Northfield Bancorp (NFBK) Stock Price, News & Analysis

Company Overview

Northfield Bancorp, Inc. is the bank holding company for Northfield Savings Bank, a leading community-oriented financial institution headquartered in Northfield, Minnesota. The company provides a comprehensive range of retail and commercial banking services to individuals, families and businesses. Operating as a Nasdaq-listed entity under the symbol NFBK, Northfield Bancorp’s core mission is to deliver personalized financial solutions while maintaining strong community ties throughout its service areas.

The company’s product portfolio encompasses traditional deposit accounts such as checking, savings and money market accounts, alongside residential mortgage lending and home equity lines of credit. On the commercial side, Northfield Bancorp offers business loans, lines of credit, equipment financing and cash management services designed to support small and medium-sized enterprises. Complementing its lending and deposit operations, the bank provides wealth management, trust administration and financial planning through a team of investment professionals.

With a network of branches located primarily in southern and central Minnesota, Northfield Bancorp serves both urban and rural markets, including the communities of Northfield, Lakeville, Hastings and Faribault. The bank has invested in digital banking platforms, enabling customers to access online and mobile banking tools, remote deposit capture and electronic bill payment services. Through these digital channels, the company aims to enhance customer experience while preserving its hallmark of personalized service.

Founded in 1872, Northfield Savings Bank has over a century of experience rooted in community banking values. In 2000, the organization established its holding company structure to support growth and regulatory compliance. Today, Northfield Bancorp is led by President and Chief Executive Officer Glenn O. Mulready Jr., who brings decades of banking experience, and is guided by a board of directors committed to strong governance and strategic oversight.

Key Stats

• Today's Range: $11.37 to $11.59
• 50-Day Range: $11.26 to $12.23
• 52-Week Range: $9.40 to $14.39
• Volume: 174,652 shs
• Average Volume: 185,133 shs
• Market Capitalization: $485.56 million
• P/E Ratio: 14.99
• Dividend Yield: 4.57%
• Price Target: $13.00
• Consensus Rating: Moderate Buy

Northfield Bancorp Stock Analysis - MarketRank™

Northfield Bancorp scored higher than 88% of companies evaluated by MarketBeat, and ranked 190th out of 914 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.3 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Northfield Bancorp has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on 1 buy rating, 1 hold rating, and no sell ratings.

Amount of Analyst Coverage

Northfield Bancorp has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 3.8 / 5
• Proj. Earnings Growth: 39.02%

Earnings Growth

Earnings for Northfield Bancorp are expected to grow by 39.02% in the coming year, from $0.82 to $1.14 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Northfield Bancorp is 14.99, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 26.54.

Price to Earnings Ratio vs. Sector

The P/E ratio of Northfield Bancorp is 14.99, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.15.

Price to Book Value per Share Ratio

Northfield Bancorp has a P/B Ratio of 0.69. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.50% of the float of Northfield Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Northfield Bancorp has a short interest ratio ("days to cover") of 3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Northfield Bancorp has recently decreased by 13.05%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 3.3 / 5
• Dividend Strength: Strong

Dividend Leadership

Northfield Bancorp is a leading dividend payer. It pays a dividend yield of 4.57%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

Northfield Bancorp does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Northfield Bancorp is 68.42%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Northfield Bancorp will have a dividend payout ratio of 45.61% next year. This indicates that Northfield Bancorp will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

1.50% of the float of Northfield Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Northfield Bancorp has a short interest ratio ("days to cover") of 3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Northfield Bancorp has recently decreased by 13.05%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 1.5 / 5
• News Sentiment: -0.36

News Sentiment

Northfield Bancorp has a news sentiment score of -0.36. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.77 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for Northfield Bancorp this week, compared to 2 articles on an average week.

Search Interest

1 people have searched for NFBK on MarketBeat in the last 30 days.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Northfield Bancorp insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $50,650.00 in company stock.

Percentage Held by Insiders

Only 6.48% of the stock of Northfield Bancorp is held by insiders.

Percentage Held by Institutions

65.51% of the stock of Northfield Bancorp is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

NFBK Stock Analysis - Frequently Asked Questions

How have NFBK shares performed this year?

Northfield Bancorp's stock was trading at $11.62 at the beginning of 2025. Since then, NFBK stock has decreased by 2.0% and is now trading at $11.39.

How were Northfield Bancorp's earnings last quarter?

Northfield Bancorp, Inc. (NASDAQ:NFBK) released its earnings results on Wednesday, April, 23rd. The bank reported $0.19 earnings per share (EPS) for the quarter, topping analysts' consensus estimates of $0.18 by $0.01. The bank had revenue of $34.81 million for the quarter, compared to the consensus estimate of $29.82 million. Northfield Bancorp had a trailing twelve-month return on equity of 4.34% and a net margin of 12.35%.

Who are Northfield Bancorp's major shareholders?

Top institutional investors of Northfield Bancorp include Baron Wealth Management LLC (0.03%). Insiders that own company stock include Steven M Klein, Annette Catino, Frank P Patafio, John P Connors Jr, Timothy C Harrison, William R Jacobs, Gil Chapman, Patrick Louis Ryan and David Fasanella.
View institutional ownership trends.

How do I buy shares of Northfield Bancorp?

Shares of NFBK stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Northfield Bancorp own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Northfield Bancorp investors own include American Water Works (AWK), The RMR Group (RMR), Waste Connections (WCN), DiamondRock Hospitality (DRH), AU Optronics (AUOTY), iShares Micro-Cap ETF (IWC) and Triple Flag Precious Metals (TFPM).

Company Calendar

• Last Earnings: 4/23/2025
• Record date for 5/21 Dividend: 5/07/2025
• Ex-Dividend for 5/21 Dividend: 5/07/2025
• Dividend Payable: 5/21/2025
• Today: 7/21/2025
• Next Earnings (Estimated): 7/23/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: FIN - SVGS & LOAN
• Sub-Industry: Thrifts & Mortgage Finance
• Current Symbol: NASDAQ:NFBK
• CIK: 1493225
• Web: www.enorthfield.com
• Phone: (732) 499-7200
• Fax: N/A
• Employees: 400
• Year Founded: N/A

Price Target and Rating

• Average Price Target for Northfield Bancorp: $13.00
• High Price Target: $14.00
• Low Price Target: $12.00
• Potential Upside/Downside: +14.1%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.76
• Trailing P/E Ratio: 14.99
• Forward P/E Ratio: 13.89
• P/E Growth: N/A
• Net Income: $29.94 million
• Net Margins: 12.35%
• Pretax Margin: 16.72%
• Return on Equity: 4.34%
• Return on Assets: 0.53%

Debt

• Debt-to-Equity Ratio: 1.08
• Current Ratio: 0.98
• Quick Ratio: 0.98

Sales & Book Value

• Annual Sales: $254.73 million
• Price / Sales: 1.91
• Cash Flow: $0.82 per share
• Price / Cash Flow: 13.97
• Book Value: $16.42 per share
• Price / Book: 0.69

Miscellaneous

• Outstanding Shares: 42,630,000
• Free Float: 39,864,000
• Market Cap: $485.56 million
• Optionable: Optionable
• Beta: 0.78