Northfield Bancorp Financials

NFBK Stock  USD 11.27  0.06  0.53%   
Based on the analysis of Northfield Bancorp's profitability, liquidity, and operating efficiency, Northfield Bancorp is doing better financially today then in previous quarter. It has a moderate probability of reporting better financial numbers in April. At this time, Northfield Bancorp's Non Current Liabilities Total is quite stable compared to the past year. Long Term Investments is expected to rise to about 1.5 B this year, although the value of Other Current Liabilities will most likely fall to about 384.7 M. Key indicators impacting Northfield Bancorp's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.120.1259
Sufficiently Down
Slightly volatile
Return On Assets0.00850.0053
Way Up
Slightly volatile
Return On Equity0.05780.0425
Significantly Up
Slightly volatile
Debt Equity Ratio1.131.0786
Sufficiently Up
Pretty Stable
Operating Income244.8 M233.1 M
Sufficiently Up
Slightly volatile
Current Ratio75.0950.57
Way Up
Slightly volatile
The essential information of the day-to-day investment outlook for Northfield Bancorp includes many different criteria found on its balance sheet. An individual investor should monitor Northfield Bancorp's cash flow, debt, and profitability to accurately make informed decisions on whether to invest in Northfield Bancorp.

Net Income

27.13 Million

  

Northfield Bancorp Stock Summary

Northfield Bancorp competes with Finward Bancorp, Community West, First Financial, Home Bancorp, and Home Federal. operates as the bank holding company for Northfield Bank that provides various banking services primarily to individuals and corporate customers. was founded in 1887 and is headquartered in Woodbridge, New Jersey. Northfield Bncrp operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 379 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS66611T1088
CUSIP66611T108 66611L105
LocationNew Jersey; U.S.A
Business Address581 Main Street,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.enorthfield.com
Phone732 499 7200
CurrencyUSD - US Dollar

Northfield Bancorp Key Financial Ratios

Northfield Bancorp Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets5.5B5.4B5.6B5.6B5.7B3.5B
Other Current Liab2.4B2.6B2.5B352.1M404.9M384.7M
Net Debt472.0M320.5M613.8M969.6M592.3M327.7M
Retained Earnings338.1M381.4M418.4M433.2M440.8M293.0M
Cash87.5M91.1M45.8M(13.9M)167.7M176.1M
Other Assets2.8B2.8B3.5B1.04.4B3.3B
Net Receivables14.7M14.6M17.4M18.5M19.1M11.3M
Total Liab559.5M411.6M4.9B4.9B5.0B5.2B
Total Current Assets1.4B1.3B1.0B260.5M1.1B1.5B
Short Term Debt81.4M62.7M40.9M25M22.5M21.4M
Other Liab36.7M19.7M24.9M41.1M47.3M29.7M
Accounts Payable3.4B29.8M4.2B39.0M44.9M42.7M
Long Term Debt516.8M371.8M619.9M801.0M727.8M436.8M
Other Current Assets114.5M119.1M74.0M260.5M299.6M284.6M
Inventory(114.5M)(119.1M)(74.0M)(4.6M)(4.1M)(4.3M)
Treasury Stock(152.8M)(160.8M)(169.9M)(217.1M)(195.4M)(185.6M)
Net Tangible Assets657.4M712.7M698.4M660.4M759.4M619.4M

Northfield Bancorp Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense38.3M16.6M21.4M84.1M123.4M129.6M
Total Revenue141.3M170.1M166.3M208.8M237.9M249.8M
Gross Profit141.3M170.1M166.3M208.8M237.9M249.8M
Operating Income50.0M97.1M106.2M51.8M233.1M244.8M
Ebit54.6M101.5M89.5M51.8M59.5M57.7M
Ebitda58.7M105.6M93.3M51.8M59.5M60.8M
Income Before Tax50.0M97.1M84.9M51.8M40.5M39.8M
Net Income37.0M70.7M61.1M37.7M29.9M27.1M
Income Tax Expense13.0M26.5M23.7M14.1M10.6M10.9M
Tax Provision13.0M26.5M23.7M16.6M10.6M18.2M
Net Interest Income128.0M154.4M157.1M132.6M110.8M131.4M
Interest Income166.3M171.0M178.5M200.6M234.2M177.8M

Northfield Bancorp Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash(60.3M)3.5M(45.3M)183.7M(61.8M)(58.7M)
Free Cash Flow52.2M63.1M80.8M43.4M31.1M33.8M
Other Non Cash Items(3.2M)(3.6M)13.3M2.8M(10.3M)(9.8M)
Dividends Paid21.5M24.3M24.1M22.8M21.8M15.1M
Capital Expenditures3.1M1.6M2.6M3.6M1.2M1.1M
Net Income37.0M70.7M61.1M37.7M29.9M28.1M
End Period Cash Flow87.5M91.1M45.8M229.5M167.7M86.3M
Depreciation8.7M8.5M8.4M8.5M6.0M4.9M
Investments(207.6M)85.6M(279.3M)239.8M(118.5M)(124.4M)
Net Borrowings448.1M(265.2M)(170.0M)(59.1M)(53.2M)(50.5M)
Change To Netincome444K9.0M(4.4M)303K272.7K259.1K

Northfield Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Northfield Bancorp's current stock value. Our valuation model uses many indicators to compare Northfield Bancorp value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Northfield Bancorp competition to find correlations between indicators driving Northfield Bancorp's intrinsic value. More Info.
Northfield Bancorp is rated below average in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about  0.12  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Northfield Bancorp is roughly  8.06 . At this time, Northfield Bancorp's Return On Equity is quite stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value Northfield Bancorp by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

Northfield Bancorp Systematic Risk

Northfield Bancorp's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Northfield Bancorp volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was five with a total number of output elements of fifty-six. The Beta measures systematic risk based on how returns on Northfield Bancorp correlated with the market. If Beta is less than 0 Northfield Bancorp generally moves in the opposite direction as compared to the market. If Northfield Bancorp Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Northfield Bancorp is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Northfield Bancorp is generally in the same direction as the market. If Beta > 1 Northfield Bancorp moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Northfield Bancorp Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Northfield Bancorp's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Northfield Bancorp growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(1.04)

At this time, Northfield Bancorp's Price Earnings To Growth Ratio is quite stable compared to the past year.

Northfield Bancorp March 22, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Northfield Bancorp help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Northfield Bancorp. We use our internally-developed statistical techniques to arrive at the intrinsic value of Northfield Bancorp based on widely used predictive technical indicators. In general, we focus on analyzing Northfield Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Northfield Bancorp's daily price indicators and compare them against related drivers.
When determining whether Northfield Bancorp is a good investment, qualitative aspects like company management, corporate governance, and ethical practices play a significant role. A comparison with peer companies also provides context and helps to understand if Northfield Stock is undervalued or overvalued. This multi-faceted approach, blending both quantitative and qualitative analysis, forms a solid foundation for making an informed investment decision about Northfield Bancorp Stock. Highlighted below are key reports to facilitate an investment decision about Northfield Bancorp Stock:
Check out Correlation Analysis to better understand how to build diversified portfolios, which includes a position in Northfield Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics.
For more information on how to buy Northfield Stock please use our How to buy in Northfield Stock guide.
You can also try the Economic Indicators module to top statistical indicators that provide insights into how an economy is performing.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Northfield Bancorp. If investors know Northfield will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Northfield Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.436
Dividend Share
0.52
Earnings Share
0.72
Revenue Per Share
3.056
Quarterly Revenue Growth
0.077
The market value of Northfield Bancorp is measured differently than its book value, which is the value of Northfield that is recorded on the company's balance sheet. Investors also form their own opinion of Northfield Bancorp's value that differs from its market value or its book value, called intrinsic value, which is Northfield Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Northfield Bancorp's market value can be influenced by many factors that don't directly affect Northfield Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Northfield Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if Northfield Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Northfield Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.