📊 NFBK Key Takeaways
Is Northfield Bancorp, Inc. (NFBK) a Good Investment?
Northfield Bancorp faces severe financial distress with interest coverage of 0.6x, indicating inability to cover interest expenses from operating income. The 97% revenue collapse and near-zero returns (ROE 0.1%, ROA 0.0%) reflect fundamental deterioration in core operations, creating acute solvency concerns for a federally chartered savings institution.
Profitability has collapsed, with revenue and net income down ~97% YoY, ROE near zero, and interest coverage below 1—pointing to severe earnings pressure from higher funding costs and compressed spreads. While capital is sizable ($690M equity) and operating cash flow is positive, current earnings power is too weak to be constructive. Fundamentals need clear improvement in core net interest income and funding costs before a more positive view is warranted.
Why Buy Northfield Bancorp, Inc. Stock? NFBK Key Strengths
- Positive operating cash flow of $53.7M provides near-term liquidity buffer
- Substantial asset base of $5.8B provides structural foundation for potential recovery
- Debt-to-equity ratio of 0.97x is moderate relative to banking sector leverage norms
- Positive operating cash flow and low capex supporting free cash flow
- Sizable equity base ($690M) with moderate long‑term debt to equity (~0.97x)
- Positive operating income and net margin despite pressure
NFBK Stock Risks: Northfield Bancorp, Inc. Investment Risks
- Interest coverage of 0.6x indicates operating income insufficient to service debt; critical for financial institutions
- Net income collapse of 97.3% YoY signals fundamental business deterioration or structural operational failure
- ROE and ROA essentially zero (0.1% and 0.0%) demonstrate company is destroying shareholder value and barely generating asset returns
- Unexplained revenue decline of 97% suggests either major business loss or potential accounting/reporting anomalies
- Long-term debt of $666.4M nearly equals equity of $690.1M, indicating leverage stress
- Revenue and EPS down ~97% YoY indicating collapsing earnings power
- Interest coverage at 0.6x signals funding cost stress and weak capacity to cover interest
- Extremely low ROE/ROA reflect poor returns and vulnerability to further margin compression or credit losses
Key Metrics to Watch
- Interest coverage ratio trending back above 1.0x for debt service sustainability
- Revenue stabilization and recovery path; identify drivers of 97% collapse
- Net interest margin and provision for credit losses to assess core profitability recovery
- Net interest margin (NIM)
- Interest coverage ratio
Northfield Bancorp, Inc. (NFBK) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 764.9% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
NFBK Profit Margin, ROE & Profitability Analysis
NFBK vs Finance Sector: How Northfield Bancorp, Inc. Compares
How Northfield Bancorp, Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Northfield Bancorp, Inc. Stock Overvalued? NFBK Valuation Analysis 2026
Based on fundamental analysis, Northfield Bancorp, Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Northfield Bancorp, Inc. Balance Sheet: NFBK Debt, Cash & Liquidity
NFBK Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Northfield Bancorp, Inc.'s revenue has grown significantly by 27% over the 5-year period, indicating strong business expansion. The most recent EPS of $0.86 reflects profitable operations.
NFBK Revenue Growth, EPS Growth & YoY Performance
NFBK Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $1.6M | $6.5M | $0.16 |
| Q2 2025 | $1.6M | $6.0M | $0.14 |
| Q1 2025 | $1.6M | $6.2M | $0.15 |
| Q3 2024 | $1.3M | $6.5M | $0.16 |
| Q2 2024 | $1.3M | $6.0M | $0.14 |
| Q1 2024 | $1.4M | $6.2M | $0.15 |
| Q3 2023 | $1.3M | $8.2M | $0.19 |
| Q2 2023 | $1.3M | $9.6M | $0.22 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Northfield Bancorp, Inc. Dividends, Buybacks & Capital Allocation
NFBK SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Northfield Bancorp, Inc. (CIK: 0001493225)
📋 Recent SEC Filings
❓ Frequently Asked Questions about NFBK
What is the AI rating for NFBK?
Northfield Bancorp, Inc. (NFBK) has a Combined AI Rating of SELL from Claude (STRONG SELL) and ChatGPT (SELL) with 76% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are NFBK's key strengths?
Claude: Positive operating cash flow of $53.7M provides near-term liquidity buffer. Substantial asset base of $5.8B provides structural foundation for potential recovery. ChatGPT: Positive operating cash flow and low capex supporting free cash flow. Sizable equity base ($690M) with moderate long‑term debt to equity (~0.97x).
What are the risks of investing in NFBK?
Claude: Interest coverage of 0.6x indicates operating income insufficient to service debt; critical for financial institutions. Net income collapse of 97.3% YoY signals fundamental business deterioration or structural operational failure. ChatGPT: Revenue and EPS down ~97% YoY indicating collapsing earnings power. Interest coverage at 0.6x signals funding cost stress and weak capacity to cover interest.
What is NFBK's revenue and growth?
Northfield Bancorp, Inc. reported revenue of $6.9M.
Does NFBK pay dividends?
Northfield Bancorp, Inc. pays dividends, with $21.2M distributed to shareholders in the trailing twelve months.
Where can I find NFBK SEC filings?
Official SEC filings for Northfield Bancorp, Inc. (CIK: 0001493225) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is NFBK's EPS?
Northfield Bancorp, Inc. has a diluted EPS of $0.02.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is NFBK a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Northfield Bancorp, Inc. has a SELL rating with 76% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is NFBK stock overvalued or undervalued?
Valuation metrics for NFBK: ROE of 0.1% (sector avg: 12%), net margin of 11.6% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy NFBK stock in 2026?
Our dual AI analysis gives Northfield Bancorp, Inc. a combined SELL rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is NFBK's free cash flow?
Northfield Bancorp, Inc.'s operating cash flow is $53.7M, with capital expenditures of $1.2M. FCF margin is 764.9%.
How does NFBK compare to other Finance stocks?
Vs Finance sector averages: Net margin 11.6% (avg: 25%), ROE 0.1% (avg: 12%), current ratio N/A (avg: 1.2).