NFBK Stock Analysis: Northfield Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 618m USD | 12M Return: 29.2% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 5.06M
EPS Trend: 9.2%
Qual. Beats: 0
Rev. Trend: 97.5%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Northfield Bancorp, Inc. (NFBK) is the holding company for Northfield Bank, a community-oriented bank that provides a full suite of deposit and lending services to individual and corporate customers. Its deposit products span transaction, money market, savings, and certificates of deposit accounts, while its loan portfolio includes commercial and industrial loans, owner-occupied and multifamily commercial real estate loans, one-to-four family residential mortgages, construction and land loans, home equity products, and small business loans. Beyond core banking, the company invests in mortgage-backed securities and corporate bonds, and supports customers with ATMs, debit cards, online/mobile banking, ACH and wire transfers, cash management, and remote deposit capture services. Founded in 1887 and headquartered in Woodbridge, New Jersey, the bank operates branches across Richmond and Kings counties in New York and Hunterdon, Mercer, Union, and Middlesex counties in New Jersey.
As a small-cap regional bank within the GICS Financials sector, NFBK fits the traditional community banking model, generating the majority of its earnings from net interest income derived from its loan and securities portfolios. Its geographic concentration in the New York City metropolitan area and central New Jersey ties its performance closely to local real estate trends and regional economic conditions.
- Net interest margin compresses as deposit costs outpace loan yields
- Commercial real estate concentration in NY/NJ metro poses credit risk
- Share repurchase program and dividends support shareholder returns
| Net Income: 4.76m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.48 > 1.0 |
| NWC/Revenue: -1.50k% < 20% (prev -1.13k%; Δ -368.3% < -1%) |
| CFO/TA 0.01 > 3% & CFO 64.1m > Net Income 4.76m |
| Net Debt (909.0m) to EBITDA (27.6m): 32.91 < 3 |
| Current Ratio: 0.01 > 1.5 & < 3 |
| Outstanding Shares: last quarter (39.9m) vs 12m ago -2.44% < -2% |
| Gross Margin: 57.17% > 18% (prev 49.40%; Δ 7.76% > 0.5%) |
| Asset Turnover: 4.65% > 50% (prev 4.42%; Δ 0.22% > 0%) |
| Interest Coverage Ratio: 0.18 > 6 (EBIT TTM 19.7m / Interest Expense TTM 109.4m) |
| A: -0.69 (Total Current Assets 31.7m - Total Current Liabilities 4.02b) / Total Assets 5.74b |
| B: 0.07 (Retained Earnings 427.0m / Total Assets 5.74b) |
| C: 0.00 (EBIT TTM 19.7m / Avg Total Assets 5.72b) |
| D: 0.14 (Book Value of Equity 694.7m / Total Liabilities 5.04b) |
| Altman-Z'' = -4.15 = D |
| DSRI: 0.97 (Receivables 20.1m/19.6m, Revenue 265.8m/252.4m) |
| GMI: 0.86 (GM 49.40% / 57.17%) |
| AQI: 1.29 (AQ_t 0.99 / AQ_t-1 0.77) |
| SGI: 1.05 (Revenue 265.8m / 252.4m) |
| TATA: -0.01 (NI 4.76m - CFO 64.1m) / TA 5.74b) |
| Beneish M = -2.97 (Cap -4..+1) = A |
As of July 08, 2026, the stock is trading at USD 14.84 with a total of 339,103 shares traded. Over the past week, the price has changed by +1.37%, over one month by +2.20%, over three months by +8.77% and over the past year by +29.21%.
Current recommended Stop Loss: 14.50 (which is 2.3% or 1.4 ATR below the current price).
Northfield Bancorp has received a consensus analysts rating of 3.00. Therefore, it is recommended to hold NFBK.
- StrongBuy: 0
- Buy: 0
- Hold: 3
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 14.5 | -2.3% |
P/E Trailing = 113.7692
P/E Forward = 22.8311
P/S = 3.99
P/B = 0.8892
P/EG = 2.5355
Revenue TTM = 265.8m USD
EBIT TTM = 19.7m USD
EBITDA TTM = 27.6m USD
Long Term Debt = 863.9m USD (from longTermDebt, last quarter)
Short Term Debt = 4.45m USD (from shortTermDebt, last quarter)
Debt = 920.6m USD (from shortLongTermDebtTotal, last quarter) + Leases 28.3m
Net Debt = 909.0m USD (calculated: Debt 920.6m - CCE 11.6m)
Enterprise Value = 1.53b USD (617.7m + Debt 920.6m - CCE 11.6m)
Interest Coverage Ratio = 0.18 (Ebit TTM 19.7m / Interest Expense TTM 109.4m)
EV/FCF = 24.24x (Enterprise Value 1.53b / FCF TTM 63.0m)
FCF Yield = 4.12% (FCF TTM 63.0m / Enterprise Value 1.53b)
FCF Margin = 23.69% (FCF TTM 63.0m / Revenue TTM 265.8m)
Net Margin = 1.79% (Net Income TTM 4.76m / Revenue TTM 265.8m)
Gross Margin = 57.17% ((Revenue TTM 265.8m - Cost of Revenue TTM 113.9m) / Revenue TTM)
Gross Margin QoQ = 58.76% (prev 58.66%)
Tobins Q-Ratio = 0.27 (Enterprise Value 1.53b / Total Assets 5.74b)
Interest Expense / Debt = 11.88% (Interest Expense 109.4m / Debt 920.6m)
Taxrate = 29.76% (5.02m / 16.9m)
NOPAT = 13.8m (EBIT 19.7m * (1 - 29.76%))
Current Ratio = 0.01 (Total Current Assets 31.7m / Total Current Liabilities 4.02b)
Debt / Equity = 1.33 (Debt 920.6m / totalStockholderEquity, last quarter 694.7m)
Debt / EBITDA = 32.91 (Net Debt 909.0m / EBITDA 27.6m)
Debt / FCF = 14.43 (Net Debt 909.0m / FCF TTM 63.0m)
Total Stockholder Equity = 703.7m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.08% (Net Income 4.76m / Total Assets 5.74b)
RoE = 0.68% (Net Income TTM 4.76m / Total Stockholder Equity 703.7m)
RoCE = 1.26% (EBIT 19.7m / Capital Employed (Equity 703.7m + L.T.Debt 863.9m))
RoIC = 0.24% (NOPAT 13.8m / Invested Capital 5.72b)
WACC = 8.39% (E(617.7m)/V(1.54b) * Re(8.46%) + D(920.6m)/V(1.54b) * Rd(11.88%) * (1-Tc(0.30)))
Discount Rate = 8.46% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -86.67 | Cagr: -3.03%
[DCF] Terminal Value 77.84% ; FCFF base≈51.9m ; Y1≈59.5m ; Y5≈87.6m
[DCF] Fair Price = 9.57 (EV 1.31b - Net Debt 909.0m = Equity 399.6m / Shares 41.8m; r=8.39% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 9.23 | EPS CAGR: 2.27% | SUE: 0.48 | # QB: 0
Revenue Correlation: 97.52 | Revenue CAGR: 9.50% | SUE: 0.60 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.34 | Chg30d=+3.03% | Revisions=+25% | Analysts=1
EPS next Quarter (2026-09-30): EPS=0.35 | Chg30d=+2.94% | Revisions=+25% | Analysts=1
EPS current Year (2026-12-31): EPS=1.40 | Chg30d=+3.70% | Revisions=+25% | GrowthEPS=+33.3% | GrowthRev=+7.9%
EPS next Year (2027-12-31): EPS=1.50 | Chg30d=+0.00% | Revisions=+0% | GrowthEPS=+7.1% | GrowthRev=+6.2%