Northfield Bancorp, Inc. (NFBK) Financial Ratios
27 years of historical data (1999–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
63.21
↑+153% vs avg
5yr avg: 24.96
30Y Low11.0·High57.5
P/FCF
↓
11.53
-2% vs avg
5yr avg: 11.83
30Y Low8.8·High129.5
P/B Ratio
↓
0.84
-1% vs avg
5yr avg: 0.85
30Y Low0.7·High1.5
ROE
↓
0.1%
↑-98% vs avg
5yr avg: 5.5%
30Y Low0%·High17%
Debt/EBITDA
↑
39.64
↑+144% vs avg
5yr avg: 16.24
30Y Low1.1·High39.6
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
NFBK Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Northfield Bancorp, Inc. trades at 727.8x earnings, 477% above its 5-year average of 126.2x, sitting at the 100th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a premium of 5258%. On a free-cash-flow basis, the stock trades at 11.5x P/FCF, roughly in line with the 5-year average of 11.8x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $602M | $459M | $484M | $549M | $730M | $788M | $602M | $800M | $638M | $801M | $913M |
| Enterprise Value | $1.6B | $1.4B | $1.1B | $1.2B | $1.4B | $1.2B | $1.1B | $1.6B | $969M | $1.2B | $1.3B |
| P/E Ratio → | 727.78 | 577.27 | 16.14 | 14.63 | 11.92 | 11.14 | 16.22 | 19.95 | 15.94 | 32.23 | 35.04 |
| P/S Ratio | 3.27 | 2.49 | 1.92 | 2.49 | 3.89 | 4.22 | 3.35 | 4.45 | 4.11 | 5.54 | 6.76 |
| P/B Ratio | 0.84 | 0.67 | 0.69 | 0.78 | 1.04 | 1.06 | 0.80 | 1.15 | 0.96 | 1.25 | 1.47 |
| P/FCF | 11.53 | 8.80 | 16.15 | 12.66 | 9.04 | 12.48 | 11.53 | 16.83 | 12.79 | 19.27 | 24.83 |
| P/OCF | 11.21 | 8.55 | 15.55 | 11.69 | 8.77 | 12.17 | 10.89 | 15.64 | 12.09 | 18.35 | 24.22 |
P/E links to full P/E history page with 30-year chart
NFBK EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Northfield Bancorp, Inc.'s enterprise value stands at 63.2x EBITDA, 153% above its 5-year average of 25.0x. The Financial Services sector median is 11.4x, placing the stock at a 455% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 7.81 | 4.28 | 5.35 | 7.30 | 6.20 | 6.39 | 8.63 | 6.24 | 8.40 | 9.55 |
| EV / EBITDA | 63.21 | 57.51 | 22.05 | 19.58 | 14.68 | 10.97 | 19.56 | 25.08 | 18.27 | 21.94 | 29.43 |
| EV / EBIT | 92.74 | 84.37 | 26.57 | 22.81 | 16.14 | 11.93 | 22.96 | 29.29 | 19.50 | 23.47 | 32.42 |
| EV / FCF | — | 27.57 | 35.93 | 27.23 | 16.95 | 18.35 | 22.02 | 32.68 | 19.42 | 29.22 | 35.09 |
NFBK Profitability
Margins and return-on-capital ratios measuring operating efficiency
Northfield Bancorp, Inc. earns an operating margin of 9.3%, below the Financial Services sector average of 20.3%. Operating margins have compressed from 23.5% to 9.3% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 0.1% is modest, trailing the sector median of 9.0%. ROIC of 0.8% represents below-average returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 35.3% | 35.3% | 49.1% | 61.5% | 86.8% | 94.2% | 71.6% | 70.3% | 75.1% | 82.4% | 83.5% |
| Operating Margin | 9.3% | 9.3% | 16.1% | 23.5% | 45.2% | 52.0% | 27.9% | 29.5% | 32.0% | 35.8% | 29.5% |
| Net Profit Margin | 0.4% | 0.4% | 11.9% | 17.1% | 32.6% | 37.8% | 20.6% | 22.4% | 25.8% | 17.1% | 19.3% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 0.1% | 0.1% | 4.3% | 5.4% | 8.5% | 9.5% | 5.1% | 5.9% | 6.1% | 3.9% | 4.4% |
| ROA | 0.0% | 0.0% | 0.5% | 0.7% | 1.1% | 1.3% | 0.7% | 0.9% | 1.0% | 0.6% | 0.7% |
| ROIC | 0.8% | 0.8% | 2.0% | 2.6% | 4.9% | 5.6% | 2.5% | 3.0% | 3.4% | 3.5% | 2.7% |
| ROCE | 1.0% | 1.0% | 2.5% | 3.4% | 6.6% | 7.7% | 3.5% | 4.0% | 4.5% | 4.7% | 3.7% |
NFBK Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Northfield Bancorp, Inc. carries a Debt/EBITDA ratio of 39.6x, which is highly leveraged (830% above the sector average of 4.3x). Net debt stands at $979M ($992M total debt minus $12M cash). Interest coverage of just 0.2x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.44 | 1.44 | 1.08 | 1.23 | 0.98 | 0.62 | 0.84 | 1.29 | 0.61 | 0.74 | 0.76 |
| Debt / EBITDA | 39.64 | 39.64 | 15.58 | 14.28 | 7.34 | 4.37 | 10.81 | 14.55 | 7.71 | 8.52 | 10.80 |
| Net Debt / Equity | — | 1.42 | 0.84 | 0.90 | 0.91 | 0.50 | 0.73 | 1.08 | 0.50 | 0.65 | 0.61 |
| Net Debt / EBITDA | 39.15 | 39.15 | 12.14 | 10.48 | 6.85 | 3.51 | 9.32 | 12.16 | 6.24 | 7.47 | 8.60 |
| Debt / FCF | — | 18.77 | 19.78 | 14.57 | 7.91 | 5.87 | 10.49 | 15.85 | 6.63 | 9.95 | 10.26 |
| Interest Coverage | 0.15 | 0.15 | 0.33 | 0.62 | 3.97 | 5.83 | 1.30 | 0.99 | 1.38 | 2.16 | 1.84 |
NFBK Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.36x is below 1.0, meaning current liabilities exceed current assets. The current ratio has improved from 0.27x to 0.36x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.36 | 0.36 | 0.31 | 0.27 | 0.24 | 0.31 | 0.33 | 0.37 | 0.27 | 0.20 | 0.22 |
| Quick Ratio | 0.36 | 0.36 | 0.31 | 0.27 | 0.24 | 0.31 | 0.33 | 0.37 | 0.27 | 0.20 | 0.22 |
| Cash Ratio | 0.00 | 0.00 | 0.04 | 0.06 | 0.01 | 0.02 | 0.02 | 0.04 | 0.02 | 0.02 | 0.03 |
| Asset Turnover | — | 0.03 | 0.04 | 0.04 | 0.03 | 0.03 | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
NFBK Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Northfield Bancorp, Inc. returns 6.2% to shareholders annually — split between a 3.7% dividend yield and 2.6% buyback yield. The payout ratio exceeds 100% at 2657.3%, meaning the company is paying out more than it earns — this level is unsustainable long-term without earnings recovery. The earnings yield of 0.1% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 3.7% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 2657.3% | 2657.3% | 72.9% | 60.5% | 39.5% | 34.4% | 58.1% | 50.2% | 46.6% | 63.2% | 53.9% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 0.1% | 0.2% | 6.2% | 6.8% | 8.4% | 9.0% | 6.2% | 5.0% | 6.3% | 3.1% | 2.9% |
| FCF Yield | 8.7% | 11.4% | 6.2% | 7.9% | 11.1% | 8.0% | 8.7% | 5.9% | 7.8% | 5.2% | 4.0% |
| Buyback Yield | 2.6% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 6.2% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $40M | $42M | $44M | $46M | $49M | $49M | $47M | $47M | $47M | $46M |
Peer Comparison
Compare NFBK with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 NFBKYou | $602M | 727.8 | 63.2 | 11.5 | 35.3% | 9.3% | 0.1% | 0.8% | 39.6 |
 KRNY | $533M | 20.2 | 45.2 | 24.9 | 44.1% | 9.0% | 3.5% | 1.1% | 35.0 |
 DCOM | $2B | 16.5 | -1.7 | 9.4 | 56.1% | 21.5% | 7.7% | 5.6% | 2.4 |
 FFIC | $524M | 28.6 | 24.8 | 9.4 | 41.9% | 7.6% | 2.6% | 1.7% | 14.9 |
 NBTB | $2B | 14.0 | 10.7 | 11.1 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 OCFC | $1B | 15.4 | 27.2 | 13.0 | 54.5% | 14.1% | 4.2% | 2.2% | 17.5 |
 TRST | $925M | 16.1 | 11.9 | 20.2 | 67.1% | 29.2% | 9.0% | 7.2% | 2.1 |
 FHN | $12B | 13.2 | 11.9 | 12.9 | 67.3% | 25.7% | 10.8% | 7.0% | 3.4 |
 ICE | $76B | 23.2 | 14.8 | 17.7 | 61.9% | 38.7% | 11.7% | 7.5% | 3.1 |
 CSGP | $13B | 1814.5 | 71.6 | 311.4 | 75.2% | -2.2% | 0.1% | -0.9% | 6.7 |
 FICO | $25B | 41.3 | 30.2 | 33.0 | 82.2% | 46.5% | — | 59.7% | 3.3 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 22 years · Updated daily
Consensus-Based Analysis Tools
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Check Valuation
Historical Returns
10-year return with dividends reinvested.
Calculate
DCA Calculator
See how regular investing compounds over time.
Run Numbers
Peer Comparison
Compare growth, multiples, and margins vs sector.
Compare
NFBK — Frequently Asked Questions
Quick answers to the most common questions about buying NFBK stock.
What is Northfield Bancorp, Inc.'s P/E ratio?
Northfield Bancorp, Inc.'s current P/E ratio is 727.8x. The historical average is 25.3x. This places it at the 100th percentile of its historical range.
What is Northfield Bancorp, Inc.'s EV/EBITDA?
Northfield Bancorp, Inc.'s current EV/EBITDA is 63.2x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 27.9x.
What is Northfield Bancorp, Inc.'s ROE?
Northfield Bancorp, Inc.'s return on equity (ROE) is 0.1%. The historical average is 5.2%.
Is NFBK stock overvalued?
Based on historical data, Northfield Bancorp, Inc. is trading at a P/E of 727.8x. This is at the 100th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Northfield Bancorp, Inc.'s dividend yield?
Northfield Bancorp, Inc.'s current dividend yield is 3.65% with a payout ratio of 2657.3%.
What are Northfield Bancorp, Inc.'s profit margins?
Northfield Bancorp, Inc. has 35.3% gross margin and 9.3% operating margin.
How much debt does Northfield Bancorp, Inc. have?
Northfield Bancorp, Inc.'s Debt/EBITDA ratio is 39.6x, indicating high leverage. A ratio above 4x may signal elevated financial risk.