rev (1m)-2.5%
PT rev (3m)-7.69%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-4.69%
EPS NY rev (1m)0%
EPS NY rev (3m)-11.04%
Revenue NQ rev (1m)3.62%
Revenue NQ rev (3m)8.35%
Revenue NY rev (1m)3.42%
Revenue NY rev (3m)5.62%
Valuation
Industry RankSector Rank
PE 14.86
Fwd PE 11.06
P/S 3.09
P/FCF 13.55
P/OCF 13.05
P/B 0.58
P/tB 0.61
EV/EBITDA N/A
EPS(TTM)0.64
EY6.73%
EPS(NY)0.86
Fwd EY9.04%
FCF(TTM)0.7
FCFY7.38%
OCF(TTM)0.73
OCFY7.66%
SpS3.08
BVpS16.51
TBVpS15.55
PEG (NY)0.43
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.53%
ROE 4.25%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 22.81%
GM N/A
FCFM 22.81%
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-Score4
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 1.03
Debt/FCF 24.3
Debt/EBITDA N/A
Cap/Depr 13.91%
Cap/Sales 0.88%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 100.02%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC11.7%
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)-25.58%
EPS 3Y-23.86%
EPS 5Y-5.52%
EPS Q2Q%0%
EPS Next Y34.35%
EPS Next 2Y38.41%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-3.85%
Revenue growth 3Y-8.27%
Revenue growth 5Y0.73%
Sales Q2Q%2.65%
Revenue Next Year20.16%
Revenue Next 2Y17.67%
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-30.93%
FCF growth 3Y-22%
FCF growth 5Y-8.82%
OCF growth 1Y-33.78%
OCF growth 3Y-21.69%
OCF growth 5Y-9.47%