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NFBK vs V

NFBK
Northfield Bancorp, Inc.
NEUTRAL
Price
$13.85
Market Cap
$578.4M
Sector
Financial Services
AI Confidence
80%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
NFBK
692.5
V
28.35
Forward P/E
NFBK
9.23
V
20.79
P/B Ratio
NFBK
0.84
V
15.09
P/S Ratio
NFBK
3.94
V
14.08
EV/EBITDA
NFBK
--
V
20.06

Profitability

Gross Margin
NFBK
0.0%
V
97.78%
Operating Margin
NFBK
48.46%
V
68.3%
Profit Margin
NFBK
0.54%
V
50.23%
ROE
NFBK
0.11%
V
53.95%
ROA
NFBK
0.01%
V
18.36%

Growth

Revenue Growth
NFBK
14.2%
V
14.6%
Earnings Growth
NFBK
--
V
17.4%

Financial Health

Debt/Equity
NFBK
--
V
0.55
Current Ratio
NFBK
--
V
1.11
Quick Ratio
NFBK
--
V
0.72

Dividends

Dividend Yield
NFBK
3.74%
V
0.89%
Payout Ratio
NFBK
2600.0%
V
22.91%

AI Verdict

NFBK NEUTRAL

NFBK presents a complex profile with a Piotroski F-Score of 4/9, indicating stable but mediocre financial health. While the trailing P/E of 692.50 is an extreme outlier, the Forward P/E of 9.23 and a Price-to-Book ratio of 0.84 suggest the market is pricing in a significant earnings recovery and valuing the company below its asset base. However, current profitability is critically low (ROE 0.11%) and the dividend payout ratio of 2600% is fundamentally unsustainable. The stock is currently trading at a massive premium to its Graham Number ($2.73) and Intrinsic Value ($0.14), indicating that the current price is driven by growth expectations rather than current fundamentals.

Strengths
Attractive Forward P/E of 9.23 suggesting earnings recovery
Trading below book value (P/B 0.84)
Strong revenue growth (14.20% YoY)
Risks
Critically low ROE (0.11%) and ROA (0.01%)
Unsustainable dividend payout ratio (2600%)
Extremely thin profit margins (0.54%)
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

NFBK vs V: Head-to-Head Comparison

This page compares Northfield Bancorp, Inc. (NFBK) and Visa Inc. (V) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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