NFBK
Northfield Bancorp, Inc.
Banks - Regional
Market Cap$587M
5Y Perf.+28.5%
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Stock Comparison
NFBK vs KRNY
Revenue, margins, valuation, and 5-year total return — side by side.
KRNY
Kearny Financial Corp.
Banks - Regional
Market Cap$510M
5Y Perf.-5.3%
NFBK vs KRNY — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | NFBK | KRNY |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $587M | $510M |
| Revenue (TTM) | $251M | $344M |
| Net Income (TTM) | $39M | $32M |
| Gross Margin | 49.1% | 44.1% |
| Operating Margin | 16.1% | 9.0% |
| Forward P/E | 10.4x | 13.0x |
| Total Debt | $760M | $1.26B |
| Cash & Equiv. | $168M | $167M |
NFBK vs KRNY — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
NFBK
KRNY
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Northfield Bancorp,… (NFBK) | 100 | 128.5 | +28.5% |
| Kearny Financial Co… (KRNY) | 100 | 94.7 | -5.3% |
Price return only. Dividends and distributions are not included.
Quick Verdict: NFBK vs KRNY
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: NFBK leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. Kearny Financial Corp. is the stronger pick specifically for capital preservation and lower volatility and dividend income and shareholder returns. As sector peers, any of these can serve as alternatives in the same allocation.
NFBK
Northfield Bancorp, Inc.
The Banking Pick
NFBK carries the broadest edge in this set and is the clearest fit for growth exposure and long-term compounding.
- Rev growth 13.9%, EPS growth -16.3%
- 19.1% 10Y total return vs KRNY's -7.0%
- NIM 2.0% vs KRNY's 1.7%
Best for: growth exposure and long-term compounding
KRNY
Kearny Financial Corp.
The Banking Pick
KRNY is the clearest fit if your priority is income & stability and sleep-well-at-night.
- Dividend streak 0 yrs, beta 0.83, yield 5.4%
- Lower volatility, beta 0.83, current ratio 1.20x
- Beta 0.83, yield 5.4%, current ratio 1.20x
Best for: income & stability and sleep-well-at-night
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | NFBK | 13.9% NII/revenue growth vs KRNY's 5.1% |
| Value | NFBK | Lower P/E (10.4x vs 13.0x) |
| Quality / Margins | NFBK | Efficiency ratio 0.3% vs KRNY's 0.4% (lower = leaner) |
| Stability / Safety | KRNY | Beta 0.83 vs NFBK's 1.00 |
| Dividends | KRNY | 5.4% yield, vs NFBK's 3.7% |
| Momentum (1Y) | KRNY | +35.4% vs NFBK's +30.1% |
| Efficiency (ROA) | NFBK | Efficiency ratio 0.3% vs KRNY's 0.4% |
NFBK vs KRNY — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2024
FY 2025
NFBK vs KRNY — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLNFBKLAGGINGKRNY
KRNYKearny Financial Corp.
0leads
NFBKNorthfield Bancorp, I…
3leads
6 Total Categories
CATEGORYLEADERvs KRNYMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
NFBK5/5
Valuation MetricsMultiples, price ratios, and targets
Tied
—
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
NFBK8/8
Total Returns1Y, 3Y, 5Y total returns with dividends
NFBK5/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
NFBK leads this category, winning 5 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
KRNY and NFBK operate at a comparable scale, with $344M and $251M in trailing revenue. Profitability is closely matched — net margins range from 11.9% (NFBK) to 7.6% (KRNY).
| Metric | NFBKNorthfield Bancor… | KRNYKearny Financial … |
|---|---|---|
| RevenueTrailing 12 months | $251M | $344M |
| EBITDAEarnings before interest/tax | $61M | $43M |
| Net IncomeAfter-tax profit | $39M | $32M |
| Free Cash FlowCash after capex | $42M | $40M |
| Gross MarginGross profit ÷ Revenue | +49.1% | +44.1% |
| Operating MarginEBIT ÷ Revenue | +16.1% | +9.0% |
| Net MarginNet income ÷ Revenue | +11.9% | +7.6% |
| FCF MarginFCF ÷ Revenue | +11.9% | +6.2% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +68.8% | +50.0% |
NFBK leads this category, winning 5 of 5 comparable metrics.
Valuation Metrics
Evenly matched — NFBK and KRNY each lead in 3 of 6 comparable metrics.
Valuation Metrics
At 19.3x trailing earnings, KRNY trades at a 1% valuation discount to NFBK's 19.5x P/E. On an enterprise value basis, NFBK's 24.2x EV/EBITDA is more attractive than KRNY's 44.6x.
| Metric | NFBKNorthfield Bancor… | KRNYKearny Financial … |
|---|---|---|
| Market CapShares × price | $587M | $510M |
| Enterprise ValueMkt cap + debt − cash | $1.2B | $1.6B |
| Trailing P/EPrice ÷ TTM EPS | 19.51x | 19.32x |
| Forward P/EPrice ÷ next-FY EPS est. | 10.41x | 12.98x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | 24.18x | 44.58x |
| Price / SalesMarket cap ÷ Revenue | 2.34x | 1.49x |
| Price / BookPrice ÷ Book value/share | 0.83x | 0.68x |
| Price / FCFMarket cap ÷ FCF | 19.61x | 23.86x |
Evenly matched — NFBK and KRNY each lead in 3 of 6 comparable metrics.
Profitability & Efficiency
NFBK leads this category, winning 8 of 8 comparable metrics.
Profitability & Efficiency
NFBK delivers a 5.5% return on equity — every $100 of shareholder capital generates $5 in annual profit, vs $4 for KRNY. NFBK carries lower financial leverage with a 1.08x debt-to-equity ratio, signaling a more conservative balance sheet compared to KRNY's 1.68x.
| Metric | NFBKNorthfield Bancor… | KRNYKearny Financial … |
|---|---|---|
| ROE (TTM)Return on equity | +5.5% | +4.3% |
| ROA (TTM)Return on assets | +0.7% | +0.4% |
| ROICReturn on invested capital | +2.0% | +1.1% |
| ROCEReturn on capital employed | +2.5% | +1.5% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 7 |
| Debt / EquityFinancial leverage | 1.08x | 1.68x |
| Net DebtTotal debt minus cash | $592M | $1.1B |
| Cash & Equiv.Liquid assets | $168M | $167M |
| Total DebtShort + long-term debt | $760M | $1.3B |
| Interest CoverageEBIT ÷ Interest expense | 0.46x | 0.22x |
NFBK leads this category, winning 8 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
NFBK leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in NFBK five years ago would be worth $9,970 today (with dividends reinvested), compared to $7,967 for KRNY. Over the past 12 months, KRNY leads with a +35.4% total return vs NFBK's +30.1%. The 3-year compound annual growth rate (CAGR) favors NFBK at 18.3% vs KRNY's 10.0% — a key indicator of consistent wealth creation.
| Metric | NFBKNorthfield Bancor… | KRNYKearny Financial … |
|---|---|---|
| YTD ReturnYear-to-date | +26.3% | +13.4% |
| 1-Year ReturnPast 12 months | +30.1% | +35.4% |
| 3-Year ReturnCumulative with dividends | +65.5% | +33.1% |
| 5-Year ReturnCumulative with dividends | -0.3% | -20.3% |
| 10-Year ReturnCumulative with dividends | +19.1% | -7.0% |
| CAGR (3Y)Annualised 3-year return | +18.3% | +10.0% |
NFBK leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
Evenly matched — NFBK and KRNY each lead in 1 of 2 comparable metrics.
Risk & Volatility
KRNY is the less volatile stock with a 0.83 beta — it tends to amplify market swings less than NFBK's 1.00 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. NFBK currently trades 98.9% from its 52-week high vs KRNY's 95.5% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | NFBKNorthfield Bancor… | KRNYKearny Financial … |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.00x | 0.83x |
| 52-Week HighHighest price in past year | $14.21 | $8.50 |
| 52-Week LowLowest price in past year | $9.90 | $5.76 |
| % of 52W HighCurrent price vs 52-week peak | +98.9% | +95.5% |
| RSI (14)Momentum oscillator 0–100 | 61.2 | 55.9 |
| Avg Volume (50D)Average daily shares traded | 261K | 298K |
Evenly matched — NFBK and KRNY each lead in 1 of 2 comparable metrics.
Analyst Outlook
Evenly matched — NFBK and KRNY each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates NFBK as "Hold" and KRNY as "Hold". Consensus price targets imply 17.1% upside for KRNY (target: $10) vs 3.2% for NFBK (target: $15). For income investors, KRNY offers the higher dividend yield at 5.43% vs NFBK's 3.73%.
| Metric | NFBKNorthfield Bancor… | KRNYKearny Financial … |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Hold |
| Price TargetConsensus 12-month target | $14.50 | $9.50 |
| # AnalystsCovering analysts | 9 | 5 |
| Dividend YieldAnnual dividend ÷ price | +3.7% | +5.4% |
| Dividend StreakConsecutive years of raises | 10 | 0 |
| Dividend / ShareAnnual DPS | $0.52 | $0.44 |
| Buyback YieldShare repurchases ÷ mkt cap | +3.2% | +0.1% |
Evenly matched — NFBK and KRNY each lead in 1 of 2 comparable metrics.
Key Takeaway
NFBK leads in 3 of 6 categories — strongest in Income & Cash Flow and Profitability & Efficiency. 3 categories are tied.
Best OverallNorthfield Bancorp, Inc. (NFBK)Leads 3 of 6 categories
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NFBK vs KRNY: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is NFBK or KRNY a better buy right now?
For growth investors, Northfield Bancorp, Inc.
(NFBK) is the stronger pick with 13. 9% revenue growth year-over-year, versus 5. 1% for Kearny Financial Corp. (KRNY). Kearny Financial Corp. (KRNY) offers the better valuation at 19. 3x trailing P/E (13. 0x 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.
02Which has the better valuation — NFBK or KRNY?
On trailing P/E, Kearny Financial Corp.
(KRNY) is the cheapest at 19. 3x versus Northfield Bancorp, Inc. at 19. 5x. On forward P/E, Northfield Bancorp, Inc. is actually cheaper at 10. 4x — notably different from the trailing picture, reflecting expected earnings growth.
03Which is the better long-term investment — NFBK or KRNY?
Over the past 5 years, Northfield Bancorp, Inc.
(NFBK) delivered a total return of -0. 3%, compared to -20. 3% for Kearny Financial Corp. (KRNY). Over 10 years, the gap is even starker: NFBK returned +19. 1% versus KRNY's -7. 0%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — NFBK or KRNY?
By beta (market sensitivity over 5 years), Kearny Financial Corp.
(KRNY) is the lower-risk stock at 0. 83β versus Northfield Bancorp, Inc. 's 1. 00β — meaning NFBK is approximately 19% more volatile than KRNY relative to the S&P 500. On balance sheet safety, Northfield Bancorp, Inc. (NFBK) carries a lower debt/equity ratio of 108% versus 168% for Kearny Financial Corp. — giving it more financial flexibility in a downturn.
05Which is growing faster — NFBK or KRNY?
By revenue growth (latest reported year), Northfield Bancorp, Inc.
(NFBK) is pulling ahead at 13. 9% versus 5. 1% for Kearny Financial Corp. (KRNY). On earnings-per-share growth, the picture is similar: Kearny Financial Corp. grew EPS 130. 2% 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.
06Which has better profit margins — NFBK or KRNY?
Northfield Bancorp, Inc.
(NFBK) is the more profitable company, earning 11. 9% net margin versus 7. 6% for Kearny Financial Corp. — 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 9. 0% for KRNY. 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.
07Is NFBK or KRNY more undervalued right now?
On forward earnings alone, Northfield Bancorp, Inc.
(NFBK) trades at 10. 4x forward P/E versus 13. 0x for Kearny Financial Corp. — 2. 6x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for KRNY: 17. 1% to $9. 50.
08Which pays a better dividend — NFBK or KRNY?
All stocks in this comparison pay dividends.
Kearny Financial Corp. (KRNY) offers the highest yield at 5. 4%, versus 3. 7% for Northfield Bancorp, Inc. (NFBK).
09Is NFBK or KRNY better for a retirement portfolio?
For long-horizon retirement investors, Kearny Financial Corp.
(KRNY) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 83), 5. 4% yield). Both have compounded well over 10 years (KRNY: -7. 0%, NFBK: +19. 1%), 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.
10What are the main differences between NFBK and KRNY?
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.
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Revenue Growth>
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(NFBK: 13.9% · KRNY: 5.1%)Net Margin>
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(NFBK: 11.9% · KRNY: 7.6%)P/E Ratio<
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