NFBK
NEUTRAL
$13.85
Live
Northfield Bancorp, Inc. · NASDAQ
Target $14.5
(+4.7%)
$9.46
52W Range
$14.11
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 15, 2026
Market cap
$578.43M
P/E
692.5
ROE
0.1%
Profit margin
0.5%
Debt/Equity
N/A
Dividend yield
3.74%
AI Analysis
AI-powered fundamental assessment
Confidence
80%
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.
Key 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)
Consistent track record of beating earnings estimates (3/4 last 4 quarters)
Strong 1-year price appreciation (+52%)
Key Risks
Critically low ROE (0.11%) and ROA (0.01%)
Unsustainable dividend payout ratio (2600%)
Extremely thin profit margins (0.54%)
Bearish technical trend score (10/100) despite recent price gains
Significant discrepancy between current price and Graham/Intrinsic value
AI Fair Value Estimate
Based on comprehensive analysis
$14.1
+1.8% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
45
Moderate
40
75
60
35
15
AI Verdict
Speculative Value
Key drivers: P/B ratio < 1, Forward P/E vs Trailing P/E, Unsustainable Dividend Payout, Low ROE
Confidence
85%
Value
40/100
Ref P/E, PEG, Graham Number
Positives
- P/B of 0.84 is attractive for a regional bank
Watchpoints
- Trailing P/E is astronomical
- Trades far above Graham Number ($2.73)
Future
75/100
Ref Growth rates
Positives
- Double-digit revenue growth
- Strong YoY EPS growth (+61.9%)
- Low Forward P/E
Watchpoints
- Dependence on rapid earnings recovery to justify price
Past
60/100
Ref Historical trends
Positives
- Consistent earnings surprises
- Strong 1Y and 6M price momentum
Watchpoints
- Poor 5Y overall change (+5.8%)
Health
35/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Piotroski F-Score of 4/9 is stable
Watchpoints
- Near-zero ROE and ROA
- Thin profit margins
Dividend
15/100
Ref Yield, Payout
Positives
- Decent yield of 3.74%
Watchpoints
- Payout ratio of 2600% is a major red flag
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$13.85
Analyst Target
$14.5
Upside/Downside
+4.7%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for NFBK and closest competitors.
Updated 2026-04-14
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
NFBK
Northfield Bancorp, Inc.
Primary
|
+5.8% | +45.8% | +52.0% | +25.4% | +6.0% | +0.6% |
|
GAIN
Gladstone Investment Corporation
Peer
|
+89.5% | +63.5% | +23.5% | +11.8% | +7.5% | +1.0% |
|
BIT
BlackRock Multi-Sector Income Trust
Peer
|
+22.9% | +18.3% | -0.7% | -4.7% | +1.2% | +0.1% |
|
GEMI
Gemini Space Station, Inc.
Peer
|
-84.8% | -84.8% | -84.8% | -80.8% | -47.5% | +13.5% |
|
PFIS
Peoples Financial Services Corp.
Peer
|
+66.9% | +54.0% | +41.2% | +28.3% | +9.4% | -2.6% |
NFB
Northfield Bancorp, Inc.
Primary
5Y
+5.8%
3Y
+45.8%
1Y
+52.0%
6M
+25.4%
1M
+6.0%
1W
+0.6%
GAI
Gladstone Investment Corporation
Peer
5Y
+89.5%
3Y
+63.5%
1Y
+23.5%
6M
+11.8%
1M
+7.5%
1W
+1.0%
BIT
BlackRock Multi-Sector Income Trust
Peer
5Y
+22.9%
3Y
+18.3%
1Y
-0.7%
6M
-4.7%
1M
+1.2%
1W
+0.1%
GEM
Gemini Space Station, Inc.
Peer
5Y
-84.8%
3Y
-84.8%
1Y
-84.8%
6M
-80.8%
1M
-47.5%
1W
+13.5%
PFI
Peoples Financial Services Corp.
Peer
5Y
+66.9%
3Y
+54.0%
1Y
+41.2%
6M
+28.3%
1M
+9.4%
1W
-2.6%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
692.5
Forward P/E
9.23
PEG Ratio
N/A
P/B Ratio
0.84
P/S Ratio
3.94
EV/Revenue
9.46
EV/EBITDA
N/A
Market Cap
$578.43M
Profitability
Profit margins and return metrics
Profit Margin
0.54%
Operating Margin
48.46%
Gross Margin
N/A
ROE
0.11%
ROA
0.01%
Growth
Revenue and earnings growth rates
Revenue Growth
+14.2%
Earnings Growth
N/A
Q/Q Revenue Growth
+12.69%
Q/Q Earnings Growth
N/A
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$4.41
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.0B
Net Margin
-66.3%
Total Assets
$5.8B
Liabilities
$5.1B
Equity
$0.7B
Debt/Equity
7.34x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
98%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-22
$N/A
2026-02-02
$0.34
+21.4% surprise
2025-10-22
$0.27
+3.9% surprise
2025-07-23
$0.24
+6.7% surprise
Financial Services Sector Comparison
Comparing NFBK against 579 companies in the Financial Services sector
(106 bullish, 239 neutral, 234 bearish)
P/E Ratio
692.5
This Stock
vs
41.68
Sector Avg
+1561.5%
(Expensive)
Return on Equity (ROE)
0.11%
This Stock
vs
-0.24%
Sector Avg
-146.9%
(Below Avg)
Profit Margin
0.54%
This Stock
vs
47.47%
Sector Avg
-98.9%
(Weaker)
Revenue Growth
14.2%
This Stock
vs
39.3%
Sector Avg
-63.9%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
NFBK
Northfield Bancorp, Inc.
|
NEUTRAL | $578.43M | 692.5 | 0.1% | 0.5% | $13.85 | |
|
GAIN
Gladstone Investment Corporation
|
NEUTRAL | $578.61M | 4.6 | 22.2% | 118.6% | $14.53 | Compare |
|
BIT
BlackRock Multi-Sector Income Trust
|
BEARISH | $578.22M | 9.34 | -% | -% | $13.17 | Compare |
|
GEMI
Gemini Space Station, Inc.
|
BEARISH | $584.33M | - | -416.5% | -% | $4.87 | Compare |
|
PFIS
Peoples Financial Services Corp.
|
NEUTRAL | $567.62M | 9.65 | 12.0% | 31.6% | $56.73 | Compare |
NFBK
Northfield Bancorp, Inc.
NEUTRAL
Mkt Cap
$578M
P/E
692.5
ROE
0.1%
Price
$13.85
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-19 | FASANELLA DAVID | Officer | Purchase | 7,500 | $98,025 |
| 2026-03-17 | STAHLIN PAUL V. CPA | Director | Purchase | 10,000 | $131,900 |
| 2026-02-04 | LEFKOWITZ ROBIN | Officer | Stock Award | 6,939 | $94,995 |
| 2026-02-04 | FASANELLA DAVID | Officer | Stock Award | 7,533 | $103,127 |
| 2026-02-04 | STAHLIN PAUL V. CPA | Director | Stock Award | 4,383 | $60,003 |
| 2026-02-04 | TOMASELLO VICKIE | Officer | Stock Award | 6,483 | $88,752 |
| 2026-02-04 | KULKARNI RACHANA A | Director | Stock Award | 4,383 | $60,003 |
| 2026-02-04 | CATINO ANNETTE | Director | Stock Award | 4,383 | $60,003 |
| 2026-02-04 | CHAPMAN GIL | Director | Stock Award | 4,383 | $60,003 |
| 2026-02-04 | CONNORS JOHN P JR | Director | Stock Award | 4,383 | $60,003 |
| 2026-02-04 | JACOBS WILLIAM R | Officer | Stock Award | 7,944 | $108,753 |
| 2026-02-04 | PATAFIO FRANK P | Director | Stock Award | 4,383 | $60,003 |
| 2026-02-04 | KESSLER KAREN J | Director | Stock Award | 4,383 | $60,003 |
| 2026-02-04 | HARRISON TIMOTHY C | Director | Stock Award | 4,383 | $60,003 |
FASANELLA DAVID
Officer
2026-03-19
7,500 shares
·
$98,025
STAHLIN PAUL V. CPA
Director
2026-03-17
10,000 shares
·
$131,900
LEFKOWITZ ROBIN
Officer
2026-02-04
6,939 shares
·
$94,995
FASANELLA DAVID
Officer
2026-02-04
7,533 shares
·
$103,127
STAHLIN PAUL V. CPA
Director
2026-02-04
4,383 shares
·
$60,003
TOMASELLO VICKIE
Officer
2026-02-04
6,483 shares
·
$88,752
KULKARNI RACHANA A
Director
2026-02-04
4,383 shares
·
$60,003
CATINO ANNETTE
Director
2026-02-04
4,383 shares
·
$60,003
CHAPMAN GIL
Director
2026-02-04
4,383 shares
·
$60,003
CONNORS JOHN P JR
Director
2026-02-04
4,383 shares
·
$60,003
JACOBS WILLIAM R
Officer
2026-02-04
7,944 shares
·
$108,753
PATAFIO FRANK P
Director
2026-02-04
4,383 shares
·
$60,003
KESSLER KAREN J
Director
2026-02-04
4,383 shares
·
$60,003
HARRISON TIMOTHY C
Director
2026-02-04
4,383 shares
·
$60,003
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
NONE
1 analysts
Keefe, Bruyette & Woods
2026-02-06
Market Perform
Market Perform
Keefe, Bruyette & Woods
2025-10-28
Market Perform
Market Perform
Past News Coverage
Recent headlines mentioning NFBK from our newsroom.
Newest → oldest
No matching news yet.