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Northfield Bancorp (NFBK) Financials

Northfield Bancorp logo
$14.54 0.00 (0.00%)
Closing price 07/10/2026 04:00 PM Eastern
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$14.54 0.00 (0.00%)
As of 08:02 AM Eastern
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Annual Income Statements for Northfield Bancorp

Annual Income Statements for Northfield Bancorp

This table shows Northfield Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 20 26 25 40 59 37 71 61 38 30 0.80
Consolidated Net Income / (Loss)		 20 26 25 40 40 37 71 61 38 30 0.80
Net Income / (Loss) Continuing Operations		 20 26 25 40 59 37 71 61 38 30 0.80
Total Pre-Tax Income 		32 40 52 50 53 50 97 85 52 41 17
Total Revenue		 90 113 121 119 146 141 170 166 137 131 154
Net Interest Income / (Expense)		 82 103 109 111 112 130 156 158 125 114 137
Total Interest Income		 102 125 133 147 165 168 172 180 209 238 249
Loans and Leases Interest Income		 88 113 122 129 138 148 159 162 185 188 188
Investment Securities Interest Income		 13 12 10 17 26 19 13 17 20 41 58
Deposits and Money Market Investments Interest Income		 0.12 0.29 0.58 0.92 1.35 0.31 0.20 0.82 4.25 9.41 3.53
Total Interest Expense		 20 22 24 36 53 38 17 21 84 123 112
Deposits Interest Expense		 10 14 16 28 41 25 6.21 10 49 82 79
Long-Term Debt Interest Expense		 9.27 7.38 7.59 8.31 12 13 10 11 35 41 33
Total Non-Interest Income		 7.90 10 12 8.13 15 11 14 7.98 12 17 17
Service Charges on Deposit Accounts		 - - 4.70 4.88 - 3.97 5.39 5.71 5.48 6.43 6.87
Other Service Charges		 4.47 5.26 0.27 0.25 5.28 1.14 0.36 0.34 0.95 1.06 1.32
Net Realized & Unrealized Capital Gains on Investments		 -0.34 0.81 1.28 -0.70 22 2.59 4.60 -1.47 1.84 5.11 1.69
Other Non-Interest Income		 3.77 4.00 5.39 3.71 7.02 3.77 4.10 3.41 3.63 4.22 7.07
Provision for Credit Losses		 0.35 0.64 1.41 2.62 0.02 13 -6.18 4.48 1.35 4.28 7.40
Total Non-Interest Expense		 58 73 67 67 74 79 79 77 83 87 130
Salaries and Employee Benefits		 30 40 38 35 40 41 44 42 46 49 51
Net Occupancy & Equipment Expense		 15 19 17 18 20 25 22 22 23 23 24
Marketing Expense		 - 1.89 1.86 2.73 3.44 2.09 2.36 2.16 2.17 1.57 1.43
Property & Liability Insurance Claims		 1.55 1.49 1.06 1.07 0.56 0.89 1.37 1.41 2.33 2.49 2.40
Other Operating Expenses		 12 11 9.22 10 9.53 9.31 9.28 9.04 9.19 10 9.71
Impairment Charge		 - - - - - - - - 0.00 0.00 41
Income Tax Expense		 12 14 27 9.63 13 13 26 24 14 11 16
Basic Earnings per Share		 $0.46 $0.59 $0.55 $0.87 $0.86 $0.76 $1.46 $1.32 $0.86 $0.72 $0.02
Weighted Average Basic Shares Outstanding		 42.29M 44.37M 45.33M 46.32M 46.78M 48.72M 48.42M 46.23M 43.56M 41.57M 40.12M
Diluted Earnings per Share		 $0.45 $0.57 $0.53 $0.85 $0.85 $0.76 $1.45 $1.32 $0.86 $0.72 $0.02
Weighted Average Diluted Shares Outstanding		 43.48M 45.72M 46.88M 47.11M 47.16M 48.79M 48.75M 46.44M 43.64M 41.63M 40.17M
Weighted Average Basic & Diluted Shares Outstanding		 42.50M 44.30M 45M 46.10M 49.19M 51.76M 48.94M 46.85M 44.46M 43.12M 41.76M
Cash Dividends to Common per Share		 $0.28 $0.31 $0.34 $0.40 $0.43 $0.44 $0.50 $0.52 $0.52 $0.52 $0.52

Quarterly Income Statements for Northfield Bancorp

This table shows Northfield Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 8.18 8.22 6.21 5.96 6.52 11 7.88 9.57 11 -27 12
Consolidated Net Income / (Loss)		 8.18 8.22 6.21 5.96 6.52 11 7.88 9.57 11 -27 12
Net Income / (Loss) Continuing Operations		 8.18 8.22 6.21 5.96 6.52 11 7.88 9.57 11 -27 12
Total Pre-Tax Income 		11 11 8.52 9.17 8.89 14 11 14 15 -22 17
Total Revenue		 32 33 31 32 32 37 35 39 39 41 40
Net Interest Income / (Expense)		 30 29 28 29 28 30 32 34 35 37 37
Total Interest Income		 53 54 59 60 59 60 60 62 63 64 63
Loans and Leases Interest Income		 47 47 47 47 47 47 46 47 47 47 46
Investment Securities Interest Income		 4.76 5.03 8.24 11 11 11 13 14 15 15 15
Deposits and Money Market Investments Interest Income		 0.83 2.02 3.39 2.46 1.21 2.35 1.14 0.71 0.70 0.98 1.33
Total Interest Expense		 23 26 31 32 31 30 28 28 28 27 26
Deposits Interest Expense		 14 17 19 21 20 22 21 20 19 18 18
Long-Term Debt Interest Expense		 9.43 8.71 11 11 11 8.01 7.11 7.74 9.41 8.58 8.07
Total Non-Interest Income		 2.12 3.63 3.38 2.86 3.58 7.00 3.02 4.53 4.73 4.68 3.41
Service Charges on Deposit Accounts		 1.32 1.47 - 1.57 1.61 1.63 1.62 1.69 1.79 - 1.71
Other Service Charges		 0.08 0.20 1.72 0.07 0.27 0.62 0.06 0.10 0.27 -0.73 0.07
Net Realized & Unrealized Capital Gains on Investments		 -0.20 1.00 0.70 0.24 0.70 3.47 -0.30 1.01 0.80 0.18 -0.26
Other Non-Interest Income		 0.92 0.95 0.96 0.98 1.00 1.28 1.64 1.74 1.86 1.83 1.89
Provision for Credit Losses		 0.19 0.27 0.42 -0.62 2.54 1.94 2.58 2.09 1.07 1.67 0.25
Total Non-Interest Expense		 21 21 22 23 20 21 21 23 23 62 23
Salaries and Employee Benefits		 11 12 13 13 11 12 12 14 14 12 13
Net Occupancy & Equipment Expense		 5.89 5.53 6.18 5.88 5.26 5.61 6.07 6.14 5.92 5.81 6.08
Marketing Expense		 0.41 0.34 0.52 0.48 0.28 0.29 0.25 0.29 0.31 0.58 0.16
Property & Liability Insurance Claims		 0.59 0.57 0.59 0.65 0.63 0.63 0.62 0.62 0.55 0.61 0.61
Other Operating Expenses		 2.75 2.36 2.28 2.60 2.79 2.54 2.72 2.19 3.08 1.72 2.03
Restructuring Charge		 - - - - - - 0.00 - - - 1.71
Income Tax Expense		 2.88 3.07 2.30 3.21 2.36 2.67 2.92 4.30 4.04 5.00 5.03
Basic Earnings per Share		 $0.19 $0.19 $0.15 $0.14 $0.16 $0.27 $0.19 $0.24 $0.27 ($0.68) $0.30
Weighted Average Basic Shares Outstanding		 44.96M 43.56M 44.34M 43.19M 42.90M 41.57M 42.63M 41.81M 41.80M 40.12M 41.76M
Diluted Earnings per Share		 $0.19 $0.19 $0.15 $0.14 $0.16 $0.27 $0.19 $0.24 $0.27 ($0.68) $0.30
Weighted Average Diluted Shares Outstanding		 44.96M 43.64M 44.34M 43.19M 42.90M 41.63M 42.63M 41.81M 41.80M 40.17M 41.76M
Weighted Average Basic & Diluted Shares Outstanding		 44.96M 44.46M 44.34M 43.19M 42.90M 43.12M 42.63M 41.81M 41.80M 41.76M 41.76M
Cash Dividends to Common per Share		 $0.13 - $0.13 $0.13 $0.13 - $0.13 $0.13 $0.13 - $0.13

Annual Cash Flow Statements for Northfield Bancorp

This table details how cash moves in and out of Northfield Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 -25 44 -38 20 70 -60 3.52 -45 184 -62 -3.79
Net Cash From Operating Activities		 32 38 44 53 51 55 65 83 47 31 54
Net Cash From Continuing Operating Activities		 32 38 44 53 51 55 65 83 47 31 54
Net Income / (Loss) Continuing Operations		 20 26 25 40 40 37 71 61 38 30 0.80
Consolidated Net Income / (Loss)		 20 26 25 40 40 37 71 61 38 30 0.80
Provision For Loan Losses		 0.35 0.64 1.41 2.62 0.02 13 -6.18 4.48 1.35 4.28 7.40
Depreciation Expense		 3.39 3.59 3.23 3.02 3.57 3.88 3.89 3.65 3.68 3.55 3.20
Amortization Expense		 2.01 2.67 2.39 2.77 9.68 8.89 7.18 14 12 7.40 8.97
Non-Cash Adjustments to Reconcile Net Income		 5.18 4.74 2.51 4.77 -3.95 -3.16 -5.06 2.37 -0.97 -5.03 37
Changes in Operating Assets and Liabilities, net		 1.85 -0.07 9.32 -0.46 1.60 -4.13 -5.72 -2.48 -6.50 -9.05 -3.91
Net Cash From Investing Activities		 -212 -98 -191 -406 -523 -132 85 -280 194 -118 -128
Net Cash From Continuing Investing Activities		 -212 -98 -191 -406 -523 -132 85 -280 194 -118 -128
Purchase of Investment Securities		 -452 -370 -331 -580 -869 -859 -859 -668 -126 -1,221 -950
Sale and/or Maturity of Investments		 240 218 142 175 350 610 786 349 284 1,073 769
Other Investing Activities, net		 - - - 0.00 - 48 6.53 37 36 30 53
Net Cash From Financing Activities		 154 104 109 373 542 16 -146 152 -57 26 71
Net Cash From Continuing Financing Activities		 154 104 109 373 542 16 -146 152 -57 26 71
Net Change in Deposits		 432 204 123 450 122 314 93 -19 -272 260 -123
Repurchase of Common Equity		 -48 -2.20 0.00 -0.01 -16 -10 -53 -31 -37 -19 -15
Payment of Dividends		 -12 -14 -16 -19 -20 -21 -24 -24 -23 -22 -21
Other Financing Activities, Net		 3.35 3.10 2.57 5.30 7.81 371 -161 165 275 -194 230
Cash Interest Paid		 20 22 24 36 52 40 17 19 80 127 112

Quarterly Cash Flow Statements for Northfield Bancorp

This table details how cash moves in and out of Northfield Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -8.57 149 9.28 -85 79 -65 -66 -4.03 34 32 76
Net Cash From Operating Activities		 12 14 4.24 6.91 14 6.00 9.43 14 14 16 20
Net Cash From Continuing Operating Activities		 12 14 4.24 6.91 14 6.00 9.43 14 14 16 20
Net Income / (Loss) Continuing Operations		 8.18 8.22 6.21 5.96 6.52 11 7.88 9.57 11 -27 12
Consolidated Net Income / (Loss)		 8.18 8.22 6.21 5.96 6.52 11 7.88 9.57 11 -27 12
Provision For Loan Losses		 0.19 0.27 0.42 -0.62 2.54 1.94 2.58 2.09 1.07 1.67 0.25
Depreciation Expense		 0.93 0.91 0.92 0.91 0.88 0.84 0.81 0.81 0.80 0.78 0.74
Amortization Expense		 2.88 2.46 0.67 1.48 2.32 2.93 2.51 2.41 2.43 1.62 2.05
Non-Cash Adjustments to Reconcile Net Income		 1.24 -0.39 -0.76 -0.65 -0.69 -2.94 -0.28 -1.67 -1.61 41 -0.77
Changes in Operating Assets and Liabilities, net		 -1.76 2.81 -3.23 -0.17 2.39 -8.03 -4.07 0.92 0.49 -1.24 5.67
Net Cash From Investing Activities		 92 -4.74 -239 24 103 -5.82 -106 24 -8.20 -38 81
Net Cash From Continuing Investing Activities		 92 -4.74 -239 24 103 -5.82 -106 24 -8.20 -38 81
Purchase of Investment Securities		 30 -49 -421 -260 -122 -245 -312 -213 -145 -280 -158
Sale and/or Maturity of Investments		 54 42 181 282 218 219 197 219 124 229 225
Other Investing Activities, net		 8.16 1.82 0.26 1.95 6.57 21 8.86 18 13 13 15
Net Cash From Financing Activities		 -112 139 244 -116 -37 -65 31 -42 28 54 -26
Net Cash From Continuing Financing Activities		 -112 139 244 -116 -37 -65 31 -42 28 54 -26
Net Change in Deposits		 -96 210 43 -123 77 263 -6.52 -146 -12 42 73
Repurchase of Common Equity		 -3.16 -4.43 -3.31 -8.66 -6.71 -0.00 -5.22 -10 - -0.13 -0.45
Payment of Dividends		 -5.57 -5.53 -5.56 -5.53 -5.37 -5.36 -5.39 -5.30 -5.26 -5.21 -5.28
Other Financing Activities, Net		 -7.71 -61 210 321 -102 -323 48 119 46 17 -93
Cash Interest Paid		 22 24 31 28 28 39 28 28 28 27 26
Cash Income Taxes Paid		 3.18 1.37 1.44 2.64 2.09 1.18 0.19 3.73 5.95 - 0.13

Annual Balance Sheets for Northfield Bancorp

This table presents Northfield Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 3,203 3,850 3,991 4,408 5,055 5,515 5,431 5,601 5,598 5,666 5,754
Cash and Due from Banks		 15 18 17 15 15 16 18 15 14 13 12
Interest Bearing Deposits at Other Banks		 37 78 40 63 132 71 73 31 216 155 152
Trading Account Securities		 559 517 535 828 1,162 1,285 1,232 984 829 1,138 1,441
Loans and Leases, Net of Allowance		 2,349 2,943 3,115 3,218 421 -38 3,768 4,201 4,166 3,987 3,819
Loans and Leases		 2,374 2,968 3,141 3,245 450 - 3,807 4,244 4,204 4,022 3,857
Allowance for Loan and Lease Losses		 25 25 26 27 29 38 39 43 38 35 38
Accrued Investment Income		 8.26 9.71 11 13 15 15 15 17 18 19 20
Premises and Equipment, Net		 24 27 26 26 26 28 26 25 25 22 20
Other Assets		 195 219 209 208 3,246 4,076 258 287 290 286 290
Total Liabilities & Shareholders' Equity		 3,203 3,850 3,991 4,408 5,055 5,515 5,431 5,601 5,598 5,666 5,754
Total Liabilities		 2,643 3,229 3,353 3,742 4,359 4,761 4,691 4,900 4,899 4,962 5,064
Non-Interest Bearing Deposits		 2,053 2,714 2,837 3,287 3,408 4,077 4,169 4,150 3,878 4,138 4,016
Interest Bearing Deposits		 11 12 15 18 20 20 25 26 25 24 20
Short-Term Debt		 558 473 472 409 75 75 422 25 25 666 900
Long-Term Debt		 - - - - 782 517 0.00 620 895 61 62
Other Long-Term Liabilities		 21 30 29 29 74 73 75 79 75 71 66
Total Equity & Noncontrolling Interests		 560 621 639 666 696 754 740 701 699 705 690
Total Preferred & Common Equity		 560 621 639 666 696 754 740 701 699 705 690
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 560 621 639 666 696 754 740 701 699 705 690
Common Stock		 502 549 549 547 549 591 591 591 592 592 593
Retained Earnings		 256 268 281 303 323 338 381 418 433 441 420
Treasury Stock		 -171 -168 -164 -153 -161 -170 -217 -244 -279 -295 -308
Accumulated Other Comprehensive Income / (Loss)		 -2.99 -4.33 -5.45 -9.15 4.70 13 2.06 -48 -32 -20 -4.22
Other Equity Adjustments		 -25 -23 -22 -21 -20 -19 -17 -16 -14 -13 -12

Quarterly Balance Sheets for Northfield Bancorp

This table presents Northfield Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 5,670 5,663 5,541 5,437 5,852 5,746 5,731 5,710 5,679 5,726 5,735
Cash and Due from Banks		 14 14 14 13 14 15 14 13 12 13 12
Interest Bearing Deposits at Other Banks		 57 144 75 67 225 139 219 89 86 119 228
Trading Account Securities		 1,025 929 835 776 1,109 1,156 1,098 1,279 1,330 1,359 1,406
Loans and Leases, Net of Allowance		 -42 4,200 4,233 4,191 4,125 4,056 4,024 3,957 3,884 3,863 3,771
Loans and Leases		 - 4,242 4,274 4,230 4,162 4,091 4,059 3,992 3,921 3,900 3,808
Allowance for Loan and Lease Losses		 42 41 41 38 37 35 35 35 36 37 37
Accrued Investment Income		 16 17 18 17 19 19 19 20 19 19 20
Premises and Equipment, Net		 25 25 25 24 24 24 23 21 21 20 19
Other Assets		 4,532 292 300 306 293 296 288 286 286 290 280
Total Liabilities & Shareholders' Equity		 5,670 5,663 5,541 5,437 5,852 5,746 5,731 5,710 5,679 5,726 5,735
Total Liabilities		 4,976 4,965 4,854 4,753 5,153 5,053 5,031 4,999 4,969 5,006 5,041
Non-Interest Bearing Deposits		 4,404 3,847 3,764 3,669 3,921 3,798 3,876 4,132 3,986 3,974 4,089
Interest Bearing Deposits		 26 31 29 26 30 26 22 29 25 23 26
Short-Term Debt		 25 25 924 919 25 0.00 991 709 832 880 802
Long-Term Debt		 444 985 61 61 1,101 1,151 61 61 62 62 62
Other Long-Term Liabilities		 77 77 76 78 76 78 81 67 64 67 62
Total Equity & Noncontrolling Interests		 693 698 687 684 698 693 700 711 710 720 695
Total Preferred & Common Equity		 693 698 687 684 698 693 700 711 710 720 695
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 693 698 687 684 698 693 700 711 710 720 695
Common Stock		 590 589 590 591 590 590 591 590 591 592 594
Retained Earnings		 410 424 428 431 434 434 435 443 448 453 427
Treasury Stock		 -237 -257 -271 -274 -279 -288 -295 -297 -307 -307 -308
Accumulated Other Comprehensive Income / (Loss)		 -54 -42 -45 -48 -32 -29 -18 -12 -8.39 -5.61 -6.57
Other Equity Adjustments		 -16 -15 -15 -15 -14 -14 -14 -13 -13 -12 -12

Annual Metrics And Ratios for Northfield Bancorp

This table displays calculated financial ratios and metrics derived from Northfield Bancorp's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 45,565,594.00 48,332,763.00 48,879,812.00 49,542,865.00 49,175,347.00 53,122,550.00 49,619,086.00 - - - 41,801,495.00
DEI Adjusted Shares Outstanding		 45,565,594.00 48,332,763.00 48,879,812.00 49,542,865.00 49,175,347.00 53,122,550.00 49,619,086.00 - - - 41,801,495.00
DEI Earnings Per Adjusted Shares Outstanding		 0.43 0.54 0.51 0.81 0.82 0.70 1.42 - - - 0.02
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 6.08% 26.02% 6.31% -0.97% 22.10% -3.06% 20.40% -2.24% -17.88% -3.85% 17.52%
EBITDA Growth		 -2.57% 24.82% 24.54% -3.25% 53.92% -26.49% 72.31% -5.06% -34.61% -23.39% -43.21%
EBIT Growth		 -1.92% 26.31% 30.03% -3.93% 45.19% -30.69% 94.16% -12.63% -39.00% -21.75% -57.90%
NOPAT Growth		 -3.63% 33.79% -5.21% 61.82% 0.39% -8.07% 91.02% -13.50% -38.37% -20.50% -97.34%
Net Income Growth		 -3.63% 33.79% -5.21% 61.82% 0.39% -8.07% 91.02% -13.50% -38.37% -20.50% -97.34%
EPS Growth		 9.76% 26.67% -7.02% 60.38% 0.00% -10.59% 90.79% -8.97% -34.85% -16.28% -97.22%
Operating Cash Flow Growth		 25.67% 16.68% 15.71% 21.01% -3.10% 7.94% 17.29% 28.68% -43.63% -33.78% 72.63%
Free Cash Flow Firm Growth		 265.30% -81.90% -82.38% 759.73% -681.70% 155.82% 4.39% -148.47% -91.13% 192.09% -200.58%
Invested Capital Growth		 -18.55% -2.10% 1.46% -3.16% 44.41% -13.34% -13.68% 15.89% 20.33% -11.57% 15.32%
Revenue Q/Q Growth		 -2.80% 8.60% 0.17% -1.45% 18.91% -7.03% 1.64% -0.79% -6.83% 3.26% 3.11%
EBITDA Q/Q Growth		 -17.67% 27.14% -0.97% -2.69% 36.52% -20.54% 6.61% -3.06% -12.01% 6.26% -56.33%
EBIT Q/Q Growth		 -18.14% 31.13% -0.49% -3.29% 38.51% -22.88% 6.20% -3.94% -13.94% 6.95% -68.05%
NOPAT Q/Q Growth		 3.60% 11.24% -28.59% 41.04% 0.44% 8.64% 4.50% -3.11% -13.58% 11.25% -97.98%
Net Income Q/Q Growth		 3.60% 11.24% -28.59% 41.04% 0.44% 8.64% 4.50% -3.11% -13.58% 11.25% -97.98%
EPS Q/Q Growth		 7.14% 9.62% -28.38% 39.34% 0.00% 7.04% 5.84% -2.22% -12.24% 12.50% -97.94%
Operating Cash Flow Q/Q Growth		 -2.25% 20.37% -10.03% 2.87% 14.72% 18.35% -6.42% 4.53% -18.53% -21.04% 23.54%
Free Cash Flow Firm Q/Q Growth		 -18.86% 300.79% 111.05% -53.47% -78.17% 497.56% -9.30% -298.62% 48.55% 458.09% -268.21%
Invested Capital Q/Q Growth		 4.80% -1.84% -9.63% -1.85% 12.44% -2.08% 0.05% 15.86% -2.66% -18.23% -0.56%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 41.02% 40.63% 47.59% 46.49% 58.61% 44.44% 63.61% 61.77% 49.18% 39.19% 18.94%
EBIT Margin		 35.02% 35.10% 42.93% 41.64% 49.52% 35.41% 57.10% 51.03% 37.90% 30.84% 11.05%
Profit (Net Income) Margin		 21.71% 23.05% 20.55% 33.58% 27.61% 26.18% 41.54% 36.75% 27.58% 22.81% 0.52%
Tax Burden Percent		 61.99% 65.66% 47.86% 80.62% 75.88% 73.94% 72.74% 72.02% 72.78% 73.94% 4.67%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 73.46% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 38.01% 34.34% 52.14% 19.38% 24.12% 26.06% 27.26% 27.98% 27.22% 26.06% 95.33%
Return on Invested Capital (ROIC)		 1.57% 2.36% 2.25% 3.67% 3.06% 2.55% 5.64% 4.87% 2.54% 1.96% 0.05%
ROIC Less NNEP Spread (ROIC-NNEP)		 1.57% 2.36% 2.25% 3.67% 3.06% 2.55% 5.64% 4.87% 2.54% 1.96% 0.05%
Return on Net Nonoperating Assets (RNNOA)		 1.82% 2.06% 1.68% 2.47% 2.85% 2.55% 3.82% 3.61% 2.84% 2.30% 0.06%
Return on Equity (ROE)		 3.39% 4.43% 3.93% 6.14% 5.91% 5.10% 9.46% 8.48% 5.38% 4.27% 0.11%
Cash Return on Invested Capital (CROIC)		 22.02% 4.49% 0.79% 6.88% -33.28% 16.84% 20.32% -9.85% -15.91% 14.24% -14.17%
Operating Return on Assets (OROA)		 1.01% 1.13% 1.32% 1.18% 1.53% 0.95% 1.77% 1.54% 0.92% 0.72% 0.30%
Return on Assets (ROA)		 0.63% 0.74% 0.63% 0.95% 0.85% 0.70% 1.29% 1.11% 0.67% 0.53% 0.01%
Return on Common Equity (ROCE)		 3.39% 4.43% 3.93% 6.14% 5.91% 5.10% 9.46% 8.48% 5.38% 4.27% 0.11%
Return on Equity Simple (ROE_SIMPLE)		 3.49% 4.21% 3.88% 6.01% 5.78% 4.91% 9.55% 8.71% 5.39% 4.25% 0.12%
Net Operating Profit after Tax (NOPAT)		 20 26 25 40 40 37 71 61 38 30 0.80
NOPAT Margin		 21.71% 23.05% 20.55% 33.58% 27.61% 26.18% 41.54% 36.75% 27.58% 22.81% 0.52%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 50.05% 53.41% 47.37% 46.61% 43.54% 48.36% 40.28% 39.99% 52.67% 56.23% 49.73%
Operating Expenses to Revenue		 64.59% 64.34% 55.90% 56.16% 50.46% 55.57% 46.54% 46.27% 61.11% 65.90% 84.15%
Earnings before Interest and Taxes (EBIT)		 32 40 52 50 72 50 97 85 52 41 17
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 37 46 57 55 85 63 108 103 67 51 29
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.98 1.19 1.02 0.81 0.99 0.75 0.96 0.96 0.76 0.70 0.68
Price to Tangible Book Value (P/TBV)		 1.00 1.27 1.09 0.86 1.05 0.79 1.02 1.02 0.81 0.74 0.68
Price to Revenue (P/Rev)		 6.07 6.54 5.42 4.52 4.73 3.99 4.18 4.06 3.90 3.76 3.04
Price to Earnings (P/E)		 27.95 28.36 26.39 13.46 11.61 15.23 10.06 11.05 14.15 16.47 589.05
Dividend Yield		 2.34% 2.02% 2.54% 3.67% 3.07% 4.15% 3.49% 3.68% 4.39% 4.52% 4.64%
Earnings Yield		 3.58% 3.53% 3.79% 7.43% 8.62% 6.57% 9.94% 9.05% 7.07% 6.07% 0.17%
Enterprise Value to Invested Capital (EV/IC)		 0.94 1.02 0.96 0.81 0.90 0.79 0.90 0.95 0.76 0.74 0.77
Enterprise Value to Revenue (EV/Rev)		 11.70 9.86 8.86 7.29 9.59 7.56 6.12 7.66 8.96 8.02 8.21
Enterprise Value to EBITDA (EV/EBITDA)		 28.51 24.28 18.61 15.69 16.37 17.00 9.63 12.41 18.22 20.47 43.35
Enterprise Value to EBIT (EV/EBIT)		 33.40 28.10 20.63 17.52 19.38 21.34 10.73 15.02 23.65 26.00 74.30
Enterprise Value to NOPAT (EV/NOPAT)		 53.87 42.79 43.09 21.72 34.76 28.86 14.74 20.85 32.49 35.17 1,591.47
Enterprise Value to Operating Cash Flow (EV/OCF)		 32.57 29.66 24.47 16.49 27.34 19.33 16.09 15.29 26.06 33.86 23.59
Enterprise Value to Free Cash Flow (EV/FCFF)		 3.84 22.53 122.07 11.58 0.00 4.37 4.09 0.00 0.00 4.85 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.00 0.76 0.74 0.61 1.23 0.78 0.57 0.92 1.32 1.03 1.39
Long-Term Debt to Equity		 0.00 0.00 0.00 0.00 1.12 0.69 0.00 0.88 1.28 1.03 0.09
Financial Leverage		 1.16 0.87 0.75 0.67 0.93 1.00 0.68 0.74 1.12 1.17 1.21
Leverage Ratio		 5.39 5.97 6.22 6.44 6.95 7.29 7.33 7.65 8.00 8.02 8.19
Compound Leverage Factor		 5.39 5.97 6.22 6.44 5.10 7.29 7.33 7.65 8.00 8.02 8.19
Debt to Total Capital		 49.93% 43.24% 42.47% 38.02% 55.19% 43.97% 36.31% 47.90% 56.82% 50.81% 58.23%
Short-Term Debt to Total Capital		 49.93% 43.24% 42.47% 38.02% 4.83% 5.57% 36.31% 1.86% 1.54% 0.00% 54.49%
Long-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 50.36% 38.40% 0.00% 46.04% 55.28% 50.81% 3.73%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 50.07% 56.76% 57.53% 61.98% 44.81% 56.03% 63.69% 52.10% 43.18% 49.19% 41.77%
Debt to EBITDA		 15.13 10.27 8.22 7.37 10.03 9.42 3.90 6.28 13.70 14.15 32.92
Net Debt to EBITDA		 13.72 8.19 7.21 5.97 8.30 8.03 3.06 5.83 10.29 10.89 27.31
Long-Term Debt to EBITDA		 0.00 0.00 0.00 0.00 9.15 8.23 0.00 6.03 13.33 14.15 2.11
Debt to NOPAT		 28.58 18.11 19.04 10.20 21.30 16.00 5.97 10.55 24.44 24.31 1,208.39
Net Debt to NOPAT		 25.92 14.43 16.70 8.26 17.63 13.63 4.68 9.80 18.34 18.70 1,002.42
Long-Term Debt to NOPAT		 0.00 0.00 0.00 0.00 19.44 13.97 0.00 10.14 23.77 24.31 77.47
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 274 50 8.74 75 -437 244 255 -123 -236 217 -219
Operating Cash Flow to CapEx		 0.00% 4,250.39% 2,112.54% 2,601.73% 1,411.87% 1,804.97% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 13.93 2.29 0.36 2.09 -8.20 6.37 15.30 -5.78 -2.81 1.76 -1.96
Operating Cash Flow to Interest Expense		 1.64 1.74 1.82 1.46 0.96 1.44 3.89 3.90 0.56 0.25 0.48
Operating Cash Flow Less CapEx to Interest Expense		 1.65 1.70 1.73 1.41 0.89 1.36 12.99 4.03 0.56 0.25 0.48
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.02 0.02 0.03
Fixed Asset Turnover		 3.61 4.49 4.58 4.65 5.69 5.25 6.29 6.55 5.50 5.62 7.36
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,118 1,094 1,110 1,075 1,553 1,346 1,162 1,346 1,620 1,433 1,652
Invested Capital Turnover		 0.07 0.10 0.11 0.11 0.11 0.10 0.14 0.13 0.09 0.09 0.10
Increase / (Decrease) in Invested Capital		 -255 -24 16 -35 478 -207 -184 185 274 -187 219
Enterprise Value (EV)		 1,052 1,118 1,067 871 1,398 1,067 1,042 1,275 1,224 1,053 1,267
Market Capitalization		 546 741 654 540 689 563 711 675 533 493 469
Book Value per Share		 $12.29 $12.85 $13.07 $13.45 $14.15 $14.19 $14.91 $14.68 $15.56 $16.42 $16.51
Tangible Book Value per Share		 $11.93 $12.06 $12.28 $12.68 $13.37 $13.42 $14.08 $13.82 $14.65 $15.47 $16.51
Total Capital		 1,118 1,094 1,110 1,075 1,553 1,346 1,162 1,346 1,620 1,433 1,652
Total Debt		 558 473 472 409 857 592 422 645 920 728 962
Total Long-Term Debt		 0.00 0.00 0.00 0.00 782 517 0.00 620 895 728 62
Net Debt		 506 377 414 331 709 504 331 599 691 560 798
Capital Expenditures (CapEx)		 -0.12 0.89 2.07 2.03 3.62 3.06 -152 -2.80 0.00 0.00 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 558 473 472 409 857 592 422 645 920 728 962
Total Depreciation and Amortization (D&A)		 5.40 6.26 5.62 5.79 13 13 11 18 15 11 12
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.46 $0.59 $0.55 $0.87 $0.86 $0.76 $1.46 $1.32 $0.86 $0.72 $0.02
Adjusted Weighted Average Basic Shares Outstanding		 42.29M 44.37M 45.33M 46.32M 46.78M 48.72M 48.42M 46.23M 43.56M 41.57M 40.12M
Adjusted Diluted Earnings per Share		 $0.45 $0.57 $0.53 $0.85 $0.85 $0.76 $1.45 $1.32 $0.86 $0.72 $0.02
Adjusted Weighted Average Diluted Shares Outstanding		 43.48M 45.72M 46.88M 47.11M 47.16M 48.79M 48.75M 46.44M 43.64M 41.63M 40.17M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.86 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 48.29M 48.84M 49.06M 49.77M 49.19M 51.76M 48.94M 46.85M 44.46M 43.12M 41.76M
Normalized Net Operating Profit after Tax (NOPAT)		 20 26 36 40 40 37 71 61 38 30 41
Normalized NOPAT Margin		 21.71% 23.05% 30.05% 33.58% 27.61% 26.18% 41.54% 36.75% 27.58% 22.81% 26.34%
Pre Tax Income Margin		 35.02% 35.10% 42.93% 41.64% 36.38% 35.41% 57.10% 51.03% 37.90% 30.84% 11.05%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.60 1.84 2.16 1.38 1.35 1.30 5.83 3.97 0.62 0.33 0.15
NOPAT to Interest Expense		 0.99 1.21 1.03 1.11 0.75 0.96 4.24 2.86 0.45 0.24 0.01
EBIT Less CapEx to Interest Expense		 1.61 1.80 2.07 1.32 1.28 1.23 14.94 4.10 0.62 0.33 0.15
NOPAT Less CapEx to Interest Expense		 1.00 1.17 0.95 1.06 0.69 0.89 13.35 2.99 0.45 0.24 0.01
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 62.38% 53.86% 63.17% 46.59% 50.20% 58.06% 34.39% 39.48% 60.51% 72.89% 2,657.29%
Augmented Payout Ratio		 310.43% 62.28% 63.17% 46.60% 89.51% 86.19% 109.86% 90.00% 159.20% 135.26% 4,585.80%

Quarterly Metrics And Ratios for Northfield Bancorp

This table displays calculated financial ratios and metrics derived from Northfield Bancorp's official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - 43,116,424.00 42,626,087.00 41,810,525.00 41,801,495.00 41,763,997.00
DEI Adjusted Shares Outstanding		 - - - - - - 43,116,424.00 42,626,087.00 41,810,525.00 41,801,495.00 41,763,997.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - 0.18 0.22 0.26 -0.66 0.28
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -28.18% -23.53% -18.21% -7.15% -0.02% 12.73% 11.35% 23.38% 23.36% 12.69% 15.98%
EBITDA Growth		 -47.34% -38.46% -50.28% -33.14% -18.74% 20.66% 39.60% 47.79% 49.09% -213.00% 39.25%
EBIT Growth		 -53.39% -42.60% -47.54% -30.38% -19.63% 23.30% 26.74% 51.19% 66.39% -260.85% 56.25%
NOPAT Growth		 -51.82% -41.85% -46.92% -37.68% -20.27% 36.84% 26.75% 60.67% 64.82% -239.35% 50.37%
Net Income Growth		 -51.82% -41.85% -46.92% -37.68% -20.27% 36.84% 26.75% 60.67% 64.82% -343.55% 50.37%
EPS Growth		 -48.65% -38.71% -42.31% -36.36% -15.79% 42.11% 26.67% 71.43% 68.75% -351.85% 57.89%
Operating Cash Flow Growth		 -35.11% -42.79% -76.13% 111.47% 19.68% -58.03% 122.47% 104.37% -0.29% 170.63% 109.85%
Free Cash Flow Firm Growth		 -3,174.93% -55.73% 81.15% 69.02% 83.59% 174.83% 418.80% 249.79% 224.88% -218.34% -118.54%
Invested Capital Growth		 43.23% 20.33% 6.80% 10.34% 5.26% -11.57% -18.78% -13.03% -5.17% 15.32% 5.18%
Revenue Q/Q Growth		 -6.37% 2.30% -3.93% 0.90% 0.83% 15.35% -5.11% 11.80% 0.81% 5.36% -2.34%
EBITDA Q/Q Growth		 -14.01% -1.36% -31.05% 14.32% 4.52% 46.46% -20.22% 21.02% 5.43% -211.01% 198.31%
EBIT Q/Q Growth		 -16.05% 2.13% -24.58% 7.67% -3.10% 56.69% -22.47% 28.44% 6.64% -251.47% 175.31%
NOPAT Q/Q Growth		 -14.42% 0.50% -24.42% -4.14% 9.50% 72.48% -30.00% 21.52% 12.33% -245.83% 175.54%
Net Income Q/Q Growth		 -14.42% 0.50% -24.42% -4.14% 9.50% 72.48% -30.00% 21.52% 12.33% -354.88% 143.22%
EPS Q/Q Growth		 -13.64% 0.00% -21.05% -6.67% 14.29% 68.75% -29.63% 26.32% 12.50% -351.85% 144.12%
Operating Cash Flow Q/Q Growth		 256.95% 22.47% -70.34% 63.11% 102.01% -57.05% 57.20% 49.84% -1.44% 16.56% 21.90%
Free Cash Flow Firm Q/Q Growth		 8.25% 46.27% 58.60% -51.80% 51.40% 344.98% 76.39% -28.68% -59.48% -332.15% 72.37%
Invested Capital Q/Q Growth		 -0.42% -2.66% 12.62% 1.08% -5.00% -18.23% 3.44% 8.23% 3.59% -0.56% -5.65%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 46.74% 45.07% 32.35% 36.65% 37.99% 48.24% 40.55% 43.90% 45.91% -48.37% 48.69%
EBIT Margin		 34.76% 34.70% 27.24% 29.07% 27.94% 37.95% 31.01% 35.63% 37.69% -54.18% 41.78%
Profit (Net Income) Margin		 25.72% 25.26% 19.88% 18.88% 20.51% 30.67% 22.62% 24.59% 27.40% -66.28% 29.33%
Tax Burden Percent		 73.98% 72.80% 72.95% 64.95% 73.40% 80.80% 72.95% 69.03% 72.71% 122.34% 70.21%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 26.02% 27.20% 27.05% 35.05% 26.60% 19.20% 27.05% 30.98% 27.29% 0.00% 29.79%
Return on Invested Capital (ROIC)		 2.67% 2.33% 1.46% 1.37% 1.53% 2.64% 1.85% 2.03% 2.40% -3.79% 3.08%
ROIC Less NNEP Spread (ROIC-NNEP)		 2.67% 2.33% 1.46% 1.37% 1.53% 2.64% 1.85% 2.03% 2.40% -5.18% 3.08%
Return on Net Nonoperating Assets (RNNOA)		 2.81% 2.60% 2.23% 2.11% 2.24% 3.10% 2.48% 2.96% 3.38% -6.28% 3.59%
Return on Equity (ROE)		 5.47% 4.93% 3.69% 3.48% 3.77% 5.74% 4.33% 4.98% 5.78% -10.07% 6.67%
Cash Return on Invested Capital (CROIC)		 -32.46% -15.91% -4.75% -8.21% -3.55% 14.24% 22.63% 15.98% 7.62% -14.17% -4.74%
Operating Return on Assets (OROA)		 0.92% 0.85% 0.61% 0.66% 0.64% 0.88% 0.72% 0.89% 0.98% -1.46% 1.17%
Return on Assets (ROA)		 0.68% 0.62% 0.45% 0.43% 0.47% 0.71% 0.53% 0.61% 0.72% -1.79% 0.82%
Return on Common Equity (ROCE)		 5.47% 4.93% 3.69% 3.48% 3.77% 5.74% 4.33% 4.98% 5.78% -10.07% 6.67%
Return on Equity Simple (ROE_SIMPLE)		 6.37% 0.00% 4.61% 4.12% 3.85% 0.00% 4.44% 4.96% 5.48% 0.00% 0.69%
Net Operating Profit after Tax (NOPAT)		 8.18 8.22 6.21 5.96 6.52 11 7.88 9.57 11 -16 12
NOPAT Margin		 25.72% 25.26% 19.88% 18.88% 20.51% 30.67% 22.62% 24.59% 27.40% -37.92% 29.33%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 1.39% 0.00%
SG&A Expenses to Revenue		 54.14% 55.48% 62.26% 62.59% 53.34% 48.13% 51.97% 51.80% 50.35% 45.31% 46.85%
Operating Expenses to Revenue		 64.65% 64.46% 71.43% 72.89% 64.07% 56.75% 61.57% 59.02% 59.59% 150.15% 57.61%
Earnings before Interest and Taxes (EBIT)		 11 11 8.52 9.17 8.89 14 11 14 15 -22 17
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 15 15 10 12 12 18 14 17 18 -20 20
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.58 0.76 0.60 0.60 0.71 0.70 0.63 0.68 0.68 0.68 0.81
Price to Tangible Book Value (P/TBV)		 0.62 0.81 0.64 0.64 0.75 0.74 0.66 0.72 0.72 0.68 0.81
Price to Revenue (P/Rev)		 2.73 3.90 3.25 3.27 3.90 3.76 3.30 3.40 3.25 3.04 3.50
Price to Earnings (P/E)		 9.17 14.15 13.09 14.54 18.41 16.47 14.08 13.73 12.35 589.05 117.64
Dividend Yield		 5.86% 4.39% 5.49% 5.55% 4.53% 4.52% 5.04% 4.59% 4.46% 4.64% 3.88%
Earnings Yield		 10.91% 7.07% 7.64% 6.88% 5.43% 6.07% 7.10% 7.29% 8.10% 0.17% 0.85%
Enterprise Value to Invested Capital (EV/IC)		 0.78 0.76 0.72 0.77 0.75 0.74 0.75 0.80 0.78 0.77 0.76
Enterprise Value to Revenue (EV/Rev)		 8.86 8.96 10.09 11.11 10.34 8.02 8.26 8.99 8.67 8.21 7.41
Enterprise Value to EBITDA (EV/EBITDA)		 17.02 18.22 22.98 27.59 27.15 20.47 20.09 20.98 19.38 43.35 34.08
Enterprise Value to EBIT (EV/EBIT)		 21.60 23.65 29.70 35.29 34.72 26.00 26.04 26.95 24.30 74.30 51.23
Enterprise Value to NOPAT (EV/NOPAT)		 29.80 32.49 40.66 49.45 48.85 35.17 35.25 36.32 32.88 1,591.47 248.71
Enterprise Value to Operating Cash Flow (EV/OCF)		 22.53 26.06 39.10 38.09 33.38 33.86 30.69 29.40 29.84 23.59 18.49
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 4.85 2.98 4.64 9.98 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.43 1.32 1.61 1.66 1.50 1.03 1.08 1.26 1.31 1.39 1.24
Long-Term Debt to Equity		 0.09 1.28 1.58 1.66 0.09 1.03 0.09 0.09 0.09 0.09 0.09
Financial Leverage		 1.05 1.12 1.53 1.55 1.47 1.17 1.35 1.46 1.41 1.21 1.16
Leverage Ratio		 8.06 8.00 8.24 8.18 8.07 8.02 8.20 8.14 8.07 8.19 8.14
Compound Leverage Factor		 8.06 8.00 8.24 8.18 8.07 8.02 8.20 8.14 8.07 8.19 8.14
Debt to Total Capital		 58.89% 56.82% 61.72% 62.42% 60.07% 50.81% 52.01% 55.71% 56.68% 58.23% 55.43%
Short-Term Debt to Total Capital		 55.22% 1.54% 1.37% 0.00% 56.56% 0.00% 47.86% 51.87% 52.98% 54.49% 51.47%
Long-Term Debt to Total Capital		 3.68% 55.28% 60.35% 62.42% 3.50% 50.81% 4.15% 3.84% 3.71% 3.73% 3.96%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 41.11% 43.18% 38.28% 37.58% 39.93% 49.19% 47.99% 44.29% 43.32% 41.77% 44.57%
Debt to EBITDA		 12.84 13.70 19.77 22.48 21.73 14.15 13.90 14.65 14.07 32.92 24.85
Net Debt to EBITDA		 11.78 10.29 15.58 19.48 16.92 10.89 12.06 13.05 12.10 27.31 17.96
Long-Term Debt to EBITDA		 0.80 13.33 19.33 22.48 1.27 14.15 1.11 1.01 0.92 2.11 1.78
Debt to NOPAT		 22.49 24.44 34.99 40.28 39.09 24.31 24.38 25.37 23.87 1,208.39 181.38
Net Debt to NOPAT		 20.64 18.34 27.57 34.91 30.44 18.70 21.17 22.60 20.53 1,002.42 131.07
Long-Term Debt to NOPAT		 1.40 23.77 34.21 40.28 2.28 24.31 1.95 1.75 1.56 77.47 12.96
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -494 -265 -110 -167 -81 199 350 250 101 -235 -65
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 -21.44 -10.39 -3.57 -5.29 -2.61 6.61 12.38 8.92 3.56 -8.72 -2.50
Operating Cash Flow to Interest Expense		 0.51 0.56 0.14 0.22 0.45 0.20 0.33 0.50 0.49 0.60 0.76
Operating Cash Flow Less CapEx to Interest Expense		 0.51 0.56 0.14 0.22 0.45 0.20 0.33 0.50 0.49 0.60 0.76
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.03 0.03 0.03
Fixed Asset Turnover		 5.92 5.50 5.29 5.28 5.40 5.62 5.90 6.40 6.91 7.36 7.83
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,664 1,620 1,824 1,844 1,752 1,433 1,482 1,604 1,661 1,652 1,559
Invested Capital Turnover		 0.10 0.09 0.07 0.07 0.07 0.09 0.08 0.08 0.09 0.10 0.11
Increase / (Decrease) in Invested Capital		 502 274 116 173 88 -187 -343 -240 -91 219 77
Enterprise Value (EV)		 1,299 1,224 1,308 1,413 1,315 1,053 1,114 1,279 1,297 1,267 1,185
Market Capitalization		 399 533 421 416 495 493 445 483 487 469 560
Book Value per Share		 $15.21 $15.56 $15.71 $15.63 $16.20 $16.42 $16.49 $16.66 $17.21 $16.51 $16.63
Tangible Book Value per Share		 $14.29 $14.65 $14.79 $14.70 $15.25 $15.47 $15.54 $15.70 $16.23 $16.51 $16.63
Total Capital		 1,664 1,620 1,824 1,844 1,752 1,433 1,482 1,604 1,661 1,652 1,559
Total Debt		 980 920 1,126 1,151 1,052 728 771 893 942 962 864
Total Long-Term Debt		 61 895 1,101 1,151 61 728 61 62 62 62 62
Net Debt		 900 691 887 998 819 560 669 796 810 798 624
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 12 0.00
Net Nonoperating Obligations (NNO)		 980 920 1,126 1,151 1,052 728 771 893 942 962 864
Total Depreciation and Amortization (D&A)		 3.81 3.37 1.60 2.39 3.20 3.77 3.32 3.22 3.23 2.40 2.79
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.19 $0.19 $0.15 $0.14 $0.16 $0.27 $0.19 $0.24 $0.27 ($0.68) $0.30
Adjusted Weighted Average Basic Shares Outstanding		 44.96M 43.56M 44.34M 43.19M 42.90M 41.57M 42.63M 41.81M 41.80M 40.12M 41.76M
Adjusted Diluted Earnings per Share		 $0.19 $0.19 $0.15 $0.14 $0.16 $0.27 $0.19 $0.24 $0.27 ($0.68) $0.30
Adjusted Weighted Average Diluted Shares Outstanding		 44.96M 43.64M 44.34M 43.19M 42.90M 41.63M 42.63M 41.81M 41.80M 40.17M 41.76M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 44.96M 44.46M 44.34M 43.19M 42.90M 43.12M 42.63M 41.81M 41.80M 41.76M 41.76M
Normalized Net Operating Profit after Tax (NOPAT)		 8.18 8.22 6.21 5.96 6.52 11 7.88 9.57 11 -16 13
Normalized NOPAT Margin		 25.72% 25.26% 19.88% 18.88% 20.51% 30.67% 22.62% 24.59% 27.40% -37.92% 32.30%
Pre Tax Income Margin		 34.76% 34.70% 27.24% 29.07% 27.94% 37.95% 31.01% 35.63% 37.69% -54.18% 41.78%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.48 0.44 0.28 0.29 0.29 0.46 0.38 0.49 0.52 -0.83 0.65
NOPAT to Interest Expense		 0.36 0.32 0.20 0.19 0.21 0.37 0.28 0.34 0.38 -0.58 0.46
EBIT Less CapEx to Interest Expense		 0.48 0.44 0.28 0.29 0.29 0.46 0.38 0.49 0.52 -0.83 0.65
NOPAT Less CapEx to Interest Expense		 0.36 0.32 0.20 0.19 0.21 0.37 0.28 0.34 0.38 -0.58 0.46
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 53.19% 60.51% 69.76% 77.64% 81.71% 72.89% 68.50% 60.82% 54.01% 2,657.29% 441.86%
Augmented Payout Ratio		 148.08% 159.20% 145.00% 146.07% 167.54% 135.26% 133.64% 123.09% 92.61% 4,585.80% 663.87%

Financials Breakdown Chart

Key Financial Trends

Northfield Bancorp (NASDAQ: NFBK) showed a sharp rebound in Q1 2026 after a weak Q4 2025, but the longer trend still points to margin pressure, lower earnings power, and balance-sheet reshuffling that investors should watch closely.

  • Q1 2026 net income rose to $11.8 million from a $27.4 million loss in Q4 2025, a major quarter-over-quarter turnaround.
  • Net cash from operating activities improved to $19.8 million in Q1 2026 from $16.2 million in Q4 2025 and was also stronger than most recent quarterly comparisons.
  • The company generated $75.7 million in net change in cash and equivalents in Q1 2026, supported by positive operating and investing cash flow.
  • Allowance for loan losses of $37.0 million on $3.81 billion of loans suggests the bank is still maintaining a meaningful reserve cushion.
  • Total assets were relatively stable at $5.74 billion in Q1 2026, versus $5.73 billion in Q3 2025 and $5.68 billion in Q2 2025.
  • Loan balances have drifted lower over the past year, with loans and leases falling to $3.81 billion in Q1 2026 from $4.16 billion in Q1 2025.
  • Non-interest income remains modest and somewhat lumpy, so earnings are still heavily dependent on core banking spread income.
  • Q1 2026 net interest income was $36.9 million, only slightly above Q4 2025 and below the stronger levels seen earlier in 2025, indicating limited margin improvement.
  • Q1 2026 revenue of $40.4 million was well below Q4 2025’s $41.3 million and far below the $57.0 million achieved in Q1 2025, showing the business is still operating at a lower earnings base than last year.
  • Non-interest expense remained elevated at $23.3 million in Q1 2026, and the quarter also included a $1.7 million restructuring charge, which weighed on profitability.
  • Short-term debt remains substantial at $802.2 million in Q1 2026, even after moving down from $880.1 million in Q3 2025, so funding costs and refinancing risk remain important.
  • Deposit balances fell sequentially in Q1 2026, and Northfield has shown periodic deposit volatility over the last several quarters, which can pressure liquidity and funding costs.
  • Earnings per share remain modest at $0.30 in Q1 2026 versus -$0.68 in Q4 2025, but still below the stronger earnings periods from early 2025 and 2024.

Bottom line: Northfield Bancorp appears to have stabilized after a difficult fourth quarter, but the multi-quarter picture is mixed. Profitability has improved from the 2025 trough, yet revenue remains subdued, expenses are still high, and funding/deposit trends warrant caution. For retail investors, this looks more like a turnaround-in-progress than a clean growth story.

07/13/26 05:52 AM ETAI Generated. May Contain Errors.

Northfield Bancorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Northfield Bancorp's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Over the last 10 years, Northfield Bancorp's net income changed from $19.53 million in 2015 to $796 thousand in 2025, a change of -95.9%. See where experts think Northfield Bancorp is headed by visiting Northfield Bancorp's forecast page.

Over the last 10 years, Northfield Bancorp's total revenue changed from $89.97 million in 2015 to $154.32 million in 2025, a change of 71.5%.

Northfield Bancorp's total liabilities were at $5.06 billion at the end of 2025, a 2.1% increase from 2024, and a 91.6% increase since 2015.

In the past 10 years, Northfield Bancorp's cash and equivalents has ranged from $12.05 million in 2025 to $18.41 million in 2016, and is currently $12.05 million as of their latest financial filing in 2025.

Over the last 10 years, Northfield Bancorp's book value per share changed from 12.29 in 2015 to 16.51 in 2025, a change of 34.4%.


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Financial statements for NASDAQ:NFBK last updated on 7/2/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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