Logo image of NFBK

NORTHFIELD BANCORP INC (NFBK) Stock Fundamental Analysis

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

12.03  +0.33 (+2.82%)

After market: 12.03 0 (0%)

Fundamental Rating

3

Taking everything into account, NFBK scores 3 out of 10 in our fundamental rating. NFBK was compared to 396 industry peers in the Banks industry. NFBK has a bad profitability rating. Also its financial health evaluation is rather negative. NFBK has a decent growth rate and is not valued too expensively. Finally NFBK also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

Quickly go to:

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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

1.2 Ratios

NFBK has a Return On Assets of 0.55%. This is in the lower half of the industry: NFBK underperforms 72.98% of its industry peers.
NFBK's Return On Equity of 4.44% is on the low side compared to the rest of the industry. NFBK is outperformed by 80.05% 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's Profit Margin of 23.44% is in line compared to the rest of the industry. NFBK outperforms 49.75% 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 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

More info and screens

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
NFBK has less shares outstanding than it did 5 years ago.
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

NFBK has a debt to FCF ratio of 21.81. This is a negative value and a sign of low solvency as NFBK would need 21.81 years to pay back of all of its debts.
The Debt to FCF ratio of NFBK (21.81) is worse than 82.32% 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.
With a Debt to Equity ratio value of 1.08, NFBK is not doing good in the industry: 86.36% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 1.08
Debt/FCF 21.81
Altman-Z N/A
ROIC/WACCN/A
WACC11.47%
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

More info and screens

5

3. Growth

3.1 Past

NFBK shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -9.33%.
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 small growth in Revenue. The Revenue has grown by 4.05% in the last year.
NFBK shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 0.73% yearly.
EPS 1Y (TTM)-9.33%
EPS 3Y-23.86%
EPS 5Y-5.52%
EPS Q2Q%26.67%
Revenue 1Y (TTM)4.05%
Revenue growth 3Y-8.27%
Revenue growth 5Y0.73%
Sales Q2Q%14.01%

3.2 Future

The Earnings Per Share is expected to grow by 42.20% on average over the next years. This is a very strong growth
Based on estimates for the next years, NFBK will show a quite strong growth in Revenue. The Revenue will grow by 19.12% on average per year.
EPS Next Y40.73%
EPS Next 2Y42.2%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year23.24%
Revenue Next 2Y19.12%
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.
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

More info and screens

5

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 17.69, which indicates a rather expensive current valuation of NFBK.
Compared to the rest of the industry, the Price/Earnings ratio of NFBK indicates a slightly more expensive valuation: NFBK is more expensive than 77.02% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.52. NFBK is valued slightly cheaper when compared to this.
A Price/Forward Earnings ratio of 9.30 indicates a reasonable valuation of NFBK.
NFBK's Price/Forward Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.25, NFBK is valued rather cheaply.
Industry RankSector Rank
PE 17.69
Fwd PE 9.3
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

The rest of the industry has a similar Price/Free Cash Flow ratio as NFBK.
Industry RankSector Rank
P/FCF 14.51
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

NFBK's 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 42.20% in the coming years.
PEG (NY)0.43
PEG (5Y)N/A
EPS Next 2Y42.2%
EPS Next 3YN/A

More info and screens

8

5. Dividend

5.1 Amount

NFBK has a Yearly Dividend Yield of 4.44%, which is a nice return.
NFBK's Dividend Yield is rather good when compared to the industry average which is at 3.50. NFBK pays more dividend than 81.06% of the companies in the same industry.
NFBK's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.
Industry RankSector Rank
Dividend Yield 4.44%

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

NFBK pays out 68.50% of its income as dividend. 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 2Y42.2%
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

More info and screens

NORTHFIELD BANCORP INC

NASDAQ:NFBK (6/6/2025, 8:13:27 PM)

After market: 12.03 0 (0%)

12.03

+0.33 (+2.82%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-23 2025-04-23/amc
Earnings (Next)07-22 2025-07-22/amc
Inst Owners58.03%
Inst Owner Change0.5%
Ins Owners4.62%
Ins Owner Change6.42%
Market Cap512.84M
Analysts77.78
Price Target13.26 (10.22%)
Short Float %1.43%
Short Ratio3
Dividend
Industry RankSector Rank
Dividend Yield 4.44%
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)4%
PT rev (3m)-2.5%
EPS NQ rev (1m)8.71%
EPS NQ rev (3m)14.46%
EPS NY rev (1m)4.74%
EPS NY rev (3m)4.74%
Revenue NQ rev (1m)2.55%
Revenue NQ rev (3m)6.75%
Revenue NY rev (1m)1.89%
Revenue NY rev (3m)6.08%
Valuation
Industry RankSector Rank
PE 17.69
Fwd PE 9.3
P/S 3.8
P/FCF 14.51
P/OCF 14.13
P/B 0.72
P/tB 0.77
EV/EBITDA N/A
EPS(TTM)0.68
EY5.65%
EPS(NY)1.29
Fwd EY10.76%
FCF(TTM)0.83
FCFY6.89%
OCF(TTM)0.85
OCFY7.08%
SpS3.16
BVpS16.68
TBVpS15.72
PEG (NY)0.43
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
WACC11.47%
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)-9.33%
EPS 3Y-23.86%
EPS 5Y-5.52%
EPS Q2Q%26.67%
EPS Next Y40.73%
EPS Next 2Y42.2%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)4.05%
Revenue growth 3Y-8.27%
Revenue growth 5Y0.73%
Sales Q2Q%14.01%
Revenue Next Year23.24%
Revenue Next 2Y19.12%
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%