NFBK vs FFIC

For growth investors, Northfield Bancorp, Inc.

(NFBK) is the stronger pick with 13. 9% revenue growth year-over-year, versus 11. 1% for Flushing Financial Corporation (FFIC). Northfield Bancorp, Inc. (NFBK) offers the better valuation at 19. 5x trailing P/E (10. 4x forward), making it the more compelling value choice. Analysts rate Northfield Bancorp, Inc. (NFBK) a "Hold" — based on 9 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

On trailing P/E, Northfield Bancorp, Inc.

(NFBK) is the cheapest at 19. 5x versus Flushing Financial Corporation at 29. 9x. On forward P/E, Northfield Bancorp, Inc. is actually cheaper at 10. 4x.

Over the past 5 years, Northfield Bancorp, Inc.

(NFBK) delivered a total return of -0. 3%, compared to -14. 0% for Flushing Financial Corporation (FFIC). Over 10 years, the gap is even starker: FFIC returned +25. 8% versus NFBK's +19. 1%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), Northfield Bancorp, Inc.

(NFBK) is the lower-risk stock at 1. 00β versus Flushing Financial Corporation's 1. 08β — meaning FFIC is approximately 8% more volatile than NFBK relative to the S&P 500. On balance sheet safety, Flushing Financial Corporation (FFIC) carries a lower debt/equity ratio of 84% versus 108% for Northfield Bancorp, Inc. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Northfield Bancorp, Inc.

(NFBK) is pulling ahead at 13. 9% versus 11. 1% for Flushing Financial Corporation (FFIC). On earnings-per-share growth, the picture is similar: Flushing Financial Corporation grew EPS 151. 4% year-over-year, compared to -16. 3% for Northfield Bancorp, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

Northfield Bancorp, Inc.

(NFBK) is the more profitable company, earning 11. 9% net margin versus 4. 2% for Flushing Financial Corporation — meaning it keeps 11. 9% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: NFBK leads at 16. 1% versus 7. 6% for FFIC. At the gross margin level — before operating expenses — NFBK leads at 49. 1%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

On forward earnings alone, Northfield Bancorp, Inc.

(NFBK) trades at 10. 4x forward P/E versus 11. 5x for Flushing Financial Corporation — 1. 1x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for FFIC: 3. 6% to $16. 75.

All stocks in this comparison pay dividends.

Flushing Financial Corporation (FFIC) offers the highest yield at 5. 4%, versus 3. 7% for Northfield Bancorp, Inc. (NFBK).

For long-horizon retirement investors, Northfield Bancorp, Inc.

(NFBK) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1. 00), 3. 7% yield). Both have compounded well over 10 years (NFBK: +19. 1%, FFIC: +25. 8%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.

These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.