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Upturn AI SWOT - About
NFBK 
Northfield Bancorp Inc (NFBK)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
10/28/2025: NFBK (1-star) is currently NOT-A-BUY. Pass it for now.
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 $13
1 Year Target Price $13
| 0 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -5.13% | Avg. Invested days 42 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 450.72M USD | Price to earnings Ratio 11.11 | 1Y Target Price 13 |
Price to earnings Ratio 11.11 | 1Y Target Price 13 | ||
Volume (30-day avg) 3 | Beta 0.83 | 52 Weeks Range 9.18 - 13.90 | Updated Date 10/28/2025 |
52 Weeks Range 9.18 - 13.90 | Updated Date 10/28/2025 | ||
Dividends yield (FY) 4.78% | Basic EPS (TTM) 0.97 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-22 | When After Market | Estimate 0.26 | Actual 0.27 |
Profitability
Profit Margin 27.78% | Operating Margin (TTM) 40.18% |
Management Effectiveness
Return on Assets (TTM) 0.69% | Return on Equity (TTM) 5.56% |
Valuation
Trailing PE 11.11 | Forward PE - | Enterprise Value 1274653440 | Price to Sales(TTM) 3.17 |
Enterprise Value 1274653440 | Price to Sales(TTM) 3.17 | ||
Enterprise Value to Revenue 10.13 | Enterprise Value to EBITDA - | Shares Outstanding 41810525 | Shares Floating 39661464 |
Shares Outstanding 41810525 | Shares Floating 39661464 | ||
Percent Insiders 13.25 | Percent Institutions 59.95 |
Upturn AI SWOT
Northfield Bancorp Inc
Company Overview
History and Background
Northfield Bancorp, Inc. was founded in 1887 as a mutual savings bank in Staten Island, New York. It has evolved from a local savings bank to a diversified financial services provider, expanding its presence in the New York and New Jersey metropolitan area. Northfield converted from a mutual savings bank to a stock holding company in 2014.
Core Business Areas
- Commercial Real Estate Lending: Provides financing for commercial properties, including office buildings, retail spaces, and industrial properties.
- Residential Mortgage Lending: Offers mortgage loans for residential properties, catering to individual homebuyers.
- Commercial Lending: Provides loans to businesses for various purposes, such as working capital, equipment financing, and expansion.
- Retail Banking: Offers traditional banking services to individuals, including checking accounts, savings accounts, and CDs.
Leadership and Structure
The leadership team includes the Chief Executive Officer, Chief Financial Officer, and other key executives overseeing various business functions. The organizational structure comprises departments for lending, retail banking, finance, and compliance, among others.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Commercial real estate loans constitute a significant portion of Northfield's loan portfolio. Data on specific market share is difficult to obtain precisely, but Northfield competes with regional and national banks. Competitors include New York Community Bancorp (NYCB), Investors Bancorp (ISBC).
- Residential Mortgages: Residential mortgages are offered to individuals, contributing to a diversified loan portfolio. Data on specific market share is difficult to obtain precisely, but Northfield competes with regional and national banks. Competitors include Rocket Mortgage, Wells Fargo.
- Business Loans: Business loans are offered to companies. Competitors include Wells Fargo (WFC), J.P. Morgan Chase (JPM)
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, evolving regulatory landscape, and technological disruption. Competition is intense, with both traditional banks and fintech companies vying for market share.
Positioning
Northfield is positioned as a community-focused bank with a strong presence in the New York and New Jersey metropolitan area. Its competitive advantages include its local market expertise and customer relationships.
Total Addressable Market (TAM)
The TAM for banking services in the New York/New Jersey metro area is estimated to be in the hundreds of billions of dollars. Northfield is positioned to capture a portion of this TAM through its community-focused approach.
Upturn SWOT Analysis
Strengths
- Strong presence in the New York and New Jersey metropolitan area
- Experienced management team
- Customer loyalty
- Diversified loan portfolio
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Dependence on interest rate environment
Opportunities
- Expansion into new markets
- Increased adoption of digital banking services
- Acquisitions of smaller banks
- Growing commercial real estate market
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- NYCB
- ISBC
- TCBI
Competitive Landscape
Northfield competes with a range of regional and national banks. Its smaller size can be a disadvantage, but its local market expertise provides a competitive edge. The company can also be compared against online lenders, and community banks that may not be publicly traded.
Growth Trajectory and Initiatives
Historical Growth: Discuss Northfield Bancorp Inc's growth trends over the past years.
Future Projections: Provide projections for Northfield Bancorp Inc's future growth based on analyst estimates.
Recent Initiatives: Highlight recent strategic initiatives undertaken by Northfield Bancorp Inc.
Summary
Northfield Bancorp is a community bank with a solid presence in the New York and New Jersey metro area. While its smaller scale compared to national banks poses challenges, its local expertise and customer relationships are key strengths. They need to navigate rising interest rates and increased competition from fintech companies. Diversifying its portfolio and expanding digital services would be beneficial.
Similar Stocks
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- MarketWatch
- Yahoo Finance
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual research and consultation with a financial advisor.
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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