Northfield Bancorp

NFBK

Banks - Regional · Financial Services

Price

$14.86

+0.20 (+1.36%)

Market Cap

$620.6M

Exchange

NASDAQ

Winston Score

Winston is curious

Mixed quality — meaningful strengths and weaknesses.

Share count falling — buybacks

−17.6% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 48.8M (2021) → 40.2M (2025)

Northfield Bancorp is a regional bank holding company based in the New York City metro area, primarily serving customers in Staten Island and New Jersey. It operates through Northfield Bank, which offers everyday banking products like checking and savings accounts, mortgages, and loans to individuals and small businesses. The bank has roots going back over 150 years as a community-focused savings institution.

Northfield makes money mainly through the difference between the interest it earns on loans and the interest it pays on deposits, known as net interest income. It operates a network of branches concentrated in the New York and New Jersey market, giving it a local presence but also limiting its geographic reach compared to larger regional banks. With a very low return on invested capital and a modest operating margin, the bank faces ongoing pressure to improve profitability, and rising or falling interest rates remain the single biggest factor shaping its earnings from year to year.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-0.3% YoY

YoY Growth Rate

Revenue declining

EPS Growth

+57.9% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

5.1%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$12M cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

Northfield Bancorp's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Quality

Gross Margin

58.8%

Premium pricing power — 58.8% gross margin

Operating Margin

21.4%

Excellent — 21.4% operating margin

ROCE

0.9%

Weak — 0.9% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Growth

Sales YoY

+5.3%

Slow sales growth (5.3% YoY)

EPS YoY

-84.4%

Earnings shrinking (-84.4% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Cash Flow

Cash Conversion

1321%

Turns 1321% of profit into real cash

FCF Margin

23.1%

Converts sales into free cash efficiently (23.1%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Stability

Debt / Equity

1.25

Elevated debt (1.25)

Interest Cover

0.18x

Dangerous — barely covers interest (0.2x)

Interest coverage below 1. Their profits don't cover the interest bill.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Valuation

P/E Ratio (TTM)

123.8x

Expensive — P/E 123.8

P/E over 35. The market is pricing in heavy, sustained growth.

P/E vs Forward

+113.2

GROWING

Earnings expected to grow meaningfully — cheaper on forward P/E (123.8 → 10.7)

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Dividends

Dividend Yield

3.61%

Moderate income — 3.61% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend Growth

+0.0%

Dividend flat

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

🔒 See full fundamentals and if they are improving or declining — click here for your free trial now.

Start free trial