NFBK - NASDAQ
Northfield Bancorp, Inc.
$14.06
-1.5%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.
At a Glance
Live SnapshotNorthfield Bancorp, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.
Cash Flow Quality Insight
Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.
Northfield Bancorp, Inc. Cash Flow Statement
NFBK • NASDAQ
| Northfield Bancorp, Inc. Cash Flow Statement | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
796K | 29.9M | 37.7M | 61.1M | 70.7M | 37M | 40.2M | 40.1M | 24.8M | 26.1M | 19.5M | 20.3M | 19.1M | 16M | 16.8M | 13.8M | 12.1M | 15.8M | 10.5M | 10.8M | |
0.0 | 8.3M | 8.5M | 8.4M | 8.5M | 8.4M | 8.9M | 3.3M | 3.6M | 4M | 3.6M | 4.1M | 4.1M | 3.2M | 2.4M | 2.1M | 2M | 1.9M | 1.8M | 2.3M | |
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 | -2.9M | -2.9M | -4.9M | -1K | -10.4M | -526K | |
0.0 | 4.2M | 4.4M | 4.1M | 3.6M | 3.2M | 5.6M | 7.8M | 8.7M | 9.6M | 8.9M | 4.7M | 5M | 3.9M | 3.9M | 3.8M | 3.6M | 644K | 0.0 | 0.0 | |
57.2M | -2M | 2.8M | 12.6M | -11.8M | 8.2M | -5.4M | 1.8M | -3.4M | -2.6M | -2.2M | -1.9M | 5.4M | 2.2M | 8.8M | 8.7M | 4.9M | 1.2M | 3.4M | -132K | |
(10.7M) | (7.4M) | (14.7M) | (22.1M) | (28.5M) | (0.0) | (11.1M) | (10.4M) | (12.9M) | (14.4M) | (10.8M) | (16.7M) | (16.2M) | (8M) | (9.5M) | (9.8M) | (10.4M) | (11.3M) | (0.0) | (0.0) | |
-4.3M | -9.4M | -6.4M | -3M | -6.3M | -1.6M | 1.9M | -207K | 9.9M | 565K | 2.5M | -1.4M | -3.7M | 2.6M | -1.6M | 131K | -2.5M | -14.3M | 6.1M | -1.7M | |
53.7M | 31.1M | 47M | 83.3M | 64.8M | 55.2M | 51.2M | 52.8M | 43.6M | 37.7M | 32.3M | 25.7M | 30M | 28M | 27.5M | 25.6M | 15.2M | 5.3M | 11.4M | 10.8M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
(0.0) | -1.2M | -3.6M | -2.6M | -1.6M | -3.1M | -3.6M | -2.9M | -2.1M | -932K | -802K | -809K | -2.9M | -8M | -6.1M | -5.4M | -5.5M | -2.7M | (576K) | -1.1M | |
(0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (72.9M) | (0.0) | (0.0) | (0.0) | (55.5M) | (0.0) | (0.0) | (0.0) | (4.7M) | (77.4M) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | |
(0.0) | -1.2B | -73.7M | -180.3M | -752.1M | (0.0) | -638M | -451.2M | -137.6M | -105.9M | -7.7M | -4.5M | -289.6M | -801.5M | -476.9M | -845.8M | -655.8M | -424.4M | -309.4M | -40.5M | |
0.0 | 895.8M | 247.5M | 347.2M | 785.3M | 0.0 | 323.3M | 151M | 120.6M | 207.4M | 225.9M | 174.1M | 591.1M | 660.2M | 587.5M | 804.4M | 568.5M | 368.2M | 245.1M | 204.9M | |
-128.4M | 175.8M | 23.7M | -444.6M | 53.4M | -201.7M | -204.5M | -103.3M | -171.4M | -253.7M | -429.1M | -465.7M | -286.1M | -100.2M | -171.3M | -134.1M | -140.8M | -278.5M | -42.3M | -26.3M | |
-128.4M | -118.5M | (193.9M) | -280.2M | (85M) | -131.9M | -522.7M | -406.4M | -190.5M | -97.6M | -211.6M | -296.9M | (12.6M) | -244.8M | (10.6M) | -180.8M | -236.6M | -337.4M | -106M | (137M) | |
FINANCING ACTIVITIES | ||||||||||||||||||||
-15.4M | -18.7M | -37.2M | -30.9M | -53.3M | -10.4M | -15.8M | -5K | 0.0 | -2.2M | -48.4M | -138.7M | 51M | -4.3M | -37.8M | -8.2M | -19.9M | 0.0 | 89.7M | 0.0 | |
233.8M | -192.9M | 275.4M | 60.9M | -170M | -265.2M | -44K | -255K | -224K | -204K | -179K | -272K | -289K | -251K | -217K | -187K | -160K | -136K | -114K | -151K | |
-21.2M | -21.8M | -22.8M | -24.1M | -24.3M | -21.5M | -20.2M | -18.7M | -15.6M | -14.1M | -12.2M | -12.9M | -26.9M | -1.7M | -3.7M | -3.3M | -3M | -738K | (0.0) | (0.0) | |
-15.4M | -18.7M | -37.2M | -30.9M | -53.3M | -10.4M | -15.8M | -5K | (0.0) | -2.2M | -48.4M | -138.7M | -3.6M | -4.3M | -37.8M | -8.2M | -19.9M | (0.0) | (0.0) | (0.0) | |
-126.4M | 259M | -272.6M | 145.7M | 101.4M | 313.5M | 577.7M | 392.4M | 124.5M | 120.6M | 215.3M | 438.5M | -134M | 286.6M | 25.1M | 168.3M | 236.9M | 358M | -30.5M | -125.4M | |
70.9M | 25.6M | -57.1M | 151.6M | -146.2M | 16.4M | 541.6M | 373.5M | 108.7M | 104.1M | 154.5M | 286.7M | -110.1M | 280.3M | -16.7M | 156.6M | 213.8M | 357.1M | 59.1M | -125.5M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
-3.8M | -61.8M | 183.7M | -45.3M | 3.5M | -60.3M | 70.1M | 19.9M | -38.2M | 44.2M | -24.9M | 15.5M | -67.5M | 63.5M | 21.4M | 1.3M | -7.6M | 25M | -35.5M | 22.3M | |
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 | 50.1M | 25.1M | 60.6M | 38.4M | |
164M | 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 | 50.1M | 25.1M | 60.6M | |
52.2M | 30M | 43.4M | 80.8M | 63.1M | 52.2M | 47.5M | 49.9M | 41.6M | 36.8M | 31.5M | 24.9M | 27.1M | 19.9M | 21.4M | 20.2M | 9.7M | 2.7M | 12M | 9.7M |
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 | |
10-K/A 10-K/A 2025 FY (Amended) FY | April 28, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | April 21, 2026 | April 20, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 02, 2026 | December 31, 2025 | 2025 | |
8-K/A 8-K/A 2026 (Amended) N/A | February 09, 2026 | February 09, 2026 | 2026 | |
8-K 8-K 2026 N/A | February 06, 2026 | February 04, 2026 | 2026 | |
8-K 8-K 2026 N/A | February 03, 2026 | February 02, 2026 | 2026 | |
8-K 8-K 2026 N/A | February 02, 2026 | January 31, 2026 | 2026 | |
8-K 8-K 2025 N/A | November 10, 2025 | November 10, 2025 | 2025 | |
10-Q 10-Q 2025 Q3 Q3 | November 07, 2025 | September 30, 2025 | 2025 |
Related Guides
Continue your NFBK research with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.