NFBK
Northfield Bancorp, Inc.
Banks - Regional
Market Cap$588M
5Y Perf.+28.7%
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Stock Comparison
NFBK vs OCFC
Revenue, margins, valuation, and 5-year total return — side by side.
OCFC
OceanFirst Financial Corp.
Banks - Regional
Market Cap$1.08B
5Y Perf.+13.1%
NFBK vs OCFC — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | NFBK | OCFC |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $588M | $1.08B |
| Revenue (TTM) | $251M | $656M |
| Net Income (TTM) | $39M | $71M |
| Gross Margin | 49.1% | 54.5% |
| Operating Margin | 16.1% | 14.1% |
| Forward P/E | 10.4x | 9.9x |
| Total Debt | $760M | $1.63B |
| Cash & Equiv. | $168M | $135M |
NFBK vs OCFC — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
NFBK
OCFC
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Northfield Bancorp,… (NFBK) | 100 | 128.7 | +28.7% |
| OceanFirst Financia… (OCFC) | 100 | 113.1 | +13.1% |
Price return only. Dividends and distributions are not included.
Quick Verdict: NFBK vs OCFC
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: NFBK leads in 6 of 7 categories, making it the strongest pick for growth and revenue expansion and profitability and margin quality. OceanFirst Financial Corp. is the stronger pick specifically for valuation and capital efficiency. 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 income & stability and growth exposure.
- Dividend streak 10 yrs, beta 1.00, yield 3.7%
- Rev growth 13.9%, EPS growth -16.3%
- Lower volatility, beta 1.00, current ratio 0.31x
Best for: income & stability and growth exposure
OCFC
OceanFirst Financial Corp.
The Banking Pick
OCFC is the clearest fit if your priority is long-term compounding and bank quality.
- 45.4% 10Y total return vs NFBK's 20.6%
- NIM 2.5% vs NFBK's 2.0%
- Lower P/E (9.9x vs 10.4x)
Best for: long-term compounding and bank quality
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | NFBK | 13.9% NII/revenue growth vs OCFC's -4.7% |
| Value | OCFC | Lower P/E (9.9x vs 10.4x) |
| Quality / Margins | NFBK | Efficiency ratio 0.3% vs OCFC's 0.4% (lower = leaner) |
| Stability / Safety | NFBK | Beta 1.00 vs OCFC's 1.05 |
| Dividends | NFBK | 3.7% yield, 10-year raise streak, vs OCFC's 4.5% |
| Momentum (1Y) | NFBK | +31.5% vs OCFC's +20.5% |
| Efficiency (ROA) | NFBK | Efficiency ratio 0.3% vs OCFC's 0.4% |
NFBK vs OCFC — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2024
FY 2025
NFBK vs OCFC — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLNFBKLAGGINGOCFC
OCFCOceanFirst Financial …
1leads
NFBKNorthfield Bancorp, I…
4leads
6 Total Categories
CATEGORYLEADERvs OCFCMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
NFBK3/5
Valuation MetricsMultiples, price ratios, and targets
OCFC5/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
NFBK6/9
Total Returns1Y, 3Y, 5Y total returns with dividends
NFBK4/6
Risk & VolatilityBeta, volatility, and downside exposure
NFBK2/2
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
NFBK leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
OCFC is the larger business by revenue, generating $656M annually — 2.6x NFBK's $251M. Profitability is closely matched — net margins range from 11.9% (NFBK) to 10.8% (OCFC).
| Metric | NFBKNorthfield Bancor… | OCFCOceanFirst Financ… |
|---|---|---|
| RevenueTrailing 12 months | $251M | $656M |
| EBITDAEarnings before interest/tax | $61M | $103M |
| Net IncomeAfter-tax profit | $39M | $71M |
| Free Cash FlowCash after capex | $42M | $80M |
| Gross MarginGross profit ÷ Revenue | +49.1% | +54.5% |
| Operating MarginEBIT ÷ Revenue | +16.1% | +14.1% |
| Net MarginNet income ÷ Revenue | +11.9% | +10.8% |
| FCF MarginFCF ÷ Revenue | +11.9% | +12.1% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +68.8% | -36.1% |
NFBK leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
OCFC leads this category, winning 5 of 6 comparable metrics.
Valuation Metrics
At 16.1x trailing earnings, OCFC trades at a 17% valuation discount to NFBK's 19.5x P/E. On an enterprise value basis, NFBK's 24.2x EV/EBITDA is more attractive than OCFC's 27.7x.
| Metric | NFBKNorthfield Bancor… | OCFCOceanFirst Financ… |
|---|---|---|
| Market CapShares × price | $588M | $1.1B |
| Enterprise ValueMkt cap + debt − cash | $1.2B | $2.6B |
| Trailing P/EPrice ÷ TTM EPS | 19.54x | 16.14x |
| Forward P/EPrice ÷ next-FY EPS est. | 10.42x | 9.93x |
| PEG RatioP/E ÷ EPS growth rate | — | 5.80x |
| EV / EBITDAEnterprise value multiple | 24.19x | 27.70x |
| Price / SalesMarket cap ÷ Revenue | 2.34x | 1.65x |
| Price / BookPrice ÷ Book value/share | 0.83x | 0.65x |
| Price / FCFMarket cap ÷ FCF | 19.64x | 13.63x |
OCFC leads this category, winning 5 of 6 comparable metrics.
Profitability & Efficiency
NFBK leads this category, winning 6 of 9 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 OCFC. OCFC carries lower financial leverage with a 0.98x debt-to-equity ratio, signaling a more conservative balance sheet compared to NFBK's 1.08x. On the Piotroski fundamental quality scale (0–9), NFBK scores 7/9 vs OCFC's 6/9, reflecting strong financial health.
| Metric | NFBKNorthfield Bancor… | OCFCOceanFirst Financ… |
|---|---|---|
| ROE (TTM)Return on equity | +5.5% | +4.3% |
| ROA (TTM)Return on assets | +0.7% | +0.5% |
| ROICReturn on invested capital | +2.0% | +2.2% |
| ROCEReturn on capital employed | +2.5% | +2.7% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 6 |
| Debt / EquityFinancial leverage | 1.08x | 0.98x |
| Net DebtTotal debt minus cash | $592M | $1.5B |
| Cash & Equiv.Liquid assets | $168M | $135M |
| Total DebtShort + long-term debt | $760M | $1.6B |
| Interest CoverageEBIT ÷ Interest expense | 0.46x | 0.33x |
NFBK leads this category, winning 6 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
NFBK leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in OCFC five years ago would be worth $10,246 today (with dividends reinvested), compared to $10,018 for NFBK. Over the past 12 months, NFBK leads with a +31.5% total return vs OCFC's +20.5%. The 3-year compound annual growth rate (CAGR) favors NFBK at 18.3% vs OCFC's 15.9% — a key indicator of consistent wealth creation.
| Metric | NFBKNorthfield Bancor… | OCFCOceanFirst Financ… |
|---|---|---|
| YTD ReturnYear-to-date | +26.5% | +8.1% |
| 1-Year ReturnPast 12 months | +31.5% | +20.5% |
| 3-Year ReturnCumulative with dividends | +65.7% | +55.7% |
| 5-Year ReturnCumulative with dividends | +0.2% | +2.5% |
| 10-Year ReturnCumulative with dividends | +20.6% | +45.4% |
| CAGR (3Y)Annualised 3-year return | +18.3% | +15.9% |
NFBK leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
NFBK leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
NFBK is the less volatile stock with a 1.00 beta — it tends to amplify market swings less than OCFC's 1.05 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. NFBK currently trades 99.0% from its 52-week high vs OCFC's 91.6% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | NFBKNorthfield Bancor… | OCFCOceanFirst Financ… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.00x | 1.05x |
| 52-Week HighHighest price in past year | $14.21 | $20.61 |
| 52-Week LowLowest price in past year | $9.90 | $16.09 |
| % of 52W HighCurrent price vs 52-week peak | +99.0% | +91.6% |
| RSI (14)Momentum oscillator 0–100 | 57.0 | 53.8 |
| Avg Volume (50D)Average daily shares traded | 258K | 662K |
NFBK leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Evenly matched — NFBK and OCFC each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates NFBK as "Hold" and OCFC as "Hold". Consensus price targets imply 4.2% upside for OCFC (target: $20) vs 3.1% for NFBK (target: $15). For income investors, OCFC offers the higher dividend yield at 4.45% vs NFBK's 3.73%.
| Metric | NFBKNorthfield Bancor… | OCFCOceanFirst Financ… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Hold |
| Price TargetConsensus 12-month target | $14.50 | $19.67 |
| # AnalystsCovering analysts | 9 | 8 |
| Dividend YieldAnnual dividend ÷ price | +3.7% | +4.5% |
| Dividend StreakConsecutive years of raises | 10 | 0 |
| Dividend / ShareAnnual DPS | $0.52 | $0.84 |
| Buyback YieldShare repurchases ÷ mkt cap | +3.2% | +7.6% |
Evenly matched — NFBK and OCFC each lead in 1 of 2 comparable metrics.
Key Takeaway
NFBK leads in 4 of 6 categories (Income & Cash Flow, Profitability & Efficiency). OCFC leads in 1 (Valuation Metrics). 1 tied.
Best OverallNorthfield Bancorp, Inc. (NFBK)Leads 4 of 6 categories
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NFBK vs OCFC: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is NFBK or OCFC 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 -4. 7% for OceanFirst Financial Corp. (OCFC). OceanFirst Financial Corp. (OCFC) offers the better valuation at 16. 1x trailing P/E (9. 9x 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 OCFC?
On trailing P/E, OceanFirst Financial Corp.
(OCFC) is the cheapest at 16. 1x versus Northfield Bancorp, Inc. at 19. 5x. On forward P/E, OceanFirst Financial Corp. is actually cheaper at 9. 9x.
03Which is the better long-term investment — NFBK or OCFC?
Over the past 5 years, OceanFirst Financial Corp.
(OCFC) delivered a total return of +2. 5%, compared to +0. 2% for Northfield Bancorp, Inc. (NFBK). Over 10 years, the gap is even starker: OCFC returned +45. 4% versus NFBK's +20. 6%. 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 OCFC?
By beta (market sensitivity over 5 years), Northfield Bancorp, Inc.
(NFBK) is the lower-risk stock at 1. 00β versus OceanFirst Financial Corp. 's 1. 05β — meaning OCFC is approximately 6% more volatile than NFBK relative to the S&P 500. On balance sheet safety, OceanFirst Financial Corp. (OCFC) carries a lower debt/equity ratio of 98% versus 108% for Northfield Bancorp, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — NFBK or OCFC?
By revenue growth (latest reported year), Northfield Bancorp, Inc.
(NFBK) is pulling ahead at 13. 9% versus -4. 7% for OceanFirst Financial Corp. (OCFC). On earnings-per-share growth, the picture is similar: Northfield Bancorp, Inc. grew EPS -16. 3% year-over-year, compared to -29. 1% for OceanFirst Financial Corp.. 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 OCFC?
Northfield Bancorp, Inc.
(NFBK) is the more profitable company, earning 11. 9% net margin versus 10. 8% for OceanFirst 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 14. 1% for OCFC. At the gross margin level — before operating expenses — OCFC leads at 54. 5%, 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 OCFC more undervalued right now?
On forward earnings alone, OceanFirst Financial Corp.
(OCFC) trades at 9. 9x forward P/E versus 10. 4x for Northfield Bancorp, Inc. — 0. 5x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for OCFC: 4. 2% to $19. 67.
08Which pays a better dividend — NFBK or OCFC?
All stocks in this comparison pay dividends.
OceanFirst Financial Corp. (OCFC) offers the highest yield at 4. 5%, versus 3. 7% for Northfield Bancorp, Inc. (NFBK).
09Is NFBK or OCFC better for a retirement portfolio?
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: +20. 6%, OCFC: +45. 4%), 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 OCFC?
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.
In terms of investment character: NFBK is a small-cap income-oriented stock; OCFC is a small-cap deep-value stock. 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>
%
(NFBK: 13.9% · OCFC: -4.7%)Net Margin>
%
(NFBK: 11.9% · OCFC: 10.8%)P/E Ratio<
x
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