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Upturn AI SWOT - About
NFBK 
Northfield Bancorp Inc (NFBK)
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Upturn Advisory Summary
07/07/2025: NFBK (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $12
1 Year Target Price $12
| 0 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 8.58% | Avg. Invested days 42 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 07/07/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 520.89M USD | Price to earnings Ratio 16.08 | 1Y Target Price 12 |
Price to earnings Ratio 16.08 | 1Y Target Price 12 | ||
Volume (30-day avg) 3 | Beta 0.77 | 52 Weeks Range 8.82 - 14.07 | Updated Date 07/7/2025 |
52 Weeks Range 8.82 - 14.07 | Updated Date 07/7/2025 | ||
Dividends yield (FY) 4.53% | 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 16.08 | Forward PE - | Enterprise Value 1176974464 | Price to Sales(TTM) 4.06 |
Enterprise Value 1176974464 | Price to Sales(TTM) 4.06 | ||
Enterprise Value to Revenue 10.07 | Enterprise Value to EBITDA - | Shares Outstanding 42626100 | Shares Floating 40495209 |
Shares Outstanding 42626100 | Shares Floating 40495209 | ||
Percent Insiders 12.99 | Percent Institutions 58.99 |
Upturn AI SWOT
Northfield Bancorp Inc
Company Overview
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.
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 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
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
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
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.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
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 | Website https://www.enorthfield.com |
Full time employees 357 | Website https://www.enorthfield.com | ||
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.
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