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NFBK 
Northfield Bancorp Inc (NFBK)
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Upturn Advisory Summary
12/02/2025: 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 $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 -5.29% | 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 12/02/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 466.61M USD | Price to earnings Ratio 11.27 | 1Y Target Price 12 |
Price to earnings Ratio 11.27 | 1Y Target Price 12 | ||
Volume (30-day avg) 3 | Beta 0.86 | 52 Weeks Range 9.06 - 12.72 | Updated Date 12/2/2025 |
52 Weeks Range 9.06 - 12.72 | Updated Date 12/2/2025 | ||
Dividends yield (FY) 4.74% | Basic EPS (TTM) 0.99 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
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 11.27 | Forward PE - | Enterprise Value 1290368640 | Price to Sales(TTM) 3.29 |
Enterprise Value 1290368640 | Price to Sales(TTM) 3.29 | ||
Enterprise Value to Revenue 9.71 | Enterprise Value to EBITDA - | Shares Outstanding 41801495 | Shares Floating 39670873 |
Shares Outstanding 41801495 | Shares Floating 39670873 | ||
Percent Insiders 13.25 | Percent Institutions 60.61 |
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 converted to a stock holding company in 2014 and provides community banking services.
Core Business Areas
- Retail Banking: Offers a range of deposit accounts, including checking, savings, and money market accounts, along with consumer loans and residential mortgages.
- Commercial Banking: Provides commercial real estate loans, business loans, and other financial services to businesses in its market area.
- Wealth Management: Provides investment advice, retirement planning, and other wealth management services.
Leadership and Structure
The leadership team includes Steven M. Klein (Chairman, President and Chief Executive Officer). The organizational structure is typical of a community bank, with departments focused on retail banking, commercial lending, finance, and operations.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Offers fixed-rate and adjustable-rate mortgages to individuals. Market share data specific to Northfield Bancorp is not readily available, but they compete with national and regional banks like Wells Fargo and JPMorgan Chase.
- Commercial Real Estate Loans: Provides financing for commercial properties. Market share data specific to Northfield Bancorp is not readily available but they compete with regional banks such as Valley National Bancorp and Investors Bancorp.
- Deposit Accounts: Offers various deposit accounts, including checking, savings, and money market accounts. Competitors include online banks and other community banks.
Market Dynamics
Industry Overview
The banking industry is currently facing increased competition, rising interest rates, and evolving regulatory landscape. Community banks are focused on relationship banking and serving local markets.
Positioning
Northfield Bancorp Inc is a community-focused bank with a strong presence in the New York metropolitan area. It aims to differentiate itself through personalized service and local expertise.
Total Addressable Market (TAM)
The TAM for community banking services in the New York metropolitan area is estimated to be billions of dollars. Northfield Bancorp Inc aims to capture a portion of this market through its branch network and online banking platform.
Upturn SWOT Analysis
Strengths
- Strong local presence in the New York metropolitan area
- Experienced management team
- Solid financial performance
- Relationship-focused banking model
Weaknesses
- Limited geographic reach compared to larger banks
- Reliance on traditional banking channels
- Potentially higher operating costs than online-only banks
Opportunities
- Expanding into new markets within the New York metropolitan area
- Adopting new technologies to improve customer service
- Increasing commercial lending activities
- Growing wealth management services
Threats
- Increased competition from larger banks and online lenders
- Rising interest rates
- Economic downturn
- Changes in banking regulations
Competitors and Market Share
Key Competitors
- New York Community Bancorp (NYCB)
- Valley National Bancorp (VLY)
- Investors Bancorp (ISBC)
Competitive Landscape
Northfield Bancorp competes with larger regional and national banks. Its advantages lie in its local focus and personalized service. Disadvantages include its smaller size and limited resources.
Growth Trajectory and Initiatives
Historical Growth: Requires historical financial data.
Future Projections: Requires analyst estimates.
Recent Initiatives: Requires analysis of company announcements and reports.
Summary
Northfield Bancorp is a community-focused bank with a strong presence in the New York metropolitan area. The bank's key strength is its relationship-focused approach to banking. The bank faces challenges from larger competitors and evolving banking regulations. Further, there are opportunities for growth by expanding their new technologies.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Industry reports
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data is estimated and may not be precise. Financial data is not provided due to the prompt's constraint of no external data 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://ir.enorthfield.com |
Full time employees 357 | Website https://ir.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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