NFBK logo

NORTHFIELD BANCORP INC

NFBKNASDAQ
πŸ† #2798 by market capEarnings Oct 20US Equity
$839.12β–² $55.05 (+6.56%)
Simulated price
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24hβ–² 6.6%
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🏦Market Cap
$639M
Small Cap
πŸ“ˆRevenue Growth (YoY)
-26.7%
Declining
πŸ“ŠGross Margin
57.2%
Healthy
πŸ’΅FCF Margin
23.7%
Strong
βš–οΈP/S Ratio
2.4x
Cheap
Otter Score
76
Good
No chart data available for NFBK.

Trading Snapshot

Day Range
$826.73 – $843.20
52-Week Range
$9.91 – $15.61
Volume
$2.98B
Avg Volume
$2.52B
Shares Outstanding
41.8M
Next Earnings
Dec 7, 2026

Fundamentals Snapshot

Annual Revenue
$184M
Last Q Revenue
$63M
P/E Ratio
127.6
P/S Ratio
2.4x
EPS (TTM)
$0.12
Dividend Yield
3.40%
Dilution (1yr)
βˆ’3.0%

Why Investors Own NFBK

  • βœ“High-growth profile β€” revenue up +13.3% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 78% gross margin and 28% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

NFBK logo

NORTHFIELD BANCORP INC

NFBK
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$184Mβ–Ό βˆ’26.7% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
35.3%β–Ό βˆ’28.0% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$17Mβ–Ό βˆ’57.9% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$53Mβ–² +75.4% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
39.8Mβ–Ό βˆ’3.0% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$828Mβ–Ό βˆ’$235M YoY
StockOtter Β· stockotter.space

About NORTHFIELD BANCORP INC

Northfield Bancorp, Inc. acts as the holding company for Northfield Bank, providing a diverse array of financial services primarily to individual consumers and business clients. The institution offers a wide selection of deposit products, including certificates of deposit, traditional passbook and statement savings accounts, and money market accounts. Its transactional services feature negotiable order of withdrawal (NOW) accounts, alongside both interest-bearing and non-interest-bearing checking options. Furthermore, it manages individual retirement accounts (IRAs) and accepts brokered deposits. Beyond deposits, Northfield Bank extends various lending solutions. These encompass financing for multifamily and other commercial real estate properties, construction and land development projects, and general commercial and industrial loans. For residential customers, it provides one-to-four family home loans, in addition to home equity loans and lines of credit. The company strategically acquires various investment securities, such as mortgage-backed securities and corporate bonds, and places funds with other financial institutions. Its asset portfolio also comprises mortgage loans, additional mortgage-backed securities, and diverse other investments. As of December 31, 2021, Northfield Bancorp operated 38 full-service banking branches. These offices are located across Staten Island and Brooklyn, New York, as well as throughout Hunterdon, Middlesex, Mercer, and Union counties in New Jersey. Northfield Bancorp, Inc. was established in 1887 and maintains its corporate headquarters in Woodbridge, New Jersey.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Good
76/100

Analyst Price Target

β“˜
Average Target
$873.78
β–² +4.1% Upside
High Target$1,098.67
Low Target$780.46
Based on 24 analysts

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