Northfield Bancorp, Inc.(NFBK)Earnings, Financials & Key Ratios

NFBK•NASDAQ•Banking & Credit

727.8× P/E·Price updated Jun 19, 2026

SectorFinancial Services IndustryRegional Banks Sub-IndustryCommercial real estate and multifamily lenders

AboutNorthfield Bancorp, Inc. (Staten Island, NY) operates as the bank holding company for Northfield Bank that provides various banking services primarily to individuals and corporate customers. It accepts various deposits products, including certificates of deposit, passbook, statement, and money market savings accounts; transaction deposit accounts comprising negotiable orders of withdrawal accounts, and interest and non-interest-bearing checking accounts; individual retirement accounts; and brokered deposits. The company also offers various loans comprising multifamily and other commercial real estate loans, construction and land loans, commercial and industrial loans, one-to-four family residential real estate loans, and home equity loans and lines of credit. In addition, it purchases various investment securities, such as mortgage-backed securities and corporate bonds; and deposits funds in other financial institutions, as well as holds mortgage loans, mortgage-backed securities, and other investments. As of December 31, 2021, the company operated 38 full-service banking offices in Staten Island and Brooklyn, New York; and Hunterdon, Middlesex, Mercer, and Union counties, New Jersey. Northfield Bancorp, Inc. (Staten Island, NY) was founded in 1887 and is headquartered in Woodbridge, New Jersey.Show more

Net Interest Income$137M+24.0%
Total Revenue$184M-26.7%
Net Income$796K-97.3%
Return on Equity0.11%-97.3%
Net Interest Margin2.39%+22.1%
Efficiency Ratio26.09%-20.9%
ROA0.01%-97.4%
Equity / Assets11.99%-3.6%
Book Value per Share17.18+1.5%

NFBK Key Insights

Northfield Bancorp, Inc. (NFBK) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

✓Efficient operations: 26.1% efficiency ratio
✓Well capitalized: 12.0% equity/assets
✓Healthy dividend yield of 3.7%
✓Share count reduced 3.5% through buybacks
✓Trading near 52-week high
✓Trading at only 0.8x book value

✗Weaknesses

✗Dividend payout exceeds 100% of earnings

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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NFBK Price & Volume

Northfield Bancorp, Inc. (NFBK) stock price & volume — 10-year historical chart

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NFBK Growth Metrics

Northfield Bancorp, Inc. (NFBK) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years5.33%

5 Years0.51%

3 Years-0.61%

TTM-

Profit CAGR

10 Years-27.39%

5 Years-53.59%

3 Years-76.47%

TTM-97.34%

EPS CAGR

10 Years-26.83%

5 Years-51.79%

3 Years-75.34%

TTM-98.61%

Return on Capital

10 Years4.16%

5 Years4.26%

3 Years2.31%

Last Year1.04%

NFBK Recent Earnings

Northfield Bancorp, Inc. (NFBK) EPS & revenue vs analyst estimates — last 4 quarters

Full history →

●Beat EPS 6/12 qtrs (50%)●Beat Revenue 11/12 qtrs (92%)

Q2 2026Latest

Apr 20, 2026

Metric

Actual

Est

EPS

$0.34+6.3%

$0.32

Rev

$40M-0.6%

$41M

Q1 2026

Feb 2, 2026

Metric

Actual

Est

EPS

$0.34+21.4%

$0.28

Rev

$41M+4.7%

$39M

Q4 2025

Oct 22, 2025

Metric

Actual

Est

EPS

$0.27+0.0%

$0.27

Rev

$39M+0.2%

$39M

Q3 2025

Jul 23, 2025

Metric

Actual

Est

EPS

$0.24+9.1%

$0.22

Rev

$39M+2.7%

$38M

Quarter	Date	EPS (Act vs Est)	Revenue (Act vs Est)
Q2 2026Latest	Apr 20, 2026	$0.34vs $0.32+6.3%	$40Mvs $41M-0.6%
Q1 2026	Feb 2, 2026	$0.34vs $0.28+21.4%	$41Mvs $39M+4.7%
Q4 2025	Oct 22, 2025	$0.27vs $0.27+0.0%	$39Mvs $39M+0.2%
Q3 2025	Jul 23, 2025	$0.24vs $0.22+9.1%	$39Mvs $38M+2.7%

Based on last 12 quarters of dataView full earnings history →

Company	Market Cap	Stock Price	P/E Ratio (TTM)	Revenue Growth 1Y	Net Margin	Return on Equity (ROE)	Debt / Equity
KRNYKearny Financial Corp.Direct Competitor	532.62M	8.47	20.17	5.09%	9.41%	4.31%	1.68
DCOMDime Community Bancshares, Inc.Direct Competitor	1.72B	39.00	16.46	13.03%	15.15%	7.67%	0.25
FFICFlushing Financial CorporationDirect Competitor	524.18M	15.47	28.65	11.06%	3.86%	2.67%	0.84
NBTBNBT Bancorp Inc.Direct Competitor	2.44B	46.68	14.02	10.36%	18.76%	9.51%	0.17
OCFCOceanFirst Financial Corp.Product Competitor	1.03B	18.03	15.41	-4.7%	10.75%	4.26%	0.98
TRSTTrustCo Bank Corp NYProduct Competitor	925.2M	52.24	16.07	5.77%	21.97%	8.86%	0.28
FHNFirst Horizon CorporationSupply Chain	12.31B	24.81	13.20	0.97%	19.99%	10.71%	0.50
ICEIntercontinental Exchange, Inc.Supply Chain	75.83B	133.88	23.20	7.46%	26.14%	11.57%	0.70

Compare NFBK vs Peers

Northfield Bancorp, Inc. (NFBK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs KRNY

Most directly comparable listed peer for NFBK.

Scale Benchmark

vs ICE

Larger-name benchmark to compare NFBK against a more recognizable public peer.

Peer Set

Compare Top 5

vs KRNY, DCOM, FFIC, NBTB

NFBK Income Statement

Northfield Bancorp, Inc. (NFBK) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Net Interest Income	107.43M	109.56M	110.17M	127.98M	154.37M	157.13M	121.55M	110.78M	137.37M
NII Growth %	5.19%	1.98%	0.56%	16.17%	20.62%	1.79%	-22.64%	-8.86%	24%
Net Interest Margin %	2.69%	2.49%	2.18%	2.32%	2.84%	2.81%	2.17%	1.96%	2.39%
Interest Income	131.41M	145.61M	163.53M	166.32M	171.02M	178.51M	205.68M	234.2M	249.1M
Interest Expense	23.98M	36.05M	53.36M	38.34M	16.65M	21.38M	84.13M	123.42M	111.73M
Loan Loss Provision	1.41M	2.62M	22K	12.74M	-5.88M	3.42M	798K	4.56M	7.4M
Non-Interest Income	13.1M	9.81M	16.43M	13.3M	15.73M	9.16M	15.01M	17.12M	-64.85M
Non-Interest Income %	9.07%	6.31%	9.13%	7.4%	8.42%	4.88%	6.8%	6.81%	-35.19%
Total Revenue	144.51M▲ 0%	155.42M▲ 7.5%	179.95M▲ 15.8%	179.62M▼ 0.2%	186.75M▲ 4.0%	187.67M▲ 0.5%	220.69M▲ 17.6%	251.33M▲ 13.9%	184.25M▼ 26.7%
Revenue Growth %	7.01%	7.55%	15.78%	-0.19%	3.97%	0.49%	17.59%	13.88%	-26.69%
Non-Interest Expense	67.38M	67.04M	73.55M	78.51M	78.85M	78.01M	84M	82.84M	48.07M
Efficiency Ratio	46.62%	43.14%	40.87%	43.71%	42.22%	41.57%	38.06%	32.96%	26.09%
Operating Income	51.75M▲ 0%	49.71M▼ 3.9%	53.02M▲ 6.7%	50.02M▼ 5.7%	97.13M▲ 94.2%	84.86M▼ 12.6%	51.76M▼ 39.0%	40.5M▼ 21.8%	17.05M▼ 57.9%
Operating Margin %	35.81%	31.99%	29.46%	27.85%	52.01%	45.22%	23.45%	16.11%	9.25%
Operating Income Growth %	30.03%	-3.93%	6.66%	-5.65%	94.16%	-12.63%	-39%	-21.75%	-57.9%
Pretax Income	51.75M▲ 0%	49.71M▼ 3.9%	53.02M▲ 6.7%	50.02M▼ 5.7%	97.13M▲ 94.2%	84.86M▼ 12.6%	51.76M▼ 39.0%	40.5M▼ 21.8%	17.05M▼ 57.9%
Pretax Margin %	35.81%	31.99%	29.46%	27.85%	52.01%	45.22%	23.45%	16.11%	9.25%
Income Tax	26.98M	9.63M	12.79M	13.04M	26.47M	23.74M	14.09M	10.56M	16.25M
Effective Tax Rate %	52.14%	19.38%	24.12%	26.06%	27.26%	27.98%	27.22%	26.06%	95.33%
Net Income	24.77M▲ 0%	40.08M▲ 61.8%	40.23M▲ 0.4%	36.99M▼ 8.1%	70.65M▲ 91.0%	61.12M▼ 13.5%	37.67M▼ 38.4%	29.95M▼ 20.5%	796K▼ 97.3%
Net Margin %	17.14%	25.79%	22.36%	20.59%	37.83%	32.57%	17.07%	11.91%	0.43%
Net Income Growth %	-5.21%	61.82%	0.39%	-8.07%	91.02%	-13.5%	-38.37%	-20.5%	-97.34%
Net Income (Continuing)	24.77M	40.08M	40.23M	36.99M	70.65M	61.12M	37.67M	29.95M	796K
EPS (Diluted)	0.53▲ 0%	0.85▲ 60.4%	0.85▲ 0.0%	0.76▼ 10.6%	1.45▲ 90.8%	1.32▼ 9.0%	0.86▼ 34.8%	0.72▼ 16.3%	0.02▼ 97.2%
EPS Growth %	-7.02%	60.38%	0%	-10.59%	90.79%	-8.97%	-34.85%	-16.28%	-97.25%
EPS (Basic)	0.55	0.87	0.86	0.76	1.46	1.32	0.86	0.72	0.02
Diluted Shares Outstanding	46.88M	47.11M	47.16M	48.79M	48.75M	46.44M	43.64M	41.63M	40.17M

NFBK Balance Sheet

Northfield Bancorp, Inc. (NFBK) balance sheet — assets, liabilities & shareholders' equity

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Cash & Short Term Investments	571.62M	885.79M	1.29B	1.35B	1.3B	997.97M	1.02B	1.27B	1.42B
Cash & Due from Banks	57.84M	77.76M	147.82M	87.54M	91.07M	45.8M	229.51M	167.74M	12.05M
Short Term Investments	513.78M	808.03M	1.14B	1.26B	1.21B	952.17M	795.46M	1.1B	1.41B
Total Investments	3.64B	4.04B	4.56B	5.08B	4.99B	5.17B	4.98B	5.12B	4.57B
Investments Growth %	5.42%	10.9%	12.94%	11.38%	-1.8%	3.77%	-3.72%	2.69%	-10.74%
Long-Term Investments	3.13B	3.23B	3.42B	3.81B	3.78B	4.22B	4.19B	4.02B	3.83B
Accounts Receivables	10.71M	12.96M	14.61M	14.69M	14.57M	17.43M	18.49M	19.08M	20.12M
Goodwill & Intangibles	38.41M	38.41M	38.41M	41.32M	41.01M	41.01M	41.01M	41.01M	0
Goodwill	38.41M	38.41M	38.41M	41.32M	41.01M	41.01M	41.01M	41.01M	0
Intangible Assets	0	0	0	0	0	0	0	0	0
PP&E (Net)	25.75M	25.61M	65.16M	64.93M	59.88M	59.13M	54.97M	49.76M	45.73M
Other Assets	219M	217.21M	230.47M	228.24M	210.85M	263.47M	272.34M	272.47M	-3.83B
Total Current Assets	582.33M	898.75M	1.3B	1.37B	1.31B	1.02B	1.04B	1.29B	1.44B
Total Non-Current Assets	3.41B	3.51B	3.75B	4.15B	4.12B	4.59B	4.55B	4.38B	45.73M
Total Assets	3.99B▲ 0%	4.41B▲ 10.4%	5.06B▲ 14.7%	5.51B▲ 9.1%	5.43B▼ 1.5%	5.6B▲ 3.1%	5.6B▼ 0.1%	5.67B▲ 1.2%	5.75B▲ 1.5%
Asset Growth %	3.67%	10.45%	14.67%	9.08%	-1.52%	3.14%	-0.05%	1.21%	1.55%
Return on Assets (ROA)	0.63%	0.95%	0.85%	0.7%	1.29%	1.11%	0.67%	0.53%	0.01%
Accounts Payable	0	0	0	0	0	0	0	0	0
Total Debt	471.55M	408.89M	901.07M	634.52M	461.61M	684.64M	861.2M	760.05M	991.52M
Net Debt	413.71M	331.13M	753.25M	546.98M	370.54M	638.85M	631.69M	592.31M	979.47M
Long-Term Debt	469.25M	408.85M	782M	516.79M	371.75M	619.86M	800.99M	727.84M	961.88M
Short-Term Debt	2M	0	75M	75M	50M	25M	25M	0	564.49M
Other Liabilities	14.8M	18.01M	20.05M	19.68M	24.91M	26M	159.32M	63.15M	4.07B
Total Current Liabilities	2.87B	3.32B	3.51B	4.18B	4.25B	4.21B	3.9B	4.14B	4.02B
Total Non-Current Liabilities	484.35M	426.9M	846.12M	579.2M	436.51M	685.64M	995.52M	823.21M	5.06B
Total Liabilities	3.35B	3.74B	4.36B	4.76B	4.69B	4.9B	4.9B	4.96B	5.06B
Total Equity	638.88M▲ 0%	666.44M▲ 4.3%	695.85M▲ 4.4%	753.98M▲ 8.4%	739.88M▼ 1.9%	701.39M▼ 5.2%	699.45M▼ 0.3%	704.7M▲ 0.8%	690.06M▼ 2.1%
Equity Growth %	2.85%	4.31%	4.41%	8.35%	-1.87%	-5.2%	-0.28%	0.75%	-2.08%
Equity / Assets (Capital Ratio)	16.01%	15.12%	13.76%	13.67%	13.62%	12.52%	12.49%	12.44%	11.99%
Return on Equity (ROE)	3.93%	6.14%	5.91%	5.1%	9.46%	8.48%	5.38%	4.27%	0.11%
Book Value per Share	13.63	14.15	14.75	15.45	15.18	15.10	16.03	16.93	17.18
Tangible BV per Share	12.81	13.33	13.94	14.61	14.33	14.22	15.09	15.94	17.18
Common Stock	609K	609K	609K	648K	648K	648K	648K	648K	648K
Additional Paid-in Capital	548.86M	546.22M	548.49M	590.51M	589.97M	590.25M	590.97M	591.34M	592.47M
Retained Earnings	281.14M	302.54M	322.58M	338.09M	381.36M	418.35M	433.23M	440.76M	420.4M
Accumulated OCI	-5.45M	-9.15M	4.7M	13.16M	2.06M	-48.33M	-32.44M	-20.3M	-4.22M
Treasury Stock	-164.04M	-152.79M	-160.78M	-169.9M	-217.1M	-243.88M	-278.62M	-294.71M	-307.52M
Preferred Stock	0	0	0	0	0	0	0	0	0

NFBK Cash Flow Statement

Northfield Bancorp, Inc. (NFBK) cash flow — operating, investing & free cash flow history

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Cash from Operations	43.62M	52.79M	51.15M	55.21M	64.76M	83.33M	46.97M	31.11M	53.7M
Operating CF Growth %	15.71%	21.01%	-3.1%	7.94%	17.29%	28.68%	-43.63%	-33.78%	72.63%
Net Income	24.77M	40.08M	40.23M	36.99M	70.65M	61.12M	37.67M	29.95M	796K
Depreciation & Amortization	3.62M	3.35M	8.9M	8.39M	8.48M	8.45M	8.53M	8.3M	0
Deferred Taxes	0	0	0	0	0	0	0	0	0
Other Non-Cash Items	-3.39M	1.8M	-5.42M	8.22M	-11.77M	12.63M	2.82M	-2.01M	57.18M
Working Capital Changes	9.95M	-207K	1.86M	-1.6M	-6.26M	-2.99M	-6.42M	-9.38M	-4.28M
Cash from Investing	-190.53M	-406.36M	-522.73M	-131.93M	85M	-280.21M	193.87M	-118.49M	-128.35M
Purchase of Investments	-137.63M	-451.17M	-637.96M	0	-752.06M	-180.26M	-73.73M	-1.19B	0
Sale/Maturity of Investments	120.56M	151M	323.34M	0	785.26M	347.23M	247.46M	895.76M	0
Net Investment Activity	-17.07M	-300.17M	-314.62M	0	33.2M	166.97M	173.72M	-293.13M	0
Acquisitions	0	0	0	72.88M	0	0	0	0	0
Other Investing	-171.39M	-103.31M	-204.48M	-201.74M	53.43M	-444.63M	23.75M	175.8M	-128.35M
Cash from Financing	108.66M	373.49M	541.63M	16.44M	-146.23M	151.61M	-57.13M	25.62M	70.86M
Dividends Paid	-15.65M	-18.67M	-20.2M	-21.48M	-24.3M	-24.13M	-22.8M	-21.83M	-21.15M
Share Repurchases	0	-5K	-15.81M	-10.4M	-53.32M	-30.88M	-37.17M	-18.68M	-15.35M
Stock Issued	0	0	0	0	0	0	0	0	0
Net Stock Activity	0	-5K	-15.81M	-10.4M	-53.32M	-30.88M	-37.17M	-18.68M	-15.35M
Debt Issuance (Net)	-224K	-255K	-44K	-1000K	-1000K	1000K	1000K	-1000K	1000K
Other Financing	124.53M	392.43M	577.69M	313.53M	101.42M	145.74M	-272.58M	259M	-126.45M
Net Change in Cash	-38.25M▲ 0%	19.92M▲ 152.1%	70.06M▲ 251.6%	-60.27M▼ 186.0%	3.52M▲ 105.8%	-45.27M▼ 1384.6%	183.71M▲ 505.8%	-61.76M▼ 133.6%	-3.79M▲ 93.9%
Exchange Rate Effect	0	0	0	0	0	0	0	0	0
Cash at Beginning	96.08M	57.84M	77.76M	147.82M	87.54M	91.07M	45.8M	229.51M	167.74M
Cash at End	57.84M	77.76M	147.82M	87.54M	91.07M	45.8M	229.51M	167.74M	163.95M
Interest Paid	23.77M	35.82M	51.63M	39.58M	17.45M	19.28M	80.4M	126.79M	112.05M
Income Taxes Paid	12.88M	10.37M	11.09M	0	28.48M	22.09M	14.7M	7.36M	10.73M
Free Cash Flow	41.56M▲ 0%	49.91M▲ 20.1%	47.53M▼ 4.8%	52.16M▲ 9.7%	63.12M▲ 21.0%	80.78M▲ 28.0%	43.37M▼ 46.3%	29.95M▼ 30.9%	52.19M▲ 74.2%
FCF Growth %	13.03%	20.09%	-4.77%	9.73%	21.03%	27.97%	-46.32%	-30.93%	74.23%

NFBK Banking Ratios

Northfield Bancorp, Inc. (NFBK) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	4.43%	3.93%	6.14%	5.91%	5.1%	9.46%	8.48%	5.38%	4.27%	0.11%
Return on Assets (ROA)	0.74%	0.63%	0.95%	0.85%	0.7%	1.29%	1.11%	0.67%	0.53%	0.01%
Net Interest Margin	2.65%	2.69%	2.49%	2.18%	2.32%	2.84%	2.81%	2.17%	1.96%	2.39%
Efficiency Ratio	54.02%	46.62%	43.14%	40.87%	43.71%	42.22%	41.57%	38.06%	32.96%	26.09%
Equity / Assets	16.13%	16.01%	15.12%	13.76%	13.67%	13.62%	12.52%	12.49%	12.44%	11.99%
Book Value / Share	13.59	13.63	14.15	14.75	15.45	15.18	15.1	16.03	16.93	17.18
NII Growth	26.21%	5.19%	1.98%	0.56%	16.17%	20.62%	1.79%	-22.64%	-8.86%	24%
Dividend Payout	53.86%	63.17%	46.59%	50.2%	58.06%	34.39%	39.48%	60.51%	72.89%	2657.29%

NFBK SEC Filings & Documents

Northfield Bancorp, Inc. (NFBK) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

Material company update

Apr 21, 2026·SEC

Material company update

Feb 6, 2026·SEC

Material company update

Feb 3, 2026·SEC

10-K Annual Reports

FY 2026

Mar 2, 2026·SEC

FY 2025

Mar 3, 2025·SEC

FY 2024

Feb 29, 2024·SEC

10-Q Quarterly Reports

FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 8, 2025·SEC

FY 2025

May 9, 2025·SEC

NFBK Frequently Asked Questions

Northfield Bancorp, Inc. (NFBK) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Northfield Bancorp, Inc. (NFBK) saw revenue decline by 26.7% over the past year.

Yes, Northfield Bancorp, Inc. (NFBK) is profitable, generating $0.8M in net income for fiscal year 2025 (0.4% net margin).

Dividend & Returns

Yes, Northfield Bancorp, Inc. (NFBK) pays a dividend with a yield of 3.65%. This makes it attractive for income-focused investors.

Northfield Bancorp, Inc. (NFBK) has a return on equity (ROE) of 0.1%. This is below average, suggesting room for improvement.

Industry Metrics

Northfield Bancorp, Inc. (NFBK) has a net interest margin (NIM) of 2.4%. NIM has been under pressure due to interest rate environment.

Northfield Bancorp, Inc. (NFBK) has an efficiency ratio of 26.1%. This is excellent, indicating strong cost control.

What if you invested $1,000 in NFBK back in 1999?

Total return calculator · dividends reinvested · 27+ years of data

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Quarter

Date

EPS (Act vs Est)

Revenue (Act vs Est)

Q2 2026Latest

Apr 20, 2026

$0.34vs $0.32+6.3%

$40Mvs $41M-0.6%

Q1 2026

Feb 2, 2026

$0.34vs $0.28+21.4%

$41Mvs $39M+4.7%

Q4 2025

Oct 22, 2025

$0.27vs $0.27+0.0%

$39Mvs $39M+0.2%

Q3 2025

Jul 23, 2025

$0.24vs $0.22+9.1%

$39Mvs $38M+2.7%

Metric

Dec'17

Dec'18

Dec'19

Dec'20

Dec'21

Dec'22

Dec'23

Dec'24

Dec'25

Net Interest Income

107.43M

109.56M

110.17M

127.98M

154.37M

157.13M

121.55M

110.78M

137.37M

NII Growth %

5.19%

1.98%

0.56%

16.17%

20.62%

1.79%

-22.64%

-8.86%

24%

Net Interest Margin %

2.69%

2.49%

2.18%

2.32%

2.84%

2.81%

2.17%

1.96%

2.39%

Interest Income

131.41M

145.61M

163.53M

166.32M

171.02M

178.51M

205.68M

234.2M

249.1M

Interest Expense

23.98M

36.05M

53.36M

38.34M

16.65M

21.38M

84.13M

123.42M

111.73M

Loan Loss Provision

1.41M

2.62M

22K

12.74M

-5.88M

3.42M

798K

4.56M

7.4M

Non-Interest Income

13.1M

9.81M

16.43M

13.3M

15.73M

9.16M

15.01M

17.12M

-64.85M

Non-Interest Income %

9.07%

6.31%

9.13%

7.4%

8.42%

4.88%

6.8%

6.81%

-35.19%

Total Revenue

144.51M▲ 0%

155.42M▲ 7.5%

179.95M▲ 15.8%

179.62M▼ 0.2%

186.75M▲ 4.0%

187.67M▲ 0.5%

220.69M▲ 17.6%

251.33M▲ 13.9%

184.25M▼ 26.7%

Revenue Growth %

7.01%

7.55%

15.78%

-0.19%

3.97%

0.49%

17.59%

13.88%

-26.69%

Non-Interest Expense

67.38M

67.04M

73.55M

78.51M

78.85M

78.01M

84M

82.84M

48.07M

Efficiency Ratio

46.62%

43.14%

40.87%

43.71%

42.22%

41.57%

38.06%

32.96%

26.09%

Operating Income

51.75M▲ 0%

49.71M▼ 3.9%

53.02M▲ 6.7%

50.02M▼ 5.7%

97.13M▲ 94.2%

84.86M▼ 12.6%

51.76M▼ 39.0%

40.5M▼ 21.8%

17.05M▼ 57.9%

Operating Margin %

35.81%

31.99%

29.46%

27.85%

52.01%

45.22%

23.45%

16.11%

9.25%

Operating Income Growth %

30.03%

-3.93%

6.66%

-5.65%

94.16%

-12.63%

-39%

-21.75%

-57.9%

Pretax Income

51.75M▲ 0%

49.71M▼ 3.9%

53.02M▲ 6.7%

50.02M▼ 5.7%

97.13M▲ 94.2%

84.86M▼ 12.6%

51.76M▼ 39.0%

40.5M▼ 21.8%

17.05M▼ 57.9%

Pretax Margin %

35.81%

31.99%

29.46%

27.85%

52.01%

45.22%

23.45%

16.11%

9.25%

Income Tax

26.98M

9.63M

12.79M

13.04M

26.47M

23.74M

14.09M

10.56M

16.25M

Effective Tax Rate %

52.14%

19.38%

24.12%

26.06%

27.26%

27.98%

27.22%

26.06%

95.33%

Net Income

24.77M▲ 0%

40.08M▲ 61.8%

40.23M▲ 0.4%

36.99M▼ 8.1%

70.65M▲ 91.0%

61.12M▼ 13.5%

37.67M▼ 38.4%

29.95M▼ 20.5%

796K▼ 97.3%

Net Margin %

17.14%

25.79%

22.36%

20.59%

37.83%

32.57%

17.07%

11.91%

0.43%

Net Income Growth %

-5.21%

61.82%

0.39%

-8.07%

91.02%

-13.5%

-38.37%

-20.5%

-97.34%

Net Income (Continuing)

24.77M

40.08M

40.23M

36.99M

70.65M

61.12M

37.67M

29.95M

796K

EPS (Diluted)

0.53▲ 0%

0.85▲ 60.4%

0.85▲ 0.0%

0.76▼ 10.6%

1.45▲ 90.8%

1.32▼ 9.0%

0.86▼ 34.8%

0.72▼ 16.3%

0.02▼ 97.2%

EPS Growth %

-7.02%

60.38%

-10.59%

90.79%

-8.97%

-34.85%

-16.28%

-97.25%

EPS (Basic)

0.55

0.87

0.86

0.76

1.46

1.32

0.86

0.72

0.02

Diluted Shares Outstanding

46.88M

47.11M

47.16M

48.79M

48.75M

46.44M

43.64M

41.63M

40.17M

Metric

Dec'17

Dec'18

Dec'19

Dec'20

Dec'21

Dec'22

Dec'23

Dec'24

Dec'25

Cash & Short Term Investments

571.62M

885.79M

1.29B

1.35B

1.3B

997.97M

1.02B

1.27B

1.42B

Cash & Due from Banks

57.84M

77.76M

147.82M

87.54M

91.07M

45.8M

229.51M

167.74M

12.05M

Short Term Investments

513.78M

808.03M

1.14B

1.26B

1.21B

952.17M

795.46M

1.1B

1.41B

Total Investments

3.64B

4.04B

4.56B

5.08B

4.99B

5.17B

4.98B

5.12B

4.57B

Investments Growth %

5.42%

10.9%

12.94%

11.38%

-1.8%

3.77%

-3.72%

2.69%

-10.74%

Long-Term Investments

3.13B

3.23B

3.42B

3.81B

3.78B

4.22B

4.19B

4.02B

3.83B

Accounts Receivables

10.71M

12.96M

14.61M

14.69M

14.57M

17.43M

18.49M

19.08M

20.12M

Goodwill & Intangibles

38.41M

41.32M

41.01M

Goodwill

38.41M

41.32M

41.01M

Intangible Assets

PP&E (Net)

25.75M

25.61M

65.16M

64.93M

59.88M

59.13M

54.97M

49.76M

45.73M

Other Assets

219M

217.21M

230.47M

228.24M

210.85M

263.47M

272.34M

272.47M

-3.83B

Total Current Assets

582.33M

898.75M

1.3B

1.37B

1.31B

1.02B

1.04B

1.29B

1.44B

Total Non-Current Assets

3.41B

3.51B

3.75B

4.15B

4.12B

4.59B

4.55B

4.38B

45.73M

Total Assets

3.99B▲ 0%

4.41B▲ 10.4%

5.06B▲ 14.7%

5.51B▲ 9.1%

5.43B▼ 1.5%

5.6B▲ 3.1%

5.6B▼ 0.1%

5.67B▲ 1.2%

5.75B▲ 1.5%

Asset Growth %

3.67%

10.45%

14.67%

9.08%

-1.52%

3.14%

-0.05%

1.21%

1.55%

Return on Assets (ROA)

0.63%

0.95%

0.85%

0.7%

1.29%

1.11%

0.67%

0.53%

0.01%

Accounts Payable

Total Debt

471.55M

408.89M

901.07M

634.52M

461.61M

684.64M

861.2M

760.05M

991.52M

Net Debt

413.71M

331.13M

753.25M

546.98M

370.54M

638.85M

631.69M

592.31M

979.47M

Long-Term Debt

469.25M

408.85M

782M

516.79M

371.75M

619.86M

800.99M

727.84M

961.88M

Short-Term Debt

75M

50M

25M

564.49M

Other Liabilities

14.8M

18.01M

20.05M

19.68M

24.91M

26M

159.32M

63.15M

4.07B

Total Current Liabilities

2.87B

3.32B

3.51B

4.18B

4.25B

4.21B

3.9B

4.14B

4.02B

Total Non-Current Liabilities

484.35M

426.9M

846.12M

579.2M

436.51M

685.64M

995.52M

823.21M

5.06B

Total Liabilities

3.35B

3.74B

4.36B

4.76B

4.69B

4.9B

4.96B

5.06B

Total Equity

638.88M▲ 0%

666.44M▲ 4.3%

695.85M▲ 4.4%

753.98M▲ 8.4%

739.88M▼ 1.9%

701.39M▼ 5.2%

699.45M▼ 0.3%

704.7M▲ 0.8%

690.06M▼ 2.1%

Equity Growth %

2.85%

4.31%

4.41%

8.35%

-1.87%

-5.2%

-0.28%

0.75%

-2.08%

Equity / Assets (Capital Ratio)

16.01%

15.12%

13.76%

13.67%

13.62%

12.52%

12.49%

12.44%

11.99%

Return on Equity (ROE)

3.93%

6.14%

5.91%

5.1%

9.46%

8.48%

5.38%

4.27%

0.11%

Book Value per Share

13.63

14.15

14.75

15.45

15.18

15.10

16.03

16.93

17.18

Tangible BV per Share

12.81

13.33

13.94

14.61

14.33

14.22

15.09

15.94

17.18

Common Stock

609K

648K

Additional Paid-in Capital

548.86M

546.22M

548.49M

590.51M

589.97M

590.25M

590.97M

591.34M

592.47M

Retained Earnings

281.14M

302.54M

322.58M

338.09M

381.36M

418.35M

433.23M

440.76M

420.4M

Accumulated OCI

-5.45M

-9.15M

4.7M

13.16M

2.06M

-48.33M

-32.44M

-20.3M

-4.22M

Treasury Stock

-164.04M

-152.79M

-160.78M

-169.9M

-217.1M

-243.88M

-278.62M

-294.71M

-307.52M

Preferred Stock

Metric

Dec'17

Dec'18

Dec'19

Dec'20

Dec'21

Dec'22

Dec'23

Dec'24

Dec'25

Cash from Operations

43.62M

52.79M

51.15M

55.21M

64.76M

83.33M

46.97M

31.11M

53.7M

Operating CF Growth %

15.71%

21.01%

-3.1%

7.94%

17.29%

28.68%

-43.63%

-33.78%

72.63%

Net Income

24.77M

40.08M

40.23M

36.99M

70.65M

61.12M

37.67M

29.95M

796K

Depreciation & Amortization

3.62M

3.35M

8.9M

8.39M

8.48M

8.45M

8.53M

8.3M

Deferred Taxes

Other Non-Cash Items

-3.39M

1.8M

-5.42M

8.22M

-11.77M

12.63M

2.82M

-2.01M

57.18M

Working Capital Changes

9.95M

-207K

1.86M

-1.6M

-6.26M

-2.99M

-6.42M

-9.38M

-4.28M

Cash from Investing

-190.53M

-406.36M

-522.73M

-131.93M

85M

-280.21M

193.87M

-118.49M

-128.35M

Purchase of Investments

-137.63M

-451.17M

-637.96M

-752.06M

-180.26M

-73.73M

-1.19B

Sale/Maturity of Investments

120.56M

151M

323.34M

785.26M

347.23M

247.46M

895.76M

Net Investment Activity

-17.07M

-300.17M

-314.62M

33.2M

166.97M

173.72M

-293.13M

Acquisitions

72.88M

Other Investing

-171.39M

-103.31M

-204.48M

-201.74M

53.43M

-444.63M

23.75M

175.8M

-128.35M

Cash from Financing

108.66M

373.49M

541.63M

16.44M

-146.23M

151.61M

-57.13M

25.62M

70.86M

Dividends Paid

-15.65M

-18.67M

-20.2M

-21.48M

-24.3M

-24.13M

-22.8M

-21.83M

-21.15M

Share Repurchases

-5K

-15.81M

-10.4M

-53.32M

-30.88M

-37.17M

-18.68M

-15.35M

Stock Issued

Net Stock Activity

-5K

-15.81M

-10.4M

-53.32M

-30.88M

-37.17M

-18.68M

-15.35M

Debt Issuance (Net)

-224K

-255K

-44K

-1000K

1000K

-1000K

1000K

Other Financing

124.53M

392.43M

577.69M

313.53M

101.42M

145.74M

-272.58M

259M

-126.45M

Net Change in Cash

-38.25M▲ 0%

19.92M▲ 152.1%

70.06M▲ 251.6%

-60.27M▼ 186.0%

3.52M▲ 105.8%

-45.27M▼ 1384.6%

183.71M▲ 505.8%

-61.76M▼ 133.6%

-3.79M▲ 93.9%

Exchange Rate Effect

Cash at Beginning

96.08M

57.84M

77.76M

147.82M

87.54M

91.07M

45.8M

229.51M

167.74M

Cash at End

57.84M

77.76M

147.82M

87.54M

91.07M

45.8M

229.51M

167.74M

163.95M

Interest Paid

23.77M

35.82M

51.63M

39.58M

17.45M

19.28M

80.4M

126.79M

112.05M

Income Taxes Paid

12.88M

10.37M

11.09M

28.48M

22.09M

14.7M

7.36M

10.73M

Free Cash Flow

41.56M▲ 0%

49.91M▲ 20.1%

47.53M▼ 4.8%

52.16M▲ 9.7%

63.12M▲ 21.0%

80.78M▲ 28.0%

43.37M▼ 46.3%

29.95M▼ 30.9%

52.19M▲ 74.2%

FCF Growth %

13.03%

20.09%

-4.77%

9.73%

21.03%

27.97%

-46.32%

-30.93%

74.23%

Metric

2016

2017

2018

2019

2020

2021

2022

2023

2024

2025

Return on Equity (ROE)

4.43%

3.93%

6.14%

5.91%

5.1%

9.46%

8.48%

5.38%

4.27%

0.11%

Return on Assets (ROA)

0.74%

0.63%

0.95%

0.85%

0.7%

1.29%

1.11%

0.67%

0.53%

0.01%

Net Interest Margin

2.65%

2.69%

2.49%

2.18%

2.32%

2.84%

2.81%

2.17%

1.96%

2.39%

Efficiency Ratio

54.02%

46.62%

43.14%

40.87%

43.71%

42.22%

41.57%

38.06%

32.96%

26.09%

Equity / Assets

16.13%

16.01%

15.12%

13.76%

13.67%

13.62%

12.52%

12.49%

12.44%

11.99%

Book Value / Share

13.59

13.63

14.15

14.75

15.45

15.18

15.1

16.03

16.93

17.18

NII Growth

26.21%

5.19%

1.98%

0.56%

16.17%

20.62%

1.79%

-22.64%

-8.86%

24%

Dividend Payout

53.86%

63.17%

46.59%

50.2%

58.06%

34.39%

39.48%

60.51%

72.89%

2657.29%

Northfield Bancorp, Inc.(NFBK)Earnings, Financials & Key Ratios

NFBK Key Insights

✓Strengths

✗Weaknesses

NFBK Price & Volume

NFBK Growth Metrics

Revenue CAGR

Profit CAGR

EPS CAGR

Return on Capital

NFBK Recent Earnings

NFBK Peer Comparison

Compare NFBK vs Peers

vs KRNY

vs ICE

Compare Top 5

NFBK Income Statement

NFBK Balance Sheet

NFBK Cash Flow Statement

NFBK Banking Ratios

NFBK SEC Filings & Documents

8-K Announcements

10-K Annual Reports

10-Q Quarterly Reports

NFBK Frequently Asked Questions

Northfield Bancorp, Inc.(NFBK)Earnings, Financials & Key Ratios

NFBK Key Insights

✓Strengths

✗Weaknesses

NFBK Price & Volume

NFBK Growth Metrics

Revenue CAGR

Profit CAGR

EPS CAGR

Return on Capital

NFBK Recent Earnings

NFBK Peer Comparison

Compare NFBK vs Peers

vs KRNY

vs ICE

Compare Top 5

NFBK Income Statement

NFBK Balance Sheet

NFBK Cash Flow Statement

NFBK Banking Ratios

NFBK SEC Filings & Documents

8-K Announcements

10-K Annual Reports

10-Q Quarterly Reports

NFBK Frequently Asked Questions