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NFBK logo NFBK
Upturn stock ratingUpturn stock rating
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Northfield Bancorp Inc (NFBK)

Upturn stock ratingUpturn stock rating
$11.76
Last Close (24-hour delay)
Profit since last BUY-1.26%
upturn advisory
Consider higher Upturn Star rating
BUY since 13 days
  • BUY Advisory
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  • SELL Advisory (Loss)​
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Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
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Time period over
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Upturn Advisory Summary

09/15/2025: 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

Very few follow this stock; limited insights, higher-risk early investing.

1 Year Target Price $11.75

1 Year Target Price $11.75

Analysts Price Target For last 52 week
$11.75 Target price
52w Low $9.18
Current$11.76
52w High $13.9

Analysis of Past Performance

Type Stock
Historic Profit 2.73%
Avg. Invested days 39
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 09/15/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 491.69M USD
Price to earnings Ratio 13.67
1Y Target Price 11.75
Price to earnings Ratio 13.67
1Y Target Price 11.75
Volume (30-day avg) 3
Beta 0.85
52 Weeks Range 9.18 - 13.90
Updated Date 09/15/2025
52 Weeks Range 9.18 - 13.90
Updated Date 09/15/2025
Dividends yield (FY) 4.34%
Basic EPS (TTM) 0.86

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Product revenue - Year on Year

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 26.47%
Operating Margin (TTM) 39.32%

Management Effectiveness

Return on Assets (TTM) 0.62%
Return on Equity (TTM) 5.02%

Valuation

Trailing PE 13.67
Forward PE -
Enterprise Value 1303766784
Price to Sales(TTM) 3.69
Enterprise Value 1303766784
Price to Sales(TTM) 3.69
Enterprise Value to Revenue 10.2
Enterprise Value to EBITDA -
Shares Outstanding 41810500
Shares Floating 39661464
Shares Outstanding 41810500
Shares Floating 39661464
Percent Insiders 13.25
Percent Institutions 59.52

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 community-oriented savings bank. Originally Northfield Savings Bank, it has evolved from a traditional savings and loan to a commercial bank through organic growth and strategic acquisitions.

business area logo Core Business Areas

  • Commercial Real Estate Lending: Providing loans for commercial real estate properties, including office buildings, retail spaces, and industrial properties.
  • Residential Mortgage Lending: Offering mortgage loans for residential properties, including single-family homes and multi-family dwellings.
  • Commercial Lending: Providing loans to businesses for working capital, equipment financing, and other business purposes.
  • Retail Banking: Offering a range of deposit accounts, including checking accounts, savings accounts, and certificates of deposit, as well as other retail banking services.

leadership logo Leadership and Structure

The leadership team typically includes a Chief Executive Officer, Chief Financial Officer, and other senior executives responsible for different business units. The organizational structure is generally hierarchical, with departments focused on lending, retail banking, and finance.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Real Estate Loans: CRE loans constitute a significant portion of Northfield's lending portfolio. Market share data for this specific product is difficult to pinpoint exactly, as market share varies greatly depending on geographic location and type of property. Competitors include larger national and regional banks, as well as other community banks. Revenue is derived from interest income generated on these loans.
  • Residential Mortgages: Residential mortgages are a core lending product. Competitors include national mortgage lenders and other community banks. Specific market share data is unavailable, but the bank targets a local market. Revenue is derived from interest income and fees associated with mortgage origination.
  • Deposit Accounts: Offers checking, savings, and CD accounts to retail and commercial customers. Specific market share data is unavailable, but they compete with national and regional banks in their local market. Revenue is derived from the spread between the interest they pay on deposits and the interest they earn on loans and investments.

Market Dynamics

industry overview logo Industry Overview

The banking industry is highly competitive and heavily regulated. Banks face challenges from rising interest rates, increased regulatory scrutiny, and competition from non-bank financial institutions.

Positioning

Northfield Bancorp Inc. is positioned as a community-focused bank that provides personalized service and local expertise. Its competitive advantages include its strong customer relationships and knowledge of the local market. Being a smaller bank enables quick decision-making.

Total Addressable Market (TAM)

The TAM for banking services in Northfield's operating region is estimated in the billions of dollars. Northfield holds a relatively small portion of this TAM, focusing on relationship-based banking and specific niche markets.

Upturn SWOT Analysis

Strengths

  • Strong local market knowledge
  • Established customer relationships
  • Experienced management team
  • Solid asset quality

Weaknesses

  • Limited geographic reach
  • Smaller scale compared to larger banks
  • Dependence on net interest income
  • Vulnerability to local economic downturns

Opportunities

  • Expanding into new markets within its region
  • Increasing commercial lending activities
  • Leveraging technology to improve efficiency
  • Acquiring smaller community banks

Threats

  • Rising interest rates
  • Increased regulatory scrutiny
  • Competition from larger banks and non-bank lenders
  • Economic downturns

Competitors and Market Share

competitor logo Key Competitors

  • Investors Bancorp, Inc. (ISBC)
  • OceanFirst Financial Corp. (OCFC)
  • Lakeland Bancorp, Inc. (LBAI)

Competitive Landscape

Northfield faces competition from larger regional and national banks, as well as other community banks. Its advantages include local market knowledge and strong customer relationships. Its disadvantages include its smaller scale and limited geographic reach.

Growth Trajectory and Initiatives

Historical Growth: Historical growth trends over the past years unavailable at this time.

Future Projections: Future projections for Northfield Bancorp Inc's future growth based on analyst estimates is unavailable at this time.

Recent Initiatives: Recent strategic initiatives undertaken by Northfield Bancorp Inc unavailable at this time.

Summary

Northfield Bancorp is a community-focused bank with established customer relationships. Its smaller size limits its geographic reach and scale compared to larger competitors. The bank needs to continue leveraging its local market expertise and focus on efficiency to compete effectively in the banking industry. Economic conditions and regulatory changes pose potential challenges.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company Website
  • SEC Filings
  • Third-party Financial Data Providers
  • Analyst Reports

Disclaimers:

The data provided is for informational purposes only and should not be considered financial advice. Market share estimates are approximate. Financial data may be outdated. Do your own research and consult with a qualified financial advisor before making any investment decisions.

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.