A Business at a Glance
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Northfield Bancorp, Inc.
NFBK
$609M
Mkt Cap
$15.31
+0.00%
Northfield Bancorp, Inc. (NFBK) has a current P/E ratio of 765.5, compared to its historical median P/E of 13.4. The stock is currently considered Expensive based on its historical valuation range.
Northfield Bancorp, Inc. (NFBK) has a 5-year average return on invested capital (ROIC) of 3.1%. This is below average and may indicate limited pricing power.
Northfield Bancorp, Inc. (NFBK) has a market capitalization of $609M. It is classified as a small-cap stock.
Yes, Northfield Bancorp, Inc. (NFBK) pays a dividend with a trailing twelve-month yield of 3.47%. The company also returns capital through share buybacks, with a buyback yield of 2.52%.
Based on historical P/E analysis, Northfield Bancorp, Inc. (NFBK) appears expensive. The current P/E of 765.5 is 5617% above its historical median of 13.4. The estimated fair value CAGR (P/E method) is -7.2%.
Northfield Bancorp, Inc. (NFBK) operates in the Savings Institution, Federally Chartered industry, within the Financials sector.
Forward-Looking Statements This Annual Report may contain certain “forward-looking statements,” which can be identified by the use of such words as “estimate,” “project,” “believe,” “intend,” “anticipate,” “plan,” “seek,” “expect,” “could,” “may,” “should,” “will,” and words of similar meaning. These forward-looking statements include, but are not limited to: •statements of our goals, intentions, and expectations; •statements regarding our business plans, prospects, growth and operating strategies; •statements regarding the quality of our loan and investment portfolios; •statements about our performance, financial condition and liquidity; and •estimates of our risks and future costs and benefits. These forward-looking statements are based on current beliefs and expectations of our management and are subject to significant business, economic and competitive uncertainties, and contingencies, many of which are beyond our control.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 266M | 266M | 255M | 221M | 188M | 187M |
| Net Income | 796K | 796K | 30M | 38M | 61M | 71M |
| EPS | $0.02 | $0.02 | $0.72 | $0.86 | $1.32 | $1.45 |
| Free Cash Flow | 53M | 53M | 30M | 43M | 81M | 63M |
| ROIC | 0.0% | 0.1% | 2.0% | 2.6% | 5.0% | 5.6% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.00 | 7.34 | 0.95 | 1.23 | 0.83 | 0.57 |
| Dividends/Share | $0.53 | $0.52 | $0.52 | $0.52 | $0.52 | $0.50 |
| Operating Income | 1.3M | 1.3M | 41M | 52M | 85M | 97M |
| Operating Margin | 0.5% | 0.5% | 15.9% | 23.5% | 45.2% | 52.0% |
| ROE | 0.1% | 0.1% | 4.3% | 5.4% | 8.5% | 9.5% |
| Shares Outstanding | 40M | 40M | 42M | 44M | 46M | 49M |
| Metric | 2018 | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 100M | 110M | 135M | 145M | 119M | 180M | 180M | 187M | 188M | 221M | 255M | 266M | 266M |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 26M | 30M | 40M | 38M | 67M | 40M | 41M | 44M | 42M | 46M | 49M | 51M | 51M |
| EBIT | 32M | 32M | 40M | 52M | N/A | 53M | 50M | 97M | 85M | 52M | 41M | 1.3M | 1.3M |
| Op. Margin | 32.1% | 28.7% | 29.5% | 35.8% | N/A | 29.5% | 27.9% | 52.0% | 45.2% | 23.5% | 15.9% | 0.5% | 0.5% |
| Net Income | 20M | 20M | 26M | 25M | 40M | 40M | 37M | 71M | 61M | 38M | 30M | 796K | 796K |
| Net Margin | 20.2% | 17.8% | 19.3% | 17.1% | 33.6% | 22.4% | 20.6% | 37.8% | 32.6% | 17.1% | 11.8% | 0.3% | 0.3% |
| Non-Recurring | 123K | 1.0M | 562K | 246K | 56K | 116K | 69K | 43K | 8K | 0 | 3.4M | 41M | 41M |
| Returns on Capital | |||||||||||||
| ROIC | 1.6% | 1.6% | 2.4% | 2.2% | N/A | 3.1% | 2.6% | 5.6% | 5.0% | 2.6% | 2.0% | 0.1% | 0.0% |
| ROE | 3.1% | 3.4% | 4.4% | 3.9% | 6.1% | 5.9% | 5.1% | 9.5% | 8.5% | 5.4% | 4.3% | 0.1% | 0.1% |
| ROA | 0.7% | 0.6% | 0.7% | 0.6% | 1.0% | 0.9% | 0.7% | 1.3% | 1.1% | 0.7% | 0.5% | 0.0% | 0.0% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 26M | 32M | 38M | 44M | 53M | 51M | 55M | 65M | 83M | 47M | 31M | 54M | 54M |
| Free Cash Flow | 25M | 32M | 37M | 42M | 50M | 48M | 52M | 63M | 81M | 43M | 30M | 53M | 53M |
| Owner Earnings | 17M | 20M | 24M | 31M | 847K | 42M | 48M | 57M | 75M | 39M | 23M | 45M | 45M |
| CapEx | 809K | 802K | 932K | 2.1M | 2.9M | 3.6M | 3.1M | 1.6M | 2.6M | 3.6M | 1.2M | 1.1M | 1.1M |
| Maint. CapEx | 4.0M | 3.6M | 4.0M | 3.6M | 44M | 3.9M | 4.1M | 4.1M | 3.8M | 3.8M | 3.7M | 3.2M | 3.2M |
| Growth CapEx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| D&A | 4.0M | 3.6M | 4.0M | 3.6M | 44M | 3.9M | 4.1M | 4.1M | 3.8M | 3.8M | 3.7M | 3.2M | 3.2M |
| CapEx/OCF | 3.1% | 2.5% | 2.5% | 4.7% | 5.5% | 7.1% | 5.5% | 2.5% | 3.1% | 7.7% | 3.7% | 2.1% | 2.1% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 13M | 12M | 14M | 16M | 19M | 20M | 21M | 24M | 24M | 23M | 22M | 21M | 21M |
| Dividend Yield | 2.9% | 2.7% | 2.7% | 2.7% | 3.4% | 3.6% | 4.8% | 3.8% | 4.2% | 5.1% | 5.2% | 4.9% | 3.5% |
| Share Buybacks | 139M | 48M | 2.2M | 0 | 5K | 16M | 10M | 53M | 31M | 37M | 19M | 15M | 15M |
| Buyback Yield | 27.7% | 9.8% | 0.3% | N/A | 0.0% | 2.6% | 2.2% | 8.1% | 5.0% | 7.4% | 4.1% | 3.3% | 2.5% |
| Stock-Based Comp | 4.7M | 8.9M | 9.6M | 8.7M | 7.8M | 5.6M | 3.2M | 3.6M | 4.1M | 4.4M | 4.2M | 5.0M | 5.0M |
| Debt Repayment | 513M | 471M | 316M | 443M | 460M | 759M | 636M | 170M | 120M | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | -69M | -35M | -122M | -100M | -477M | -429M | -761M | -878M | -414M | 630M | 495M | N/A | -164M |
| Cash & Equiv. | 77M | 52M | 96M | 58M | 78M | 148M | 88M | 91M | 46M | 230M | 168M | 164M | 164M |
| Long-Term Debt | 779M | 558M | 473M | 472M | 409M | 857M | 592M | 422M | 584M | 859M | 666M | N/A | N/A |
| Debt/Equity | 1.31 | 1.00 | 0.76 | 0.74 | 0.61 | 1.23 | 0.78 | 0.57 | 0.83 | 1.23 | 0.95 | 7.34 | 0.00 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0 |
| Equity | 594M | 560M | 621M | 639M | 666M | 696M | 754M | 740M | 701M | 699M | 705M | 690M | 690M |
| Total Assets | 3.0B | 3.2B | 3.9B | 4.0B | 4.4B | 5.1B | 5.5B | 5.4B | 5.6B | 5.6B | 5.7B | 5.8B | 5.8B |
| Total Liabilities | 2.4B | 2.6B | 3.2B | 3.4B | 3.7B | 4.4B | 4.8B | 4.7B | 4.9B | 4.9B | 5.0B | 5.1B | 5.1B |
| Intangibles | 16M | 16M | 38M | 38M | 38M | 38M | 41M | 41M | 41M | 41M | 41M | N/A | N/A |
| Retained Earnings | 249M | 256M | 268M | 281M | 303M | 323M | 338M | 381M | 418M | 433M | 441M | 420M | 420M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 0.41 | 0.45 | 0.57 | 0.53 | 0.85 | 0.85 | 0.76 | 1.45 | 1.32 | 0.86 | 0.72 | 0.02 | 0.02 |
| Owner EPS | 0.34 | 0.46 | 0.53 | 0.67 | 0.02 | 0.88 | 0.98 | 1.17 | 1.63 | 0.89 | 0.56 | 1.14 | 1.14 |
| Book Value | 12.02 | 12.90 | 13.55 | 13.67 | 14.13 | 14.70 | 15.49 | 15.18 | 15.15 | 15.97 | 16.94 | 17.34 | 17.34 |
| Cash Flow/Share | 0.52 | 0.74 | 0.82 | 0.93 | 1.12 | 1.08 | 1.13 | 1.33 | 1.80 | 1.07 | 0.75 | 1.35 | 0.10 |
| Dividends/Share | 0.26 | 0.28 | 0.31 | 0.34 | 0.40 | 0.43 | 0.44 | 0.50 | 0.52 | 0.52 | 0.52 | 0.52 | 0.53 |
| Shares Out. | 49.4M | 43.4M | 45.8M | 46.7M | 47.2M | 47.3M | 48.7M | 48.7M | 46.3M | 43.8M | 41.6M | 39.8M | 39.8M |
| Valuation | |||||||||||||
| P/E Ratio | 24.7 | 25.3 | 25.4 | 24.1 | 11.9 | 15.4 | 13.0 | 9.3 | 10.1 | 13.4 | 15.3 | 580.9 | 765.5 |
| P/FCF | 20.1 | 15.7 | 18.0 | 14.3 | 9.6 | 13.0 | 9.2 | 10.5 | 7.7 | 11.6 | 15.3 | 8.8 | 11.6 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 338.2 |
| Price/Book | 0.8 | 0.9 | 1.1 | 0.9 | 0.7 | 0.9 | 0.6 | 0.9 | 0.9 | 0.7 | 0.7 | 0.7 | 0.9 |
| Price/Sales | 5.3 | 5.1 | 4.6 | 4.9 | 4.6 | 4.4 | 3.1 | 3.7 | 3.5 | 3.2 | 3.2 | 2.8 | 2.3 |
| FCF Yield | 5.0% | 6.4% | 5.6% | 7.0% | 10.4% | 7.7% | 10.8% | 9.6% | 13.0% | 8.6% | 6.5% | 11.4% | 8.6% |
| Market Cap | 500M | 494M | 662M | 596M | 478M | 619M | 482M | 660M | 620M | 504M | 460M | 462M | 609M |
| Avg. Price | 9.04 | 10.48 | 11.45 | 12.61 | 11.66 | 11.76 | 9.14 | 13.09 | 12.40 | 10.11 | 10.09 | 10.92 | 15.31 |
| Year-End Price | 10.11 | 11.38 | 14.45 | 12.76 | 10.14 | 13.08 | 9.90 | 13.55 | 13.40 | 11.52 | 11.05 | 11.62 | 15.31 |
Northfield Bancorp, Inc. passes 1 of 9 quality checks, indicating weak fundamentals.
Northfield Bancorp, Inc. trades at 765.5x trailing earnings, compared to its 15-year median P/E of 13.4x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 12.2x vs a median of 11.0x. The company's 5-year average ROIC is 3.1%. Total shareholder yield (dividends + buybacks) is 6.0%. At current prices, the estimated annualized return to fair value is -1.3%.
Northfield Bancorp, Inc. (NFBK) reported annual revenue of $266 million in its most recent fiscal year, based on SEC EDGAR filings.
Northfield Bancorp, Inc. (NFBK) has a net profit margin of 0.3%. This is a modest margin.
Northfield Bancorp, Inc. (NFBK) generated $53 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
Northfield Bancorp, Inc. (NFBK) has a debt-to-equity ratio of 7.34. This indicates higher leverage, which may increase financial risk.
Northfield Bancorp, Inc. (NFBK) reported earnings per share (EPS) of $0.02 in its most recent fiscal year.
Northfield Bancorp, Inc. (NFBK) has a return on equity (ROE) of 0.1%. This indicates moderate shareholder returns.
The Ledger Terminal provides 16 years of financial data for Northfield Bancorp, Inc. (NFBK), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Northfield Bancorp, Inc. (NFBK) has a book value per share of $17.34, based on its most recent annual SEC filing.