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Company Analysis

Northfield Bancorp, Inc. NFBK

A comprehensive view of key metrics, scores, and financial health for Northfield Bancorp, Inc.

Overview of Northfield Bancorp, Inc. (Staten Island, NY)

NFBK NMS
Financial Services Banks - Regional Small Cap
Northfield Bancorp, Inc. (Staten Island, NY) (NFBK), is a Small Cap company, in the Banks - Regional industry, last closed at $12.97, about 44.3% undervalued vs fair value, +14.0% 1Y return, ranked 408/1004 in sector.
$12.97
-0.69%
As of March 13, 2026
Previous close • Vol 90d: 31.2%
52-Week Range
Market Cap
$557.10M
Enterprise Value
$1.57B
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://ir.enorthfield.com
HQ Woodbridge, NJ
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$10
$19
$35
Current: $12.97 +44% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$234.2M
13.9%%
Interest Expense
$111.7M
Net Interest Income
$110.8M
-8.9%%
Total Revenue
$184.2M
44.1%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
4.2%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$40.5M
135.3% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
2
Active Leaks
0/2
Improving
0
High Impact
1
Critical
Locked Leak
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Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Northfield Bancorp, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
23
/100
Weak
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
28
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing NFBK's balance between Growth (43.8%), Profitability (24.8%), and Safety (31.5%). Growth 44% Safety 31% Profitability 25%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

27th percentile vs peers
28
Key Signals
Rev Growth YoY 44.0% 37p Asset Growth YoY 1.6% 30p Revenue CAGR 3Y 3.5% 13p
Strengths

No notable strengths identified for this axis.

Risks

No significant risks identified for this axis.

Profitability

15th percentile vs peers
16
Key Signals
Strengths
Risks
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Safety

19th percentile vs peers
20
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Northfield Bancorp, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
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Base
$18.71
- - -
+44.3% vs current
Snapshot base estimate
Bull
-
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- upside
-
Fair Value Range Current: $-
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