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Northfield Bancorp, Inc.

NFBK

$15.33 ▲ +0.49 (+3.34%) at close

17 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Weak

Neutral

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Analytical Summary

Northfield Bancorp, Inc. shows mixed fundamentals. Consider comparing against peers in the Financials sector before making investment decisions.

Market Cap $615.0M

Dividend Yield 3.39%

Revenue Growth 17.5% ↗

Op. Margin 11.0% ↘

ROIC None

FCF / Share None

Trailing P/E 766.5x

Price / Book 0.9x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Jul 20, 2026.

17-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$154.32M

↑ +17.5% —

Net Income Profit after all expenses

$796.00K

↓ -97.3% —

Operating Margin Operating profit as % of sales

11.0%

↓ -64.2% 59th

Long-Term Debt Long-term obligations

$666.40M

↓ -22.4% —

Health Breakdown

Profitability ↓

Returns ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.52 Latest / share

+0.0% YoY

+6.5% 12-yr CAGR

$0.26

FY 2014

$0.28

FY 2015

$0.31

FY 2016

$0.34

FY 2017

$0.40

FY 2018

$0.43

FY 2019

$0.44

FY 2020

$0.50

FY 2021

$0.52

FY 2022

$0.52

FY 2023

$0.52

FY 2024

$0.52

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Revenue Growth YoY (%)	17.5% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+192%)	-3.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-164%)	-17.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-398%)	-2.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-137%)	20.4% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+240%)	11.6% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+93%)	6.1% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	-1.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-116%)	6.3% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+5%)	26.0% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+334%)	6.1% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	-1.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-117%)	10.6% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+76%)	0.1% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-99%)	12.3% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+106%)	—	—
EPS Growth YoY (%)	-97.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-16.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-34.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-9.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	92.1% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-11.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-1.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	58.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-6.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	28.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	12.2% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	17.1% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	16.7% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	0.0% Caution Caution Year-over-year change in earnings per share Optimal: > 10%	25.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	-97.3% Weak ↓ Weak Declining Year-over-year change in net income	-20.5% Weak ↓ Weak Declining Year-over-year change in net income	-38.4% Weak ↓ Weak Declining Year-over-year change in net income	-13.5% Weak ↓ Weak Declining Year-over-year change in net income	91.0% Excellent ↑ Excellent Improving Year-over-year change in net income	-8.1% Weak ↓ Weak Declining Year-over-year change in net income	0.4% Caution ↓ Caution Declining Year-over-year change in net income	61.8% Excellent ↑ Excellent Improving Year-over-year change in net income	-5.2% Weak ↓ Weak Declining Year-over-year change in net income	33.8% Excellent ↑ Excellent Improving Year-over-year change in net income	-3.6% Weak ↓ Weak Declining Year-over-year change in net income	5.8% Fair ↓ Fair Declining Year-over-year change in net income	19.4% Good ↑ Good Improving Year-over-year change in net income	-4.7% Weak Weak Year-over-year change in net income	22.0% Good Good Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	-2.5% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-8.3% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-1.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	9.5% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	12.5% Good ↑ Good Improving Compound annual revenue growth over 3 years	5.4% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	3.7% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	9.9% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	12.4% Good ↑ Good Improving Compound annual revenue growth over 3 years	9.8% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	5.1% Fair → Fair Stable Compound annual revenue growth over 3 years	3.1% Caution Caution Compound annual revenue growth over 3 years	7.5% Fair Fair Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	1.8% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	0.7% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	2.7% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	6.6% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	8.5% Good → Good Stable Compound annual revenue growth over 5 years	9.4% Good ↑ Good Improving Compound annual revenue growth over 5 years	8.3% Good → Good Stable Compound annual revenue growth over 5 years	6.9% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	9.2% Good ↑ Good Improving Compound annual revenue growth over 5 years	7.9% Fair Fair Compound annual revenue growth over 5 years	5.5% Fair Fair Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-75.3% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-21.0% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	4.2% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	15.4% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	18.8% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	11.4% Good ↓ Good Declining Compound annual EPS growth over 3 years	13.4% Good ↓ Good Declining Compound annual EPS growth over 3 years	23.7% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	10.3% Good ↓ Good Declining Compound annual EPS growth over 3 years	19.0% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	15.3% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	11.0% Good Good Compound annual EPS growth over 3 years	13.4% Good Good Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Operating Margin (%) (%)	11.0% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-56%)	30.8% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+23%)	37.9% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+52%)	51.0% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+104%)	57.1% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+128%)	35.4% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+42%)	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	95.3% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.1% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.2% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.0% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.3% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.1% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	0.5% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-98%)	22.8% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	27.6% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+25%)	36.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+67%)	41.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+89%)	26.2% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+19%)	31.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+44%)	33.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+53%)	20.5% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-7%)	23.0% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	21.7% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	23.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+9%)	22.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	20.7% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-6%)	21.7% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	20.0% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-9%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.7% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	0.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-99%)	4.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-65%)	5.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-55%)	8.7% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-27%)	9.5% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-20%)	4.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-59%)	5.8% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-52%)	6.0% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-50%)	3.9% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-68%)	4.2% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-65%)	3.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-71%)	3.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-72%)	2.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-78%)	3.9% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-68%)	4.4% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-63%)	3.5% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-71%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Debt to Equity (x)	—	0.95x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-21%)	1.23x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: At sector avg	0.83x Fair → Fair Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-31%)	0.57x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-52%)	0.78x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-35%)	1.23x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: At sector avg	0.61x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-49%)	0.74x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-38%)	0.76x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-37%)	1.00x Fair → Fair Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-17%)	1.31x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+9%)	0.66x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-45%)	1.01x Caution Caution Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-16%)	1.26x Caution Caution Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: At sector avg	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Revenue per Share (USD)	$3.85	$3.16	$3.13	$3.60	$3.51	$2.90	$2.71	$2.58	$2.66	$2.55	$2.13	$1.73	$1.57	$1.43	$1.38	$1.19	—
Basic EPS, GAAP (USD)	$0.02	$0.72	$0.86	$1.32	$1.46	$0.76	$0.86	$0.87	$0.55	$0.59	$0.46	$0.41	$0.35	$0.30	$0.30	$0.24	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.52	$0.52	$0.52	$0.52	$0.50	$0.44	$0.43	$0.40	$0.34	$0.31	$0.28	$0.26	$0.49	$0.09	$0.16	$0.14	—
Book Value per Share (USD)	$16.51	$16.43	$15.71	$14.78	$15.02	$14.44	$14.15	$13.43	$13.09	$12.80	$12.29	$12.27	$12.36	$10.00	$9.44	$6.83	—
Tangible Book Value per Share (USD)	$16.51	$15.47	$14.79	$13.92	$14.19	$13.65	$13.37	$12.65	$12.30	$12.01	$11.93	$11.94	$12.08	$9.61	$9.05	$6.83	—
Basic Weighted Avg Shares (shares)	40.12M	41.57M	43.56M	46.23M	48.42M	48.72M	46.78M	46.32M	45.33M	44.37M	42.29M	49.01M	54.64M	54.34M	56.22M	58.07M	—
Dividend Payout Ratio (%)	2600.0% Weak ↑ Weak Improving Dividends paid as a percentage of earnings Optimal: 30-60%	72.2% Caution ↑ Caution Improving Dividends paid as a percentage of earnings Optimal: 30-60%	60.5% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	39.4% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	34.2% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	57.9% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	50.0% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	46.0% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	61.8% Fair → Fair Stable Dividends paid as a percentage of earnings Optimal: 30-60%	52.5% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	60.9% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	63.4% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	140.0% Weak ↑ Weak Improving Dividends paid as a percentage of earnings Optimal: 30-60%	30.0% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	53.3% Fair Fair Dividends paid as a percentage of earnings Optimal: 30-60%	58.3% Fair Fair Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	—	$666.40M	$859.27M	$583.86M	$421.75M	$591.79M	$857.00M	$408.89M	$471.55M	$473.21M	$558.13M	$778.66M	$470.32M	$419.12M	$481.93M	—	—
Total Equity (USD)	$690.06M	$704.70M	$699.45M	$701.39M	$739.88M	$753.98M	$695.85M	$666.44M	$638.88M	$621.20M	$559.78M	$593.93M	$716.11M	$414.87M	$382.65M	$396.72M	$391.54M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Sales/Revenue/Turnover (USD)	$154.32M	$131.31M	$136.56M	$166.29M	$170.10M	$141.28M	$126.59M	$119.37M	$120.53M	$113.38M	$89.97M	$84.81M	$85.68M	$77.48M	$77.44M	$68.93M	—
Depreciation Expense (USD)	$3.20M	$3.60M	$3.70M	$3.60M	$3.90M	$3.90M	$3.60M	$3.00M	$3.20M	$3.60M	$3.40M	$3.60M	$3.60M	$2.80M	$2.10M	$1.80M	—
Net Income, GAAP (USD)	$796.00K	$29.95M	$37.67M	$61.12M	$70.65M	$36.99M	$40.23M	$40.08M	$24.77M	$26.13M	$19.53M	$20.27M	$19.15M	$16.03M	$16.82M	$13.79M	—
Operating Cash Flow (USD)	$53.70M	$31.11M	$46.97M	$83.33M	$64.76M	$55.21M	$51.15M	$52.79M	$43.62M	—	—	—	—	$27.98M	$27.46M	$25.57M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Net Interest Margin (approx.) (%)	2.4%	2.0%	2.2%	2.8%	2.9%	2.4%	2.2%	2.5%	2.7%	2.7%	2.6%	2.5%	2.8%	2.4%	2.8%	—	—
Efficiency Ratio (%) (%)	84.2%	65.9%	61.1%	46.3%	46.5%	55.6%	58.1%	56.2%	55.9%	64.3%	64.6%	61.4%	62.9%	63.2%	53.6%	56.1%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 17 years · 60 quarters

Northfield Bancorp, Inc.

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