NFBK$10.54
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AI NFBK Summary
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Powered by LiveAIOverall Analysis
HoldNorthfield Bancorp, Inc. presents a mixed investment profile. Fundamentally, it offers a stable dividend yield and a reasonable P/E ratio, but growth appears muted. Technically, the stock is showing some bearish signals, while thematic exposure is limited. It might appeal to income-focused investors seeking stability rather than growth.
Thematic
Northfield Bancorp operates within the traditional banking sector, offering limited direct exposure to high-growth technological or disruptive themes. Its business model is largely tied to economic cycles and interest rate environments.
Fundamental
Northfield Bancorp shows stable financial performance with consistent dividend payments and a manageable debt level. Profitability has been declining recently, which warrants attention, but valuation metrics remain attractive.
Technical
Northfield Bancorp's stock is trading below key moving averages and exhibits bearish momentum signals, suggesting potential for further downside or consolidation in the short term.
| Factor | Score |
|---|---|
| Financial Sector Trends | 40 |
| Interest Rate Sensitivity | 50 |
| Regional Economic Exposure | 30 |
| Digital Banking Adoption | 20 |
| ESG & Sustainability | 35 |
| Factor | Score |
|---|---|
| Valuation | 70 |
| Profitability | 75 |
| Growth | 30 |
| Balance Sheet Health | 65 |
| Cash Flow | 20 |
| Dividend Yield | 85 |
| Factor | Score |
|---|---|
| Trend Analysis | 30 |
| Momentum | 40 |
| Volume Confirmation | 60 |
| Support & Resistance | 50 |
| Moving Averages Convergence/Divergence (MACD) | 40 |
AI Investing Checklist
Powered by LiveAIBullish Points (7)
Strong Cash Position
The company ended Q1 2025 with a cash and cash equivalents balance of $101.66 million, indicating a healthy liquidity position to meet short-term obligations and fund operations.
Consistent Dividend Payments
Northfield Bancorp, Inc. (NFBK) has a history of consistent dividend payments, with a current dividend yield of 4.5%, providing a steady income stream to shareholders.
Bearish Points (7)
Negative Medium-Term Performance
The stock has experienced negative returns over the past 1, 6, and 12 months (-7.02%, -4.35%, and -7.02% respectively), indicating a downward trend or underperformance.
High Quarterly P/E Ratio
The quarterly P/E ratio for Q1 2025 stands at 58.4, which is significantly higher than the trailing P/E, suggesting that recent earnings may not be keeping pace with the stock price.
Calendar
May 2025
21
Next Dividend Date
August 2025
6
Ex-Dividend Date
October 2025
23
Next Earnings Date
H: $0.25
A: $0.23
L: $0.22
H: 38.08M
A: 37.89M
L: 37.70M
Profile
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.
Seasonals
Price Target
12.00 USD
The 39 analysts offering 1 year price forecasts for NFBK have a max estimate of 12.00 and a min estimate of 12.00.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
Related Companies
Powered by LiveAIWeight: 95
Direct competitor; regional bank in New Jersey with similar community banking focus and asset size.
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Close peer; community bank in New Jersey, highly comparable in business model and geographic market.
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Direct competitor; New Jersey-based bank with a strong commercial and small business lending focus, similar market.
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Key peer; regional bank operating in New Jersey, with a comparable lending portfolio and deposit base.