Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 773.23 | 11.28 | — | 10.93 | 11.96 | 14.36 | 10.76 | 18.13 | 16.93 | 16.20 | 16.55 | 12.43 | 12.48 | 11.33 | 12.69 | 9.67 | 9.58 | 11.97 | 11.88 | 13.00 | 10.25 |
| — | -21.4% | — | -39.7% | -29.4% | -11.4% | -35.0% | +45.8% | +35.7% | +43.0% | +30.5% | +28.6% | +30.2% | -5.3% | +6.8% | -25.6% | -6.5% | +14.3% | +0.2% | -3.1% | -18.1% | |
| P/S Ratio | 8.82 | 3.66 | 2.75 | 2.99 | 2.96 | 3.21 | 3.58 | 3.75 | 3.16 | 3.30 | 4.13 | 3.19 | 3.55 | 3.46 | 4.23 | 3.73 | 3.72 | 4.38 | 4.52 | 5.07 | 4.64 |
| — | +14.0% | -23.1% | -20.2% | -6.1% | -2.7% | -13.4% | +17.5% | -11.1% | -4.8% | -2.3% | -14.6% | -4.5% | -21.0% | -6.3% | -26.3% | -19.8% | -5.0% | +19.3% | +56.1% | +18.4% | |
| P/B Ratio | 0.89 | 0.78 | 0.66 | 0.65 | 0.65 | 0.63 | 0.68 | 0.68 | 0.57 | 0.59 | 0.77 | 0.59 | 0.70 | 0.76 | 1.03 | 0.95 | 0.85 | 0.95 | 1.04 | 1.13 | 1.07 |
| — | +23.9% | -2.5% | -4.3% | +13.1% | +6.4% | -12.1% | +14.9% | -18.3% | -22.1% | -25.1% | -37.9% | -17.3% | -19.8% | -1.4% | -15.2% | -20.9% | -9.7% | +26.0% | +84.3% | +41.7% | |
| P/FCF | 12.17 | 6.90 | 7.16 | 8.63 | 8.30 | 12.17 | 20.71 | 8.67 | 14.92 | 27.22 | 10.55 | 9.09 | 49.33 | 7.78 | 7.31 | 9.47 | 7.80 | 8.79 | 9.17 | 11.46 | 49.82 |
| — | -43.3% | -65.4% | -0.5% | -44.4% | -55.3% | +96.4% | -4.6% | -69.7% | +250.0% | +44.2% | -4.0% | +532.0% | -11.5% | -20.2% | -17.4% | -84.3% | -11.4% | +39.1% | -70.8% | +407.6% | |
| EV / EBITDA | 58.64 | 23.07 | — | 19.47 | 20.28 | 22.41 | 16.74 | 30.38 | 31.78 | 31.32 | 21.76 | 25.40 | 23.13 | 19.34 | 15.61 | 10.67 | 9.81 | 11.31 | 11.86 | 11.54 | 9.53 |
| — | +3.0% | — | -35.9% | -36.2% | -28.5% | -23.0% | +19.6% | +37.4% | +62.0% | +39.4% | +138.1% | +135.7% | +71.0% | +31.6% | -7.6% | +3.0% | -3.3% | -20.0% | -15.5% | -41.7% | |
| EV / EBIT | 86.03 | 26.40 | — | 22.12 | 23.22 | 26.56 | 19.19 | 37.40 | 38.98 | 39.16 | 25.90 | 30.33 | 26.86 | 21.85 | 17.27 | 11.60 | 10.78 | 12.55 | 13.02 | 12.65 | 10.27 |
| — | -0.6% | — | -40.9% | -40.4% | -32.2% | -25.9% | +23.3% | +45.1% | +79.2% | +50.0% | +161.5% | +149.3% | +74.1% | +32.7% | -8.3% | +5.0% | -0.8% | -22.2% | -23.9% | -44.7% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 35.3% | 58.8% | 58.7% | 56.2% | 55.1% | 50.9% | 49.6% | 46.3% | 50.8% | 49.6% | 55.8% | 57.4% | 63.5% | 69.9% | 79.1% | 87.7% | 91.3% | 90.4% | 92.4% | 91.4% | 98.2% |
| — | +15.4% | +18.3% | +21.5% | +8.4% | +2.6% | -11.2% | -19.3% | -20.0% | -29.1% | -29.4% | -34.6% | -30.4% | -22.7% | -14.3% | -4.0% | -7.1% | -4.5% | +12.6% | +14.6% | +36.3% | |
| Operating Margin | 9.3% | 21.4% | -32.8% | 21.9% | 20.7% | 17.1% | 22.0% | 14.1% | 14.5% | 13.7% | 19.4% | 20.2% | 24.2% | 30.5% | 37.9% | 47.9% | 49.7% | 46.5% | 47.5% | 49.5% | 57.0% |
| — | +25.1% | -249.1% | +54.6% | +42.5% | +24.6% | +13.1% | -29.9% | -39.9% | -55.0% | -48.6% | -57.9% | -51.4% | -34.4% | -20.3% | -3.3% | -12.7% | -13.5% | +28.1% | +88.5% | +75.1% | |
| Net Margin | 0.4% | 18.8% | -40.1% | 15.9% | 14.3% | 12.5% | 17.8% | 10.4% | 9.4% | 10.0% | 14.2% | 14.9% | 17.5% | 22.0% | 27.2% | 34.3% | 35.9% | 33.7% | 34.9% | 35.9% | 41.1% |
| — | +50.9% | -325.8% | +53.2% | +51.4% | +24.6% | +25.5% | -30.5% | -46.2% | -54.4% | -48.0% | -56.5% | -51.1% | -34.8% | -22.1% | -4.6% | -12.7% | -13.9% | +26.0% | +86.1% | +72.0% |
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 0.1% | 1.7% | -3.9% | 1.5% | 1.3% | 1.1% | 1.6% | 0.9% | 0.9% | 0.9% | 1.2% | 1.2% | 1.4% | 1.7% | 2.0% | 2.4% | 2.2% | 1.9% | 2.2% | 2.2% | 2.6% |
| — | +53.7% | -342.6% | +60.5% | +57.3% | +25.1% | +34.8% | -21.5% | -38.0% | -46.9% | -41.4% | -50.5% | -37.8% | -13.8% | -6.9% | +11.9% | -15.5% | -21.6% | +26.0% | +84.6% | +72.1% | |
| ROA | 0.0% | 0.2% | -0.5% | 0.2% | 0.2% | 0.1% | 0.2% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.2% | 0.2% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.4% |
| — | +48.9% | -341.8% | +65.8% | +63.7% | +27.6% | +32.5% | -23.7% | -39.8% | -47.8% | -40.6% | -50.3% | -40.0% | -19.4% | -15.6% | +1.0% | -21.0% | -23.4% | +26.4% | +84.0% | +67.3% | |
| ROIC | 0.8% | 0.6% | -1.0% | 0.7% | 0.7% | 0.5% | 0.6% | 0.4% | 0.4% | 0.4% | 0.5% | 0.5% | 0.6% | 0.8% | 1.1% | 1.5% | 1.4% | 1.2% | 1.4% | 1.3% | 1.6% |
| — | +13.6% | -255.0% | +83.3% | +79.5% | +45.6% | +23.7% | -25.2% | -35.6% | -51.9% | -54.4% | -67.6% | -59.8% | -37.4% | -16.6% | +11.5% | -8.2% | -10.3% | +46.6% | +115.1% | +99.7% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.44 | 1.28 | 1.44 | 1.35 | 1.30 | 1.13 | 1.08 | 1.55 | 1.71 | 1.66 | 1.23 | 1.49 | 1.49 | 1.50 | 0.98 | 0.74 | 0.63 | 0.61 | 0.62 | 0.63 | 0.68 |
| — | +13.8% | +33.2% | -13.1% | -23.9% | -32.1% | -12.4% | +4.4% | +14.9% | +10.7% | +26.1% | +102.2% | +136.4% | +146.2% | +56.5% | +17.4% | -7.2% | -27.4% | -25.9% | -28.7% | -26.9% | |
| Debt / EBITDA | 39.64 | 57.93 | — | 57.79 | 58.19 | 62.68 | 47.62 | 99.26 | 105.36 | 109.01 | 64.06 | 76.98 | 66.80 | 57.16 | 31.45 | 19.76 | 18.65 | 20.21 | 19.19 | 19.06 | 17.30 |
| — | -7.6% | — | -41.8% | -44.8% | -42.5% | -25.7% | +28.9% | +57.7% | +90.7% | +103.7% | +289.6% | +258.1% | +182.8% | +63.9% | +3.7% | +7.8% | -11.7% | -40.3% | -59.2% | -56.4% | |
| Current Ratio | 0.23 | 7.13 | 0.23 | 0.22 | 0.36 | 0.31 | 0.31 | 0.34 | 0.34 | — | 0.27 | 0.23 | 0.24 | 0.27 | 0.24 | 0.24 | 0.27 | 0.30 | 0.31 | 0.30 | 0.31 |
| — | +2202.5% | -25.9% | -35.6% | +4.6% | — | +16.4% | +49.0% | +43.3% | — | +10.9% | -6.6% | -12.3% | -7.8% | -22.0% | -19.1% | -13.1% | -6.6% | -5.5% | -17.2% | -0.1% | |
| Quick Ratio | 0.23 | 7.13 | 0.23 | 0.22 | 0.36 | 0.31 | 0.31 | 0.34 | 0.34 | — | 0.27 | 0.23 | 0.24 | 0.27 | 0.24 | 0.24 | 0.27 | 0.30 | 0.31 | 0.30 | 0.31 |
| — | +2202.5% | -25.9% | -35.6% | +4.6% | — | +16.4% | +49.0% | +43.3% | — | +10.9% | -6.6% | -12.3% | -7.8% | -22.0% | -19.1% | -13.1% | -6.6% | -5.5% | -17.2% | -0.1% | |
| Interest Coverage | 0.15 | 0.52 | -0.83 | 0.52 | 0.49 | 0.38 | 0.46 | 0.29 | 0.29 | 0.28 | 0.44 | 0.48 | 0.64 | 1.08 | 2.09 | 4.50 | 6.52 | 5.86 | 6.30 | 5.94 | 6.03 |
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Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying NFBK stock.
Northfield Bancorp, Inc.'s current P/E is 773.2x. The average P/E over the last 3 quarters is 11.4x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Northfield Bancorp, Inc.'s current operating margin is 9.3%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Northfield Bancorp, Inc.'s business trajectory between earnings reports.