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Northfield Bancorp, Inc. (Staten Island, NY) NFBK
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 9.83
-0.304 %
$ 424 M
Market Cap
13.65
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one NFBK stock under the worst case scenario is HIDDEN Compared to the current market price of 9.83 USD, Northfield Bancorp, Inc. (Staten Island, NY) is HIDDEN

NFBK Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one NFBK stock under the base case scenario is HIDDEN Compared to the current market price of 9.83 USD, Northfield Bancorp, Inc. (Staten Island, NY) is HIDDEN

NFBK Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one NFBK stock under the best case scenario is HIDDEN Compared to the current market price of 9.83 USD, Northfield Bancorp, Inc. (Staten Island, NY) is HIDDEN

NFBK Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart NFBK

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1M -16%
6M -11%
1Y 23%
3Y -20%
5Y 18%
All
$14.0$14.0$13.5$13.5$13.0$13.0$12.5$12.5$12.0$12.0$11.5$11.5$11.0$11.0$10.5$10.5$10.0$10.0$9.5$9.515 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
238 M REVENUE
74.21%
Growth Rates
1Year 74.21%
3Years 11.83%
5Years 13.45%
7Years 10.20%
10Years 10.87%
233 M OPERATING INCOME
350.43%
Growth Rates
1Year 350.43%
3Years 33.89%
5Years 34.47%
7Years 17.43%
10Years 17.25%
29.9 M NET INCOME
-20.50%
Growth Rates
1Year -20.50%
3Years -24.88%
5Years -5.74%
7Years 2.75%
10Years 3.98%
31.1 M OPERATING CASH FLOW
-33.78%
Growth Rates
1Year -33.78%
3Years -21.69%
5Years -9.47%
7Years -4.72%
10Years 1.92%
-118 M INVESTING CASH FLOW
-61.12%
Growth Rates
1Year -61.12%
3Years -33.78%
5Years 25.68%
7Years 6.56%
10Years 8.78%
25.6 M FINANCING CASH FLOW
144.85%
Growth Rates
1Year 144.85%
3Years 29.57%
5Years -45.68%
7Years -18.65%
10Years -21.45%
59.7 M REVENUE
104.07%
Growth Rates
1Year 74.21%
3Years 11.83%
5Years 13.45%
7Years 10.20%
10Years 10.87%
58.7 M OPERATING INCOME
436.37%
Growth Rates
1Year 350.43%
3Years 33.89%
5Years 34.47%
7Years 17.43%
10Years 17.25%
11.3 M NET INCOME
72.48%
Growth Rates
1Year -20.50%
3Years -24.88%
5Years -5.74%
7Years 2.75%
10Years 3.98%
6 M OPERATING CASH FLOW
-57.05%
Growth Rates
1Year -33.78%
3Years -21.69%
5Years -9.47%
7Years -4.72%
10Years 1.92%
-5.82 M INVESTING CASH FLOW
-5.65%
Growth Rates
1Year -61.12%
3Years -33.78%
5Years 25.68%
7Years 6.56%
10Years 8.78%
-65.4 M FINANCING CASH FLOW
-74.46%
Growth Rates
1Year 144.85%
3Years 29.57%
5Years -45.68%
7Years -18.65%
10Years -21.45%
Balance Sheet Northfield Bancorp, Inc. (Staten Island, NY)
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Current Assets 1.13 B
Cash & Short-Term Investments 1.11 B
Receivables 19.1 M
Other Current Assets 0
Non-Current Assets 123 M
Long-Term Investments 0
PP&E 49.8 M
Other Non-Current Assets 73.2 M
88.69 %3.96 %5.83 %Total Assets$1.3b
Current Liabilities 0
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 0
Non-Current Liabilities 728 M
Long-Term Debt 760 M
Other Non-Current Liabilities -32.2 M
104.43 %Total Liabilities$727.8m
EFFICIENCY
Earnings Waterfall Northfield Bancorp, Inc. (Staten Island, NY)
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Revenue 238 M
Cost Of Revenue 0
Gross Profit 238 M
Operating Expenses 4.76 M
Operating Income 233 M
Other Expenses 203 M
Net Income 29.9 M
250m250m200m200m150m150m100m100m50m50m00238m0238m(5m)233m(203m)30mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
Averages
1Year 100.00%
3Years 99.67%
5Years 99.80%
7Years 99.86%
10Years 99.90%
98.00% OPERATING MARGIN
98.00%
Averages
1Year 98.00%
3Years 66.60%
5Years 58.46%
7Years 58.00%
10Years 58.00%
12.59% NET MARGIN
12.59%
Averages
1Year 12.59%
3Years 25.64%
5Years 28.93%
7Years 30.00%
10Years 27.53%
4.25% ROE
4.25%
Averages
1Year 4.25%
3Years 6.12%
5Years 6.56%
7Years 6.37%
10Years 5.62%
0.53% ROA
0.53%
Averages
1Year 0.53%
3Years 0.76%
5Years 0.85%
7Years 0.85%
10Years 0.79%
13.73% ROIC
13.73%
Averages
1Year 13.73%
3Years -1.09%
5Years -37.31%
7Years -25.62%
10Years -17.54%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Northfield Bancorp, Inc. (Staten Island, NY)
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90m90m80m80m70m70m60m60m50m50m40m40m30m30m20m20m10m10m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 29.9 M
Depreciation & Amortization 5.98 M
Capital Expenditures 0
Stock-Based Compensation 4.25 M
Change in Working Capital 0
Others -19.1 M
Free Cash Flow 31.1 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Northfield Bancorp, Inc. (Staten Island, NY)
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NFBK has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
1.13% DIVIDEND YIELD
0.13 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.600.600.500.500.400.400.300.300.200.200.100.100.000.000.070.070.080.10.10.110.110.130.130.130.130.070.080.080.10.110.110.130.130.130.130.070.080.080.10.110.110.130.130.130.130.070.280.080.310.10.340.10.400.110.430.110.440.130.500.130.520.130.520.130.520.132015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 11
6. Ownership
Insider Ownership Northfield Bancorp, Inc. (Staten Island, NY)
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Sold
0-3 MONTHS
131 K USD 1
3-6 MONTHS
293 K USD 1
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
598 K USD 9
9-12 MONTHS
7. News
Northfield Bancorp (NFBK) Q4 Earnings and Revenues Top Estimates Northfield Bancorp (NFBK) came out with quarterly earnings of $0.21 per share, beating the Zacks Consensus Estimate of $0.19 per share. This compares to earnings of $0.19 per share a year ago. zacks.com - 2 months ago
Northfield Bancorp, Inc. Announces Fourth Quarter and Year End 2024 Results NOTABLE ITEMS FOR THE QUARTER: DILUTED EARNINGS PER SHARE OF $0.27 FOR THE FOURTH QUARTER OF 2024 , COMPARED TO $0.16 FOR THE TRAILING QUARTER, AND $0.19 FOR THE FOURTH QUARTER OF 2023. Fourth Quarter 2024 results included a gain of $0.06 per share on the sale and consolidation of a Staten Island branch in December 2024. globenewswire.com - 2 months ago
Steve M. Klein, Chairman and CEO of Northfield Bank, Elected to the Board of Directors of the Federal Home Loan Bank of New York WOODBRIDGE, N.J., Dec. 17, 2024 (GLOBE NEWSWIRE) -- Northfield Bank, wholly-owned subsidiary of Northfield Bancorp, Inc. (NASDAQ: NFBK), announced today that Steven M. Klein, Chairman and Chief Executive Officer, has been elected to the Board of Directors of the Federal Home Loan Bank of New York (the “FHLBNY”) for a four-year term. globenewswire.com - 3 months ago
Northfield Bancorp (NFBK) Matches Q3 Earnings Estimates Northfield Bancorp (NFBK) came out with quarterly earnings of $0.16 per share, in line with the Zacks Consensus Estimate. This compares to earnings of $0.19 per share a year ago. zacks.com - 5 months ago
Northfield Bancorp, Inc. Announces Third Quarter 2024 Results NOTABLE ITEMS FOR THE QUARTER INCLUDE: DILUTED EARNINGS PER SHARE WERE $0.16 FOR THE CURRENT QUARTER COMPARED TO $0.14 FOR THE TRAILING QUARTER, AND $0.19 FOR THE THIRD QUARTER OF 2023. NET INTEREST MARGIN REMAINED RELATIVELY STABLE AT 2.08% FOR THE CURRENT QUARTER AS COMPARED TO 2.09% FOR THE TRAILING QUARTER. globenewswire.com - 5 months ago
Northfield (NFBK) Upgraded to Strong Buy: What Does It Mean for the Stock? Northfield (NFBK) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #1 (Strong Buy). zacks.com - 6 months ago
John P. Connors, Jr. Named Chair of the Northfield Bank Foundation STATEN ISLAND, N.Y., Sept. 18, 2024 (GLOBE NEWSWIRE) -- The Northfield Bank Foundation announced today that John P. globenewswire.com - 6 months ago
Northfield Bancorp: The 24% Discount To Tangible Book Value Is Appealing Northfield Bancorp's net interest income is under pressure due to rising interest expenses, impacting overall profitability despite a strong loan book. The bank's conservative asset management results in lower returns but enhances its safety profile, with a significant portion of assets in cash and low-risk securities. Northfield trades at a discount to its tangible book value, making it appealing despite a high earnings multiple, with potential for future earnings growth. seekingalpha.com - 7 months ago
Northfield Bancorp (NFBK) Q2 Earnings and Revenues Top Estimates Northfield Bancorp (NFBK) came out with quarterly earnings of $0.17 per share, beating the Zacks Consensus Estimate of $0.14 per share. This compares to earnings of $0.22 per share a year ago. zacks.com - 8 months ago
Northfield Bancorp, Inc. Announces Second Quarter 2024 Results NOTABLE ITEMS FOR THE QUARTER INCLUDE: DILUTED EARNINGS PER SHARE WERE $0.14 FOR THE CURRENT QUARTER COMPARED TO $0.15 FOR THE TRAILING QUARTER, AND $0.22 FOR THE SECOND QUARTER OF 2023. RESULTS INCLUDE $0.03 PER SHARE IN EXPENSES ASSOCIATED WITH SEVERANCE PAYMENTS AND DEFERRED TAX ASSET WRITE-OFFS RELATED TO EXPIRED STOCK OPTIONS. globenewswire.com - 8 months ago
Steve M. Klein, President and CEO of Northfield Bank, Elected to the Board of Directors of the Federal Home Loan Bank of New York WOODBRIDGE, N.J., July 16, 2024 (GLOBE NEWSWIRE) -- Northfield Bank, wholly-owned subsidiary of Northfield Bancorp, Inc. (NASDAQ: NFBK), announced today that Steven M. Klein, President and Chief Executive Officer, has been named to the Board of Directors of the Federal Home Loan Bank of New York (the “FHLBNY”). globenewswire.com - 8 months ago
Northfield Bancorp (NFBK) Announces New $10M Repurchase Plan Northfield Bancorp (NFBK) announces a new share repurchase program worth $10 million, with no set expiration date. Its strong liquidity position is expected to help sustain the capital distributions. zacks.com - 9 months ago
8. Profile Summary

Northfield Bancorp, Inc. (Staten Island, NY) NFBK

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 424 M
Dividend Yield 1.13%
Description 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.
Contact 581 Main Street, Woodbridge, NJ, 07095 https://www.enorthfield.com
IPO Date Nov. 8, 2007
Employees 357
Officers Mr. Damien D. Kane Senior Vice President & Director of Marketing Mr. Steven M. Klein CPA President, Chief Executive Officer & Chairman Ms. Judith Calabrese Senior Vice President & Assistant Corporate Secretary Mr. William R. Jacobs CPA Executive Vice President & Chief Financial Officer Ms. Robin Lefkowitz Executive Vice President, Chief Branch Administration, Deposit Operations & Business Development Officer Ms. Susan Aufiero-Peters Esq. Senior Vice President, General Counsel & Corporate Secretary Ms. Vickie Tomasello Executive Vice President & Chief Risk Officer Mr. David V. Fasanella Executive Vice President & Chief Lending Officer