Northfield Bancorp, Inc. (Staten Island, NY) Logo

Northfield Bancorp, Inc. (Staten Island, NY)

NFBK

(2.0)
Stock Price

13,46 USD

0.5% ROA

4.12% ROE

16.29x PER

Market Cap.

478.503.096,00 USD

166.69% DER

4.69% Yield

13.29% NPM

Northfield Bancorp, Inc. (Staten Island, NY) Stock Analysis

Northfield Bancorp, Inc. (Staten Island, NY) Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Northfield Bancorp, Inc. (Staten Island, NY) Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.62x) suggests it's undervalued, making it an attractive opportunity for investors.

2 Dividend

Investors can trust the company's impressive dividend track record, consistently distributing dividends over the past five years, showcasing a strong commitment to rewarding shareholders.

3 ROE

The stock's ROE falls within an average range (6.29%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

4 ROA

The stock's ROA (0.81%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

5 Graham Number

The company's Graham number suggests that its stock price is underestimated, implying that it may present a compelling investment opportunity.

6 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (38), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

7 DER

The company has a high debt to equity ratio (145%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

8 Revenue Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

9 Net Profit Growth

Over the past five years, this company's net profit has failed to exhibit any growth, indicating a stagnant financial performance and making it a less favorable choice for potential investors.

10 Assets Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

11 Dividend Growth

The company's dividend growth has remained unchanged for three years, signaling a lack of positive momentum and making it a less favorable investment choice.

Northfield Bancorp, Inc. (Staten Island, NY) Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Northfield Bancorp, Inc. (Staten Island, NY) Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Sell
4 Stoch RSI Sell

Northfield Bancorp, Inc. (Staten Island, NY) Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Northfield Bancorp, Inc. (Staten Island, NY) Revenue
Year Revenue Growth
1999 29.464
2003 5.316.000 99.45%
2004 0 0%
2005 46.422.000 100%
2006 41.061.000 -13.06%
2007 46.344.000 11.4%
2008 52.946.000 12.47%
2009 61.984.000 14.58%
2010 68.931.000 10.08%
2011 77.439.000 10.99%
2012 77.481.000 0.05%
2013 85.683.000 9.57%
2014 84.809.000 -1.03%
2015 89.968.000 5.73%
2016 113.376.000 20.65%
2017 120.535.000 5.94%
2018 119.369.000 -0.98%
2019 126.593.000 5.71%
2020 141.280.000 10.4%
2021 170.102.000 16.94%
2022 166.289.000 -2.29%
2023 127.252.000 -30.68%
2023 220.691.000 42.34%
2024 252.316.000 12.53%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Northfield Bancorp, Inc. (Staten Island, NY) Research and Development Expenses
Year Research and Development Expenses Growth
1999 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Northfield Bancorp, Inc. (Staten Island, NY) General and Administrative Expenses
Year General and Administrative Expenses Growth
1999 481.669
2003 0 0%
2004 0 0%
2005 11.053.000 100%
2006 13.451.000 17.83%
2007 12.685.000 -6.04%
2008 14.744.000 13.97%
2009 23.191.000 36.42%
2010 24.898.000 6.86%
2011 27.527.000 9.55%
2012 27.253.000 -1.01%
2013 28.574.000 4.62%
2014 27.501.000 -3.9%
2015 31.310.000 12.17%
2016 41.274.000 24.14%
2017 39.301.000 -5.02%
2018 35.867.000 -9.57%
2019 40.134.000 10.63%
2020 42.322.000 5.17%
2021 45.042.000 6.04%
2022 43.368.000 -3.86%
2023 46.044.000 5.81%
2023 48.827.000 5.7%
2024 56.148.000 13.04%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Northfield Bancorp, Inc. (Staten Island, NY) EBITDA
Year EBITDA Growth
1999 2.548.817
2003 45.792.000 94.43%
2004 16.366.000 -179.8%
2005 49.333.000 66.83%
2006 47.707.000 -3.41%
2007 39.611.000 -20.44%
2008 53.136.000 25.45%
2009 49.684.000 -6.95%
2010 46.533.000 -6.77%
2011 51.103.000 8.94%
2012 50.788.000 -0.62%
2013 50.905.000 0.23%
2014 51.530.000 1.21%
2015 54.789.000 5.95%
2016 65.501.000 16.35%
2017 79.337.000 17.44%
2018 89.107.000 10.96%
2019 61.925.000 -43.9%
2020 58.718.000 -5.46%
2021 105.611.000 44.4%
2022 114.686.000 7.91%
2023 44.232.000 -159.28%
2023 51.760.000 14.54%
2024 -2.596.000 2093.84%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Northfield Bancorp, Inc. (Staten Island, NY) Gross Profit
Year Gross Profit Growth
1999 29.464
2003 5.316.000 99.45%
2004 0 0%
2005 46.422.000 100%
2006 41.061.000 -13.06%
2007 46.344.000 11.4%
2008 52.946.000 12.47%
2009 61.984.000 14.58%
2010 68.931.000 10.08%
2011 77.439.000 10.99%
2012 77.481.000 0.05%
2013 85.683.000 9.57%
2014 84.809.000 -1.03%
2015 89.968.000 5.73%
2016 113.376.000 20.65%
2017 120.535.000 5.94%
2018 119.369.000 -0.98%
2019 126.593.000 5.71%
2020 141.280.000 10.4%
2021 170.102.000 16.94%
2022 166.289.000 -2.29%
2023 127.252.000 -30.68%
2023 208.795.000 39.05%
2024 252.316.000 17.25%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Northfield Bancorp, Inc. (Staten Island, NY) Net Profit
Year Net Profit Growth
1999 379.337
2003 15.013.000 97.47%
2004 16.366.000 8.27%
2005 13.159.000 -24.37%
2006 10.842.000 -21.37%
2007 10.507.000 -3.19%
2008 15.831.000 33.63%
2009 12.074.000 -31.12%
2010 13.793.000 12.46%
2011 16.823.000 18.01%
2012 16.031.000 -4.94%
2013 19.147.000 16.27%
2014 20.266.000 5.52%
2015 19.531.000 -3.76%
2016 26.130.000 25.25%
2017 24.768.000 -5.5%
2018 40.079.000 38.2%
2019 40.235.000 0.39%
2020 36.988.000 -8.78%
2021 70.654.000 47.65%
2022 61.119.000 -15.6%
2023 32.724.000 -86.77%
2023 37.669.000 13.13%
2024 23.828.000 -58.09%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Northfield Bancorp, Inc. (Staten Island, NY) Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1999 1
2003 0 0%
2004 1 0%
2005 1 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 1 0%
2020 1 0%
2021 1 100%
2022 1 0%
2023 1 0%
2023 1 0%
2024 1 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Northfield Bancorp, Inc. (Staten Island, NY) Free Cashflow
Year Free Cashflow Growth
1999 1.574.356
2005 18.226.000 91.36%
2006 9.670.000 -88.48%
2007 11.412.000 15.26%
2008 2.671.000 -327.26%
2009 9.708.000 72.49%
2010 20.206.000 51.95%
2011 21.378.000 5.48%
2012 19.942.000 -7.2%
2013 27.092.000 26.39%
2014 24.901.000 -8.8%
2015 31.509.000 20.97%
2016 36.769.000 14.31%
2017 41.559.000 11.53%
2018 49.910.000 16.73%
2019 47.529.000 -5.01%
2020 52.155.000 8.87%
2021 63.121.000 17.37%
2022 80.779.000 21.86%
2023 43.308.000 -86.52%
2023 590 -7340238.98%
2024 6.670.000 99.99%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Northfield Bancorp, Inc. (Staten Island, NY) Operating Cashflow
Year Operating Cashflow Growth
1999 1.589.348
2005 18.939.000 91.61%
2006 10.765.000 -75.93%
2007 11.412.000 5.67%
2008 5.333.000 -113.99%
2009 15.164.000 64.83%
2010 25.575.000 40.71%
2011 27.460.000 6.86%
2012 27.977.000 1.85%
2013 30.008.000 6.77%
2014 25.710.000 -16.72%
2015 32.311.000 20.43%
2016 37.701.000 14.3%
2017 43.624.000 13.58%
2018 52.789.000 17.36%
2019 51.152.000 -3.2%
2020 55.214.000 7.36%
2021 64.759.000 14.74%
2022 83.331.000 22.29%
2023 46.913.000 -77.63%
2023 590 -7951255.93%
2024 6.911.000 99.99%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Northfield Bancorp, Inc. (Staten Island, NY) Capital Expenditure
Year Capital Expenditure Growth
1999 14.992
2005 713.000 97.9%
2006 1.095.000 34.89%
2007 0 0%
2008 2.662.000 100%
2009 5.456.000 51.21%
2010 5.369.000 -1.62%
2011 6.082.000 11.72%
2012 8.035.000 24.31%
2013 2.916.000 -175.55%
2014 809.000 -260.44%
2015 802.000 -0.87%
2016 932.000 13.95%
2017 2.065.000 54.87%
2018 2.879.000 28.27%
2019 3.623.000 20.54%
2020 3.059.000 -18.44%
2021 1.638.000 -86.75%
2022 2.552.000 35.82%
2023 3.605.000 29.21%
2023 0 0%
2024 241.000 100%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Northfield Bancorp, Inc. (Staten Island, NY) Equity
Year Equity Growth
1999 7.072.642
2003 137.887.000 94.87%
2005 151.759.000 9.14%
2006 163.994.000 7.46%
2007 367.340.000 55.36%
2008 386.578.000 4.98%
2009 391.540.000 1.27%
2010 396.717.000 1.3%
2011 382.650.000 -3.68%
2012 414.873.000 7.77%
2013 716.108.000 42.07%
2014 593.928.000 -20.57%
2015 559.779.000 -6.1%
2016 621.196.000 9.89%
2017 638.877.000 2.77%
2018 666.439.000 4.14%
2019 695.853.000 4.23%
2020 753.981.000 7.71%
2021 739.883.000 -1.91%
2022 701.390.000 -5.49%
2023 684.075.000 -2.53%
2023 699.445.000 2.2%
2024 693.024.000 -0.93%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Northfield Bancorp, Inc. (Staten Island, NY) Assets
Year Assets Growth
1999 53.580.075
2003 1.466.755.000 96.35%
2005 1.408.562.000 -4.13%
2006 1.294.747.000 -8.79%
2007 1.386.918.000 6.65%
2008 1.757.761.000 21.1%
2009 2.002.274.000 12.21%
2010 2.247.167.000 10.9%
2011 2.376.918.000 5.46%
2012 2.813.201.000 15.51%
2013 2.702.764.000 -4.09%
2014 3.020.869.000 10.53%
2015 3.202.584.000 5.67%
2016 3.850.094.000 16.82%
2017 3.991.417.000 3.54%
2018 4.408.432.000 9.46%
2019 5.055.302.000 12.8%
2020 5.514.544.000 8.33%
2021 5.430.542.000 -1.55%
2022 5.601.293.000 3.05%
2023 5.437.084.000 -3.02%
2023 5.601.110.000 2.93%
2024 5.746.361.000 2.53%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Northfield Bancorp, Inc. (Staten Island, NY) Liabilities
Year Liabilities Growth
1999 46.507.433
2003 1.328.868.000 96.5%
2005 1.256.803.000 -5.73%
2006 1.130.753.000 -11.15%
2007 1.019.578.000 -10.9%
2008 1.371.183.000 25.64%
2009 1.610.734.000 14.87%
2010 1.850.450.000 12.95%
2011 1.994.268.000 7.21%
2012 2.398.328.000 16.85%
2013 1.986.656.000 -20.72%
2014 2.426.941.000 18.14%
2015 2.642.805.000 8.17%
2016 3.228.898.000 18.15%
2017 3.352.540.000 3.69%
2018 3.741.993.000 10.41%
2019 826.073.000 -352.99%
2020 559.523.000 -47.64%
2021 411.606.000 -35.94%
2022 4.899.903.000 91.6%
2023 991.671.000 -394.11%
2023 4.901.665.000 79.77%
2024 5.053.337.000 3%

Northfield Bancorp, Inc. (Staten Island, NY) Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
5.12
Net Income per Share
0.68
Price to Earning Ratio
16.29x
Price To Sales Ratio
2.23x
POCF Ratio
12.78
PFCF Ratio
14.2
Price to Book Ratio
0.67
EV to Sales
7.02
EV Over EBITDA
71.52
EV to Operating CashFlow
41.46
EV to FreeCashFlow
44.83
Earnings Yield
0.06
FreeCashFlow Yield
0.07
Market Cap
0,48 Bil.
Enterprise Value
1,51 Bil.
Graham Number
15.89
Graham NetNet
-89.72

Income Statement Metrics

Net Income per Share
0.68
Income Quality
1.27
ROE
0.04
Return On Assets
0
Return On Capital Employed
0.01
Net Income per EBT
0.71
EBT Per Ebit
0.97
Ebit per Revenue
0.19
Effective Tax Rate
0.29

Margins

Sales, General, & Administrative to Revenue
0.14
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.02
Gross Profit Margin
0.97
Operating Profit Margin
0.19
Pretax Profit Margin
0.19
Net Profit Margin
0.13

Dividends

Dividend Yield
0.05
Dividend Yield %
4.69
Payout Ratio
0.78
Dividend Per Share
0.52

Operating Metrics

Operating Cashflow per Share
0.87
Free CashFlow per Share
0.8
Capex to Operating CashFlow
0.08
Capex to Revenue
0.01
Capex to Depreciation
0.37
Return on Invested Capital
0.02
Return on Tangible Assets
0.01
Days Sales Outstanding
32.84
Days Payables Outstanding
0
Days of Inventory on Hand
-248.33
Receivables Turnover
11.12
Payables Turnover
0
Inventory Turnover
-1.47
Capex per Share
0.07

Balance Sheet

Cash per Share
30,31
Book Value per Share
16,50
Tangible Book Value per Share
15.52
Shareholders Equity per Share
16.5
Interest Debt per Share
29.74
Debt to Equity
1.67
Debt to Assets
0.2
Net Debt to EBITDA
48.86
Current Ratio
0.1
Tangible Asset Value
0,65 Bil.
Net Current Asset Value
-4,87 Bil.
Invested Capital
-1661325000
Working Capital
-1,76 Bil.
Intangibles to Total Assets
0.01
Average Receivables
0,02 Bil.
Average Payables
0,00 Bil.
Average Inventory
-556708500
Debt to Market Cap
2.41

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Northfield Bancorp, Inc. (Staten Island, NY) Dividends
Year Dividends Growth
2008 0
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 1 0%
2022 1 0%
2023 1 0%
2024 0 0%

Northfield Bancorp, Inc. (Staten Island, NY) Profile

About Northfield Bancorp, Inc. (Staten Island, NY)

Northfield Bancorp, Inc. (Staten Island, NY) operates as the bank holding company for Northfield Bank that provides various banking services primarily to individuals and corporate customers. It accepts various deposits products, including certificates of deposit, passbook, statement, and money market savings accounts; transaction deposit accounts comprising negotiable orders of withdrawal accounts, and interest and non-interest-bearing checking accounts; individual retirement accounts; and brokered deposits. The company also offers various loans comprising multifamily and other commercial real estate loans, construction and land loans, commercial and industrial loans, one-to-four family residential real estate loans, and home equity loans and lines of credit. In addition, it purchases various investment securities, such as mortgage-backed securities and corporate bonds; and deposits funds in other financial institutions, as well as holds mortgage loans, mortgage-backed securities, and other investments. As of December 31, 2021, the company operated 38 full-service banking offices in Staten Island and Brooklyn, New York; and Hunterdon, Middlesex, Mercer, and Union counties, New Jersey. Northfield Bancorp, Inc. (Staten Island, NY) was founded in 1887 and is headquartered in Woodbridge, New Jersey.

CEO
Mr. Steven M. Klein CPA
Employee
397
Address
581 Main Street
Woodbridge, 07095

Northfield Bancorp, Inc. (Staten Island, NY) Executives & BODs

Northfield Bancorp, Inc. (Staten Island, NY) Executives & BODs
# Name Age
1 Ms. Robin Lefkowitz
Executive Vice President, Chief Branch Administration, Deposit Operations & Business Development Officer
70
2 Mr. William R. Jacobs
Executive Vice President & Chief Financial Officer
70
3 Susan Aufiero-Peters Esq.
Senior Vice President, General Counsel & Corporate Secretary
70
4 Mr. Damien D. Kane
Senior Vice President & Director of Marketing
70
5 Mr. Steven M. Klein CPA
President, Chief Executive Officer & Chairman
70
6 Mr. David V. Fasanella
Executive Vice President & Chief Lending Officer
70
7 Ms. Judith Calabrese
Senior Vice President & Assistant Corporate Secretary
70
8 Ms. Vickie Tomasello
Executive Vice President & Chief Risk Officer
70

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