Northfield Bancorp (NFBK) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Northfield Bancorp

NasdaqGS•Financial Services•Banks - Regional

$15.31+15.31(0.00%)Pre-market

Market Cap

$609.12M

P/E

127.9x

P/S

2.3x

P/B

0.9x

Northfield Bancorp, Inc. operates as the bank holding company for Northfield Bank that provides a range of banking services primarily to individuals and corporate customers. It offers deposit accounts, including transaction, money market savings, certificates of deposit, passbook and statement savings deposit accounts. The company also provides commercial and industrial and owner-occupied commercial real estate loans; one-to-four family residential real estate loans; multifamily loans; construction and land loans; home equity loans and lines of credit; and small business loans. In addition, it purchases investment securities, including mortgage-backed securities and corporate bonds, and deposit funds in other financial institutions. Further, the company provides automated teller machines and debit cards; telephone, internet, and mobile banking services; and ACH and wire transfers, cash management, positive pay, and remote deposit capture services. It operates in Richmond and Kings counties in New York; and Hunterdon, Mercer, Union, and Middlesex counties in New Jersey. Northfield Bancorp, Inc. was founded in 1887 and is headquartered in Woodbridge, New Jersey.

How this company scores

WeakMetricSide Score: 54/100

Grade capped at D — Interest coverage below 1× (0.7x) — earnings cannot cover interest. Strongest: Cash & Earnings Quality (25/25); weakest: Balance Sheet & Red Flags (7/25).

Profitability9/25

Growth13/25

Balance Sheet & Red Flags7/25

Cash & Earnings Quality25/25

Strengths

Rising free cash flowCash-backed earningsConsistent free cash flowConsistent growth

Grade capped at D

Interest coverage below 1× (0.7x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 127.9x5y range 9.9x – 741.0x

Currently above its 20-quarter median.

P/S · 2.3x5y range 2.2x – 3.9x

Currently near its 20-quarter median.

P/B · 0.9x5y range 0.8x – 1.0x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Red Flag

Operating margins dropped 47.2% over recent quarters — a sharp decline suggesting serious cost or pricing challenges.

Price & Volume

Market Cap $609.12M

Metrics at a Glance

as of March 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $269.25M
Q. Revenue: $66.32M
TTM EBITDA: $23.16M
TTM Op. Income: $23.12M
Q. Op. Income: $16.87M
TTM Net Income: $4.76M
Q. Net Income: $11.84M
EPS: $0.3
Shares Out.: $39.79M

$269.25M in TTM revenue grew 5.3% YoY, reaching $66.32M last quarter. TTM EBITDA of $23.16M and TTM operating income of $23.12M show growth is flowing through to the bottom line. TTM net income of $4.76M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 60.9%
EBITDA Margin: 25.4%
Op. Margin: 25.4%
Net Margin: 17.9%

Op. margin of 25.4% is up 8.3% YoY — cost efficiency is improving. Net margin at 17.9% and gross margin of 60.9% show how much of each revenue dollar survives to profit. Over the past year, operating margin is up 49% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 127.9x
P/S Ratio: 2.3x
P/B Ratio: 0.9x

At 127.9x P/E, the stock trades above typical market levels — the market expects above-average growth. P/S of 2.3x and P/B of 0.9x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is up 566% — an improving trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $5.74B
Cash: $239.61M
Long-Term Debt: $802.18M
Book Value: $694.69M
D/E Ratio: 1.2
Debt/EBITDA: 47.6

With $5.74B in assets and $802.18M in long-term debt, D/E is 1.2and book value is $694.69M — moderate leverage. Over the past year, debt/equity is up 16% — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $19.78M
TTM Free Cash Flow: $62.97M
FCF Margin: 23.4%
FCF / Net Income: 13.2

TTM FCF of $62.97M on $19.78M in operating cash flow. The FCF / Net Income ratio of 13.2x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 2 consecutive quarters — an improving trend.