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Upturn stock ratingUpturn stock rating
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Northfield Bancorp Inc (NFBK)

Upturn stock ratingUpturn stock rating
$11.48
Last Close (24-hour delay)
Profit since last BUY1.15%
upturn advisory
Consider higher Upturn Star rating
BUY since 36 days
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Upturn Advisory Summary

06/30/2025: NFBK (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

3 Analysts rated it

Limited analyst coverage, niche firm, research info may be scarce.

1 Year Target Price $12

1 Year Target Price $12

Analysts Price Target For last 52 week
$12Target price
Low$8.53
Current$11.48
high$14.07

Analysis of Past Performance

Type Stock
Historic Profit 3.88%
Avg. Invested days 42
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/30/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 507.68M USD
Price to earnings Ratio 15.67
1Y Target Price 12
Price to earnings Ratio 15.67
1Y Target Price 12
Volume (30-day avg) 3
Beta 0.77
52 Weeks Range 8.53 - 14.07
Updated Date 06/30/2025
52 Weeks Range 8.53 - 14.07
Updated Date 06/30/2025
Dividends yield (FY) 4.37%
Basic EPS (TTM) 0.76

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Product revenue - Year on Year

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 24.62%
Operating Margin (TTM) 35.41%

Management Effectiveness

Return on Assets (TTM) 0.55%
Return on Equity (TTM) 4.49%

Valuation

Trailing PE 15.67
Forward PE -
Enterprise Value 1195303680
Price to Sales(TTM) 3.95
Enterprise Value 1195303680
Price to Sales(TTM) 3.95
Enterprise Value to Revenue 9.97
Enterprise Value to EBITDA -
Shares Outstanding 42626100
Shares Floating 40495209
Shares Outstanding 42626100
Shares Floating 40495209
Percent Insiders 12.99
Percent Institutions 58.99

Analyst Ratings

Rating 2
Target Price 12
Buy -
Strong Buy -
Buy -
Strong Buy -
Hold 3
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

Northfield Bancorp Inc

stock logo

Company Overview

overview logo History and Background

Northfield Bancorp, Inc. was founded in 1887 as a mutual savings bank. Initially serving Staten Island, New York, it has expanded its branch network and services, becoming a publicly traded company focused on community banking.

business area logo Core Business Areas

  • Retail Banking: Offers deposit accounts, loans, and other financial services to individuals and small businesses.
  • Commercial Banking: Provides commercial real estate loans, business loans, and related services to businesses.
  • Wealth Management: Offers financial planning and investment advisory services.

leadership logo Leadership and Structure

Northfield Bancorp Inc. is led by a board of directors and an executive management team. The organizational structure is typical of a community bank, with divisions for retail banking, commercial lending, and wealth management.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Real Estate Loans: Offers loans for commercial properties. Market share data is not publicly available, as it is a fragmented market. Competitors include local and regional banks, credit unions, and non-bank lenders. Significant revenues from these loan interests payments.
  • Residential Mortgages: Provides mortgage loans for residential properties. Market share data is not publicly available for Northfield specifically. Competitors include large national banks (WFC, JPM), regional banks, and mortgage companies. Significant revenues from these loan interests payments.
  • Deposit Accounts: Offers checking, savings, and money market accounts. Market share data is not publicly available, competition from national banks, online banks, and credit unions.

Market Dynamics

industry overview logo Industry Overview

The banking industry is currently facing challenges from rising interest rates, increased competition from fintech companies, and regulatory changes.

Positioning

Northfield Bancorp Inc. positions itself as a community bank focused on relationship banking and providing personalized service. Its competitive advantages include local market knowledge and established relationships with customers.

Total Addressable Market (TAM)

The TAM for community banking services is substantial, representing billions of dollars. Northfield Bancorp Inc. captures a small portion of this TAM within its operating footprint.

Upturn SWOT Analysis

Strengths

  • Strong local market presence
  • Experienced management team
  • Relationship-focused banking model
  • Solid asset quality

Weaknesses

  • Limited geographic diversification
  • Smaller scale compared to larger competitors
  • Dependence on interest rate environment
  • Technological investments need improvements

Opportunities

  • Expansion into new markets
  • Increased adoption of digital banking
  • Acquisitions of smaller banks
  • Growth in wealth management services

Threats

  • Rising interest rates
  • Increased competition from larger banks and fintech companies
  • Economic downturns
  • Regulatory changes

Competitors and Market Share

competitor logo Key Competitors

  • WFC
  • JPM
  • USB
  • MTB

Competitive Landscape

Northfield Bancorp Inc faces stiff competition from larger national banks and regional players with greater resources and brand recognition. Its advantage lies in its community focus and local market expertise. The competitors have far more resources.

Growth Trajectory and Initiatives

Historical Growth: Historical growth trends cannot be determined without access to financial data.

Future Projections: Future projections cannot be determined without access to financial data.

Recent Initiatives: Information on recent strategic initiatives is not publicly available without detailed analysis.

Summary

Northfield Bancorp Inc. is a community bank with a solid local presence but faces challenges from larger competitors and the changing banking landscape. Its strengths lie in its relationship-focused approach and local market knowledge. It needs to adapt to technological advancements and competition from other entities.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Publicly available information, SEC filings, industry reports, analyst reports

Disclaimers:

The information provided is for informational purposes only and should not be considered financial advice. Market share estimates are approximate and based on available data. Financial data requires external source access.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.

About Northfield Bancorp Inc

Exchange NASDAQ
Headquaters Woodbridge, NJ, United States
IPO Launch date 2007-11-08
President, CEO & Chairman Mr. Steven M. Klein CPA
Sector Financial Services
Industry Banks - Regional
Full time employees 357
Full time employees 357

Northfield Bancorp, Inc. (Staten Island, NY) 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 passbook, statement, money market savings, and transaction deposit accounts, as well as certificates of deposit. The company also provides commercial and industrial and owner-occupied commercial real estate loans; one-to-four family residential real estate 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. (Staten Island, NY) was founded in 1887 and is headquartered in Woodbridge, New Jersey.