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Apr 21, 2026·SEC
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Northfield Bancorp, Inc.(NFBK)Earnings, Financials & Key Ratios
NFBK•NASDAQ•Banking & Credit
$14.84
749.5× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-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 Price & Volume
Northfield Bancorp, Inc. (NFBK) stock price & volume — 10-year historical chart
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Structural Margin Compression Challenges Northfield Bancorp Stability
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Mixed
Profitability:Strained
Financial:Vulnerable
Cash Flow:Mixed
Primary Risk:CRE Concentration and NIM
Key Thesis Takeaways
- Northfield Bancorp faces a challenging outlook characterized by persistent net interest margin compression at 0.6% and significant earnings volatility, highlighted by a $27.4 million net loss in 2025Q4.
- While the bank has managed to grow net interest income to $37.0 million as of 2026Q1, its heavy reliance on a $5.5 billion investment securities portfolio creates structural duration risks.
- Investors should monitor the sustainability of the dividend payout, which remained constant at approximately $5.3 million per quarter despite recent periods of negative profitability.
Verdict Logic
while the forward P/E of 11.10 suggests potential value, the persistent 0.6% net interest margin and historical earnings volatility warrant a cautious approach until structural margin expansion is confirmed.
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-84.93%
EPS CAGR
10 Years-26.83%
5 Years-51.79%
3 Years-75.34%
TTM-84.21%
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
●Beat EPS 6/12 qtrs (50%)●Beat Revenue 11/12 qtrs (92%)
Q2 2026Latest
Apr 20, 2026Metric
Actual
Est
EPS
$0.34+6.3%
$0.32
Rev
$40M-0.6%
$41M
Q1 2026
Feb 2, 2026Metric
Actual
Est
EPS
$0.34+21.4%
$0.28
Rev
$41M+4.7%
$39M
Q4 2025
Oct 22, 2025Metric
Actual
Est
EPS
$0.27+0.0%
$0.27
Rev
$39M+0.2%
$39M
Q3 2025
Jul 23, 2025Metric
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 →
Peers Comparison
Key metrics vs top competitors for Northfield Bancorp, Inc. (NFBK)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $14.84 | $619.78M | 749.49 | -26.69% | 0.43% | 0.11% | 3.55% | |
| $9.31 | $585.91M | 22.17 | 5.09% | 10.39% | 4.75% | — | |
| $39.64 | $1.75B | 16.73 | 13.03% | 16.65% | 8.46% | — | |
| $15.47 | $524.18M | 28.65 | 11.06% | 7.15% | 4.89% | — | |
| $49.63 | $2.58B | 14.90 | 10.36% | 19.66% | 9.83% | — | |
| $18.96 | $1.09B | 16.21 | -4.7% | 10.55% | 4.22% | — |
Compare NFBK vs Peers
Northfield Bancorp, Inc. (NFBK) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
NFBK SEC Filings & Documents
Northfield Bancorp, Inc. (NFBK) SEC filings — annual & quarterly reports (10-K, 10-Q)
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NFBK Frequently Asked Questions
Northfield Bancorp, Inc. (NFBK) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Northfield Bancorp, Inc. growing?
Northfield Bancorp, Inc. (NFBK) saw revenue decline by 26.7% over the past year.
Is NFBK profitable?
Yes, Northfield Bancorp, Inc. (NFBK) is profitable, generating $4.8M in net income for fiscal year 2025 (0.4% net margin).
Dividend & Returns
Does NFBK pay dividends?
Yes, Northfield Bancorp, Inc. (NFBK) pays a dividend with a yield of 3.55%. This makes it attractive for income-focused investors.
What is NFBK's return on equity?
Northfield Bancorp, Inc. (NFBK) has a return on equity (ROE) of 0.1%. This is below average, suggesting room for improvement.
Industry Metrics
What is Northfield Bancorp, Inc.'s net interest margin?
Northfield Bancorp, Inc. (NFBK) has a net interest margin (NIM) of 2.4%. NIM has been under pressure due to interest rate environment.
What is Northfield Bancorp, Inc.'s efficiency ratio?
Northfield Bancorp, Inc. (NFBK) has an efficiency ratio of 26.1%. This is excellent, indicating strong cost control.