NFBK - NASDAQ

Northfield Bancorp, Inc.

NFBK·NASDAQ

$14.06

-1.5%

Financial ServicesBanks - Regional

Northfield Bancorp, Inc. (Staten Island, NY) operates as the bank holding company for Northfield Bank that provides various banking services primarily to individuals and corporate customers. It accepts various deposits products, including certificates of deposit, passbook, statement, and money market savings accounts; transaction deposit accounts comprising negotiable orders of withdrawal accounts, and interest and non-interest-bearing checking accounts; individual retirement accounts; and brokered deposits. The company also offers various loans comprising multifamily and other commercial real estate loans, construction and land loans, commercial and industrial loans, one-to-four family residential real estate loans, and home equity loans and lines of credit. In addition, it purchases various investment securities, such as mortgage-backed securities and corporate bonds; and deposits funds in other financial institutions, as well as holds mortgage loans, mortgage-backed securities, and other investments. As of December 31, 2021, the company operated 38 full-service banking offices in Staten Island and Brooklyn, New York; and Hunterdon, Middlesex, Mercer, and Union counties, New Jersey. Northfield Bancorp, Inc. (Staten Island, NY) was founded in 1887 and is headquartered in Woodbridge, New Jersey.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$587.20M

EPS0.0198

P/E Ratio710.10

Earnings Date07/29/2026

5.75B

Assets

3Y+3.0%

5Y+4.0%

10Y+49.0%

5.06B

Total Liabilities

3Y+3.0%

5Y+6.0%

10Y+57.0%

690.06M

Total Equity

-2%

3Y-2.0%

5Y-8.0%

10Y+11.0%

Northfield Bancorp, Inc. Funding & Solvency Profile

NFBK · NASDAQ

Current Assets

Cash & Cash Equivalents12.05M

Net Receivables20.12M

Inventory0.00

Other Current Assets0.00

Total Current Assets1 B

Non-Current Assets

Property, Plant & Equipment45.73M

Goodwill & Intangible Assets0.00

Long-Term Investments3.83B

Other Non-Current Assets-3.83B

Total Non-Current Assets46 M

Total Assets

5.75B

Financial Health Analysis

Current Ratio

0.36x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

7.34x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-2571221000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

25% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

Northfield Bancorp, Inc. Balance Sheet

NFBK • NASDAQ

Northfield Bancorp, Inc. Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009	Dec 2008	Dec 2007	Dec 2006
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	12.1M	167.7M	229.5M	45.8M	91.1M	87.5M	147.8M	77.8M	57.8M	96.1M	51.9M	76.7M	61.2M	128.8M	65.3M	43.9M	42.5M	103.8M	25.1M	46.6M
Short-Term Investments	1.4B	1.1B	795.5M	952.2M	1.2B	1.3B	1.1B	808M	515.1M	498.9M	541.6M	771.2M	937.1M	1.3B	1.1B	0.0	0.0	0.0	0.0	0.0
Cash & Short-Term Investments	1.4B	1.3B	1B	998M	1.3B	1.4B	1.3B	885.8M	573M	595M	593.4M	847.9M	998.3M	1.4B	1.2B	43.9M	42.5M	103.8M	25.1M	46.6M
Net Receivables	20.1M	19.1M	18.5M	17.4M	14.6M	14.7M	14.6M	13M	10.7M	9.7M	8.3M	8M	8.1M	8.2M	8.6M	7.9M	8.1M	8.3M	5.6M	5.6M
Accounts Receivables	20.1M	19.1M	18.5M	17.4M	14.6M	14.7M	14.6M	13M	10.7M	9.7M	8.3M	8M	8.1M	8.2M	8.6M	7.9M	8.1M	8.3M	5.6M	5.6M
Total Current Assets	1.4B	1.3B	1B	1B	1.3B	1.4B	1.3B	898.8M	582.3M	604.7M	601.7M	856M	1B	1.4B	1.2B	51.7M	50.6M	112.1M	30.7M	52.2M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	45.7M	49.8M	55M	59.1M	59.9M	64.9M	65.2M	25.6M	25.7M	26.9M	23.6M	26.2M	29.1M	29.8M	20M	16.1M	12.7M	8.9M	7.7M	8.2M
Goodwill	0.0	41M	41M	41M	41M	41.3M	38.4M	38.4M	38.4M	38.4M	16.2M	16.2M	16.2M	16.2M	16.2M	16.2M	16.2M	16.2M	5.6M	5.6M
Goodwill & Intangible Assets	0.0	41M	41M	41M	41M	41.3M	38.4M	38.4M	38.4M	38.4M	16.2M	16.2M	16.2M	16.2M	16.2M	16.2M	16.2M	16.2M	16.2M	16.2M
Long-Term Investments	3.8B	4B	4.2B	4.2B	3.8B	3.8B	3.4B	3.2B	3.1B	3B	2.4B	1.9B	1.5B	1.2B	1.1B	2.1B	1.9B	1.6B	1.2B	1.1B
Tax Assets	0.0	0.0	0.0	0.0	26.7M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Non-Current Assets	-3.8B	272.5M	272.3M	263.5M	210.9M	228.2M	230.5M	217.2M	219M	226.4M	201.8M	202.2M	187.2M	130.5M	113M	106.9M	70.4M	67.3M	87.3M	71.5M
Total Non-Current Assets	45.7M	4.4B	4.6B	4.6B	4.1B	4.1B	3.8B	3.5B	3.4B	3.2B	2.6B	2.2B	1.7B	1.4B	1.2B	2.2B	2B	1.6B	1.4B	1.2B
Other Assets	4.3B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Assets	5.8B	5.7B	5.6B	5.6B	5.4B	5.5B	5.1B	4.4B	4B	3.9B	3.2B	3B	2.7B	2.8B	2.4B	2.2B	2B	1.8B	1.4B	1.3B
LIABILITIES
CURRENT LIABILITIES
Accrued Expenses	0.0	0.0	18.8M	39M	34.8M	29.8M	30.1M	28.6M	29.2M	29.8M	20.9M	19.8M	17.2M	18.9M	16.6M	85.7M	13.7M	10.8M	0.0	0.0
Short Term Debt	564.5M	0.0	25M	25M	50M	75M	75M	0.0	2M	8M	63M	203.2M	181M	226M	276M	243M	200M	170M	22.4M	22.5M
Capital Lease Obligations (Current)	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	2.3M	0.0	0.0
Other Current Liabilities	3.5B	4.1B	3.9B	4.2B	4.2B	4.1B	3.4B	3.3B	2.8B	2.7B	2.1B	1.6B	1.5B	2B	1.5B	1.4B	1.3B	1B	877.2M	989.8M
Total Current Liabilities	4B	4.1B	3.9B	4.2B	4.3B	4.2B	3.5B	3.3B	2.9B	2.8B	2.1B	1.8B	1.7B	2.2B	1.8B	1.7B	1.5B	1.2B	899.6M	1B
NON-CURRENT LIABILITIES
Long Term Debt	961.9M	727.8M	801M	619.9M	371.8M	516.8M	782M	408.9M	469.5M	464.7M	495.1M	575.5M	289.3M	191.7M	204.2M	148.2M	79.4M	162.1M	0.0	0.0
Deferred Tax Liabilities (Non-Current)	0.0	0.0	0.0	0.0	0.0	0.0	0.0	2.3M	3.2M	2.6M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Non-Current Liabilities	4.1B	63.2M	159.3M	26M	24.9M	19.7M	20M	18M	14.8M	12.3M	10.9M	7.8M	6.4M	3.5M	2.2M	693K	757K	1.5M	119.9M	118.4M
Total Non-Current Liabilities	5.1B	823.2M	995.5M	685.6M	436.5M	579.2M	846.1M	426.9M	484.3M	477.5M	506M	583.3M	295.8M	196.6M	208.1M	148.2M	79.4M	163.6M	119.9M	118.4M
Capital Lease Obligations	29.6M	32.2M	35.2M	39.8M	39.9M	42.7M	44.1M	44K	299K	523K	727K	907K	1.2M	1.5M	1.7M	0.0	0.0	2.3M	0.0	0.0
Total Liabilities	5.1B	5B	4.9B	4.9B	4.7B	4.8B	4.4B	3.7B	3.4B	3.2B	2.6B	2.4B	2B	2.4B	2B	1.9B	1.6B	1.4B	1B	1.1B
SHAREHOLDERS' EQUITY
Treasury Stock	-307.5M	-294.7M	-278.6M	-243.9M	-217.1M	-169.9M	-160.8M	-152.8M	-164M	-167.8M	-170.9M	-128.6M	-3.6M	-70M	-65.8M	-28M	-19.9M	0.0	0.0	0.0
Common Stock	648K	648K	648K	648K	648K	648K	609K	609K	609K	609K	582K	582K	582K	469K	456K	456K	456K	448K	448K	0.0
Additional Paid-In Capital	592.5M	591.3M	591M	590.2M	590M	590.5M	548.5M	546.2M	548.9M	547.9M	501.5M	499.6M	508.6M	230.3M	209.3M	205.9M	202.5M	199.5M	199.4M	510K
Retained Earnings	420.4M	440.8M	433.2M	418.4M	381.4M	338.1M	322.6M	302.5M	281.1M	268.2M	256.2M	248.9M	242.2M	249.9M	235.8M	222.7M	212.2M	203.1M	188M	177.7M
Accumulated Other Comprehensive Income/Loss	-4.2M	-20.3M	-32.4M	-48.3M	2.1M	13.2M	4.7M	-9.1M	-5.5M	-4.3M	-3M	-765K	-4.7M	18.2M	17.5M	10.9M	12.1M	-17K	-20.5M	-14.2M
Other Total Stockholders' Equity	-11.7M	-13M	-14.3M	-15.7M	-17.1M	-18.5M	-19.7M	-21M	-22.2M	-23.5M	-24.7M	-25.8M	-27M	-14M	-14.6M	-15.2M	-15.8M	-16.4M	0.0	0.0
Total Stockholders' Equity	690.1M	704.7M	699.4M	701.4M	739.9M	754M	695.9M	666.4M	638.9M	621.2M	559.8M	593.9M	716.1M	414.9M	382.7M	396.7M	391.5M	386.6M	367.3M	164M
Total Equity	690.1M	704.7M	699.4M	701.4M	739.9M	754M	695.9M	666.4M	638.9M	621.2M	559.8M	593.9M	716.1M	414.9M	382.7M	396.7M	391.5M	386.6M	367.3M	164M
SUMMARY
Total Liabilities & Equity	5.8B	5.7B	5.6B	5.6B	5.4B	5.5B	5.1B	4.4B	4B	3.9B	3.2B	3B	2.7B	2.8B	2.4B	2.2B	2B	1.8B	1.4B	1.3B
Total Investments	4.6B	5.1B	5B	5.2B	5B	5.1B	4.6B	4B	3.6B	3.5B	2.9B	2.7B	2.4B	2.5B	2.2B	2.1B	1.9B	1.6B	1.2B	1.1B
Total Debt	991.5M	760.1M	861.2M	684.6M	461.6M	634.5M	901.1M	408.9M	469.5M	473.2M	558.1M	778.7M	470.3M	419.1M	481.9M	391.2M	279.4M	334.4M	22.4M	22.5M
Net Debt	979.5M	592.3M	631.7M	638.8M	370.5M	547M	753.3M	331.1M	411.7M	377.1M	506.3M	701.9M	409.1M	290.4M	416.7M	347.4M	236.9M	230.6M	-2.7M	-24.1M
Shares Outstanding	41,810,525	41,810,525	41,810,525	41,810,525	41,810,525	41,810,525	41,810,525	41,810,525	41,810,525	41,810,525	41,810,525	41,810,525	41,810,525	41,810,525	41,810,525	41,810,525	41,810,525	41,810,525	41,810,525	41,810,525

SEC Filings

NFBK - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
10-Q 10-Q 2026 Q1 Q1	May 11, 2026	March 31, 2026	2026	View Filing
10-K/A 10-K/A 2025 FY (Amended) FY	April 28, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	April 21, 2026	April 20, 2026	2026	View Filing
10-K 10-K 2025 FY FY	March 02, 2026	December 31, 2025	2025	View Filing
8-K/A 8-K/A 2026 (Amended) N/A	February 09, 2026	February 09, 2026	2026	View Filing
8-K 8-K 2026 N/A	February 06, 2026	February 04, 2026	2026	View Filing
8-K 8-K 2026 N/A	February 03, 2026	February 02, 2026	2026	View Filing
8-K 8-K 2026 N/A	February 02, 2026	January 31, 2026	2026	View Filing
8-K 8-K 2025 N/A	November 10, 2025	November 10, 2025	2025	View Filing
10-Q 10-Q 2025 Q3 Q3	November 07, 2025	September 30, 2025	2025	View Filing

Showing 1 to 10 of 274 filings

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