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INDICATIVE · SAMPLE DATA
NFBK$14.1860

Northfield Bancorp Inc

BanksVerified

Northfield Bancorp Inc has a market price of $14.18 and a market cap of $592.21 million, indicating a relatively small market capitalization. The company's price-to-earnings ratio is 743.98, which is significantly higher than the industry median, suggesting that the stock is overvalued relative to its earnings. The price-to-book ratio is 0.86, indicating that the company's market value is lower than its book value, which may suggest undervaluation or poor investor sentiment. In terms of profitability, Northfield Bancorp Inc has a return on equity of 0.0012 and a return on assets of 0.0001, both of which are below the industry median. This indicates that the company is not generating strong returns for its shareholders or effectively utilizing its assets. The company's net income is $796,000, which is relatively low compared to its revenue of $137.37 million, suggesting that the company is not highly profitable. Northfield Bancorp Inc's revenue is primarily concentrated in the United States, as it operates commercial and retail banking services domestically. The company does not have significant international exposure, which may limit its growth potential but also reduce its exposure to foreign economic and political risks. The company's growth trajectory is modest, with a revenue of $137.37 million. However, the company's free cash flow is negative at -$18.26 million, indicating that it is not generating sufficient cash to fund its operations and growth initiatives. The company's capital expenditure is -$1.15 million, suggesting that it is not investing heavily in new projects or infrastructure. Northfield Bancorp Inc faces several risk factors, including a medium liquidity risk and a low dilution risk. The company's debt-to-equity ratio is 0.1, indicating a relatively low level of debt. However, the company has a negative net cash position after subtracting total debt, which may pose liquidity challenges. Recent events and filings indicate that Northfield Bancorp Inc has a mean price target of $14.50 from analysts, with a median and high price target also at $14.50. The company has one hold recommendation and no strong buy or buy recommendations, suggesting a cautious outlook from analysts.

30-day price · NFBK+0.27 (+1.9%)
Low$13.52High$14.31Close$14.17As of22 May, 00:00 UTC
Profile
CompanyNorthfield Bancorp Inc
TickerNFBK.O
SectorFinancials
BusinessBanking & Investment Services
Industry groupBanking & Investment Services
IndustryBanks
AI analysis

Business. Northfield Bancorp Inc provides commercial and retail banking services, including deposits, loans, and wealth management, primarily in the United States.

Classification. Northfield Bancorp Inc is classified under the Financials economic sector, Banking & Investment Services business sector, and Banks industry with a confidence level of 0.92.

Northfield Bancorp Inc has a market price of $14.18 and a market cap of $592.21 million, indicating a relatively small market capitalization. The company's price-to-earnings ratio is 743.98, which is significantly higher than the industry median, suggesting that the stock is overvalued relative to its earnings. The price-to-book ratio is 0.86, indicating that the company's market value is lower than its book value, which may suggest undervaluation or poor investor sentiment. In terms of profitability, Northfield Bancorp Inc has a return on equity of 0.0012 and a return on assets of 0.0001, both of which are below the industry median. This indicates that the company is not generating strong returns for its shareholders or effectively utilizing its assets. The company's net income is $796,000, which is relatively low compared to its revenue of $137.37 million, suggesting that the company is not highly profitable. Northfield Bancorp Inc's revenue is primarily concentrated in the United States, as it operates commercial and retail banking services domestically. The company does not have significant international exposure, which may limit its growth potential but also reduce its exposure to foreign economic and political risks. The company's growth trajectory is modest, with a revenue of $137.37 million. However, the company's free cash flow is negative at -$18.26 million, indicating that it is not generating sufficient cash to fund its operations and growth initiatives. The company's capital expenditure is -$1.15 million, suggesting that it is not investing heavily in new projects or infrastructure. Northfield Bancorp Inc faces several risk factors, including a medium liquidity risk and a low dilution risk. The company's debt-to-equity ratio is 0.1, indicating a relatively low level of debt. However, the company has a negative net cash position after subtracting total debt, which may pose liquidity challenges. Recent events and filings indicate that Northfield Bancorp Inc has a mean price target of $14.50 from analysts, with a median and high price target also at $14.50. The company has one hold recommendation and no strong buy or buy recommendations, suggesting a cautious outlook from analysts.
Key takeaways
  • Northfield Bancorp Inc has a high price-to-earnings ratio, indicating potential overvaluation.
  • The company's return on equity and return on assets are below the industry median, suggesting poor profitability.
  • Northfield Bancorp Inc's revenue is primarily concentrated in the United States, limiting its international exposure.
  • The company has a negative free cash flow, indicating insufficient cash generation for operations and growth.
  • Analysts have a cautious outlook on the company, with one hold recommendation and no strong buy or buy recommendations.
  • ## RATIONALES
  • **margin_outlook_rationale**: The company's profitability is weak, with a return on equity and return on assets below the industry median.
  • **rd_outlook_rationale**: The company is not investing heavily in new projects or infrastructure, as indicated by its negative capital expenditure.
Financial snapshot
PeriodHA-latest
CurrencyUSD
Revenue$137.4M
Gross profit
Operating income
Net income$796.0k
R&D
SG&A
D&A
SBC
Operating cash flow$53.7M
CapEx-$1.1M
Free cash flow-$18.3M
Total assets$5.75B
Total liabilities$5.06B
Total equity$690.1M
Cash & equivalents
Long-term debt$68.1M
Valuation
Market price$14.18
Market cap$592.2M
Enterprise value$660.3M
P/E744.0
Reported non-GAAP P/E
EV/Revenue4.8
EV/Op income
EV/OCF12.3
P/B0.9
P/Tangible book0.9
Tangible book$690.1M
Net cash-$68.1M
Current ratio
Debt/Equity0.1
ROA0.0%
ROE0.1%
Cash conversion67.5%
CapEx/Revenue-0.8%
SBC/Revenue
Asset intensity
Dilution ratio0.0%
Risk assessment
Dilution riskLow
Liquidity riskMedium
  • Net cash is negative after subtracting total debt.
Industry benchmarks
Activity: Banks · cohort 670 companies
MetricNFBKActivity
Op margin36.8% medp25 22.9% · p75 60.0%
Net margin0.6%33.6% medp25 19.4% · p75 51.1%bottom quartile
Gross margin55.0% medp25 42.9% · p75 88.7%
CapEx / revenue-0.8%-4.6% medp25 -10.4% · p75 -2.1%top quartile
Debt / equity10.0%56.1% medp25 13.2% · p75 161.2%bottom quartile
Observations
IR observations
Mean price target14.50 USD
Median price target14.50 USD
High price target14.50 USD
Low price target14.50 USD
Mean recommendation3.00 (1=strong buy, 5=strong sell)
Strong-buy count0.00
Buy count0.00
Hold count1.00
Sell count0.00
Strong-sell count0.00
Mean EPS estimate1.35 USD
Last actual EPS1.04 USD
Competitor context
JPMJPMorgan ChaseUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
BACBank of AmericaUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
CCitigroupUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
Source data
Underlying data the analysis-pipeline pulls and audits. Fetch timestamps + content hashes show when each source was last refreshed.
Company fundamentalsperiod financials
no public URL
2026-05-22 17:40 UTC#72c0b25c
Source: analysis-pipeline (hybrid)Generated: 2026-05-28 17:51 UTCJob: c23f8079