What is Northfield Bancorp, Inc.'s earnings per share (EPS)?

Northfield Bancorp, Inc. (NFBK) reported diluted earnings per share of $0.02 for fiscal year 2025. This represents a -97.2% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Northfield Bancorp, Inc. (NFBK) Financials

NFBK

Trailing 12 months to March 31, 2026

Revenue $159.9M +18.6% YoY

Net Income $4.8M -84.9% YoY

EPS (Diluted) $0.13 -82.9% YoY

Free Cash Flow $63.0M +78.2% YoY

Source SEC Filings (10-K/10-Q) Latest period Q1 FY2026, ended Mar 31, 2026 Reported May 11, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q1 FY2026, filed May 11, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the NFBK SEC filings page.

Northfield Bancorp, Inc. (NFBK) reported $159.9M in revenue over the twelve months to Mar 31, 2026, up 18.6% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI NFBK FY2025 2026-09-05

Northfield’s dominant mechanic is a banking spread squeeze: funding costs absorbed reported earnings while cash-flow measures stayed positive.

The unusual signal is the earnings-to-cash divergence: FY2025 net income fell to $796K even as operating cash flow was $53.7M. Free cash flow was $52.5M, so positive cash-flow measures cannot be treated as a proxy for recurring profitability; cash movements and accounting earnings are measuring different mechanics.

Interest expense reached $111.7M against revenue of $154.3M in FY2025, leaving little room for earnings after funding costs. Net margin fell from 22.8% in FY2024 to 0.5%, making this primarily a financing-economics story rather than a conventional sales-volume story.

Total liabilities rose from $4.96B to $5.06B between FY2024 and FY2025, while equity moved in the opposite direction. The thinner equity cushion alongside assets of $5.75B makes the balance sheet more sensitive to changes in funding conditions.

Financial Health Signals

Financial Health Score 29/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Northfield Bancorp, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Northfield Bancorp, Inc. earned a return on assets of 0.0% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is down from 0.5% the prior year. Earnings ranks banks on that return over three years, and Northfield Bancorp, Inc. scores 23/100 among other banks.

Growth

Northfield Bancorp, Inc. reported revenue of $154.3M in fiscal year 2025, against $131.3M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Northfield Bancorp, Inc. scores 42/100 among other banks.

Capital

Northfield Bancorp, Inc. funded 12.0% of its assets with shareholders' equity at the end of fiscal year 2025, holding $690.1M of equity against $5.8B of assets. Capital ranks banks on that cushion, and Northfield Bancorp, Inc. scores 58/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Northfield Bancorp, Inc. scores 22/100 on it among other banks.

Credit Quality

Not available for Northfield Bancorp, Inc., and counted as zero in the overall score.

Stability

Northfield Bancorp, Inc. reported net income of $796K in fiscal year 2025, against $29.9M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Northfield Bancorp, Inc. scores 29/100 among other banks.

Piotroski F-Score Partial

5/6

Northfield Bancorp, Inc. passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

N/A

Northfield Bancorp, Inc. reported $796K of net income while generating $53.7M in operating cash flow. The ratio between the two is outside the range this page publishes as a per-dollar figure, so both figures are given instead.

Key Financial Metrics

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Earnings & Revenue

Revenue

$40.4M

YoY+16.0%

QoQ-2.3%

5Y CAGR-1.2%

10Y CAGR+4.1%

Northfield Bancorp, Inc. generated $40.4M in revenue in Q1 2026. This represents an increase of 16.0% from the same quarter a year earlier. Against the prior quarter it is down 2.3%.

Net Income

$11.8M

YoY+50.4%

QoQ+143.2%

5Y CAGR-8.7%

10Y CAGR+12.5%

Northfield Bancorp, Inc. reported $11.8M in net income in Q1 2026. This represents an increase of 50.4% from the same quarter a year earlier. Against the prior quarter it is up 143.2%.

EPS (Diluted)

$0.30

YoY+57.9%

QoQ+144.1%

5Y CAGR-4.6%

10Y CAGR+14.1%

Northfield Bancorp, Inc. earned $0.30 per diluted share (EPS) in Q1 2026. This represents an increase of 57.9% from the same quarter a year earlier. Against the prior quarter it is up 144.1%.

EBITDA

Not reported for Q1 2026.

Cash & Balance Sheet

Free Cash Flow

$19.6M

YoY+113.7%

QoQ+23.4%

5Y CAGR-0.3%

10Y CAGR+13.4%

Northfield Bancorp, Inc. generated $19.6M in free cash flow in Q1 2026, representing cash available after capex. This represents an increase of 113.7% from the same quarter a year earlier. Against the prior quarter it is up 23.4%.

Cash & Debt

$239.6M

YoY+135.7%

QoQ+46.1%

5Y CAGR+13.4%

10Y CAGR+7.6%

Northfield Bancorp, Inc. held $239.6M in cash as of Q1 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.13

YoY0.0%

QoQ0.0%

5Y CAGR+3.4%

Northfield Bancorp, Inc. paid $0.13 per share in dividends in Q1 2026. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

42M

YoY-2.0%

QoQ0.0%

5Y CAGR-4.0%

10Y CAGR-1.5%

Northfield Bancorp, Inc. had 42M shares outstanding in Q1 2026. This represents a decrease of 2.0% from the same quarter a year earlier. It is unchanged from the prior quarter.

Margins & Returns

Net Margin

29.3%

YoY+6.7pp

QoQ+95.6pp

5Y change-14.3pp

10Y change+15.8pp

Northfield Bancorp, Inc.'s net profit margin was 29.3% in Q1 2026, showing the share of revenue converted to profit. This is up 6.7 percentage points from the same quarter a year earlier. Against the prior quarter it is up 95.6 percentage points.

Return on Equity

1.7%

YoY+0.6pp

QoQ+5.7pp

5Y change-0.8pp

10Y change+1.1pp

Northfield Bancorp, Inc.'s ROE was 1.7% in Q1 2026, measuring profit generated per dollar of shareholder equity. This is up 0.6 percentage points from the same quarter a year earlier. Against the prior quarter it is up 5.7 percentage points.

Gross Margin

Not reported for Q1 2026.

Operating Margin

Not reported for Q1 2026.

Capital Allocation

Share Buybacks

$447K

YoY-91.4%

QoQ+252.0%

5Y CAGR-46.4%

Northfield Bancorp, Inc. spent $447K on share buybacks in Q1 2026, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 91.4% from the same quarter a year earlier. Against the prior quarter it is up 252.0%.

Capital Expenditures

$188K

YoY-27.1%

QoQ-45.5%

5Y CAGR-8.5%

10Y CAGR+1.6%

Northfield Bancorp, Inc. invested $188K in capex in Q1 2026, funding long-term assets and infrastructure. This represents a decrease of 27.1% from the same quarter a year earlier. Against the prior quarter it is down 45.5%.

R&D Spending

Not reported for Q1 2026.

NFBK Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

NFBK quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$159.9M	$154.3M+17.5%	$131.3M-3.8%	$136.6M-17.9%	$166.3M-2.2%	$170.1M+20.4%	$141.3M+11.6%	$126.6M+6.1%	$119.4M-1.0%	$120.5M+6.3%	$113.4M+26.0%	$90.0M+6.1%	$84.8M-1.0%	$85.7M+10.6%	$77.5M+0.1%	$77.4M
SG&A Expenses	$52.3M	$51.4M+4.1%	$49.3M+6.1%	$46.5M+10.8%	$42.0M-3.9%	$43.7M+5.4%	$41.4M+4.7%	$39.6M+13.7%	$34.8M-9.0%	$38.2M-3.9%	$39.8M+33.7%	$29.8M+13.6%	$26.2M-3.5%	$27.1M+12.6%	$24.1M+11.4%	$21.6M
Interest Expense	$109.4M	$111.7M-9.5%	$123.4M+46.7%	$84.1M+293.5%	$21.4M+28.4%	$16.6M-56.6%	$38.3M-28.2%	$53.4M+48.0%	$36.0M+50.4%	$24.0M+10.7%	$21.7M+10.1%	$19.7M+28.2%	$15.4M-9.4%	$16.9M-25.2%	$22.6M-10.9%	$25.4M
Income Tax	$18.4M	$16.3M+54.0%	$10.6M-25.1%	$14.1M-40.6%	$23.7M-10.3%	$26.5M+103.1%	$13.0M+2.0%	$12.8M+32.8%	$9.6M-64.3%	$27.0M+97.4%	$13.7M+14.1%	$12.0M+1.0%	$11.9M+10.4%	$10.7M+20.4%	$8.9M+37.2%	$6.5M
Net Income	$4.8M	$796K-97.3%	$29.9M-20.5%	$37.7M-38.4%	$61.1M-13.5%	$70.7M+91.0%	$37.0M-8.1%	$40.2M+0.4%	$40.1M+61.8%	$24.8M-5.2%	$26.1M+33.8%	$19.5M-3.6%	$20.3M+5.8%	$19.1M+19.4%	$16.0M-4.7%	$16.8M
EPS (Basic)	N/A	$0.02-97.2%	$0.72-16.3%	$0.86-34.8%	$1.32-9.6%	$1.46+92.1%	$0.76-11.6%	$0.86-1.1%	$0.87+58.2%	$0.55-6.8%	$0.59+28.3%	$0.46+12.2%	$0.41+17.1%	$0.35+16.7%	$0.300.0%	$0.30
EPS (Diluted)	$0.13	$0.02-97.2%	$0.72-16.3%	$0.86-34.8%	$1.32-9.0%	$1.45+90.8%	$0.76-10.6%	$0.850.0%	$0.85+60.4%	$0.53-7.0%	$0.57+26.7%	$0.45+9.8%	$0.41+20.6%	$0.34+17.2%	$0.29-3.3%	$0.30
Diluted Shares (Avg)	N/A	40M-3.5%	42M-4.6%	44M-6.0%	46M-4.8%	49M-0.1%	49M+3.4%	47M+0.1%	47M+0.5%	47M+2.5%	46M+5.2%	43M-13.1%	50M-9.9%	56M+0.8%	55M-3.0%	57M

Metric	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q	Q2'2410-Q
Revenue	$40.4M+16.0%	$41.3M+12.7%	$39.2M+23.4%	$38.9M+23.4%	$34.8M+11.3%	$36.7M+12.7%	$31.8M0.0%	$31.5M-7.2%
SG&A Expenses	$12.7M+7.6%	$12.3M+5.0%	$13.5M+18.4%	$13.7M+2.5%	$11.8M-7.8%	$11.8M-3.5%	$11.4M+4.6%	$13.4M+8.4%
Interest Expense	$25.9M-8.3%	$27.0M-10.2%	$28.4M-8.5%	$28.0M-11.1%	$28.3M-8.0%	$30.0M+17.6%	$31.1M+34.9%	$31.5M+53.8%
Income Tax	$5.0M+72.1%	$5.0M+87.1%	$4.0M+70.7%	$4.3M+33.6%	$2.9M+26.7%	$2.7M-13.0%	$2.4M-17.8%	$3.2M-11.0%
Net Income	$11.8M+50.4%	-$27.4M-343.6%	$10.8M+64.8%	$9.6M+60.7%	$7.9M+26.7%	$11.3M+36.8%	$6.5M-20.3%	$6.0M-37.7%
EPS (Basic)	$0.30+57.9%	-$0.68-351.9%	$0.27+68.8%	$0.24+71.4%	$0.19+26.7%	$0.27+42.1%	$0.16-15.8%	$0.14-36.4%
EPS (Diluted)	$0.30+57.9%	-$0.68-351.9%	$0.27+68.8%	$0.24+71.4%	$0.19+26.7%	$0.27+42.1%	$0.16-15.8%	$0.14-36.4%
Diluted Shares (Avg)	40M-2.4%	N/A	40M-3.2%	40M-4.3%	41M-3.5%	N/A	41M-4.3%	42M-4.4%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

NFBK Balance Sheet

NFBK quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$5.8B+1.5%	$5.7B+1.2%	$5.6B-0.1%	$5.6B+3.1%	$5.4B-1.5%	$5.5B+9.1%	$5.1B+14.7%	$4.4B+10.4%	$4.0B+3.7%	$3.9B+20.2%	$3.2B+6.0%	$3.0B+11.8%	$2.7B-3.9%	$2.8B+18.4%	$2.4B
Cash & Equivalents	$164.0M-2.3%	$167.7M-26.9%	$229.5M+401.1%	$45.8M-49.7%	$91.1M+4.0%	$87.5M-40.8%	$147.8M+90.1%	$77.8M+34.4%	$57.8M-39.8%	$96.1M+85.3%	$51.9M-32.4%	$76.7M+25.3%	$61.2M-52.4%	$128.8M+97.3%	$65.3M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0-100.0%	$9.9M-2.1%	$10.1M-1.9%	$10.3M+186.7%	$3.6M	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$0-100.0%	$41.0M0.0%	$41.0M0.0%	$41.0M0.0%	$41.0M-0.7%	$41.3M+7.6%	$38.4M0.0%	$38.4M0.0%	$38.4M0.0%	$38.4M+137.7%	$16.2M0.0%	$16.2M0.0%	$16.2M0.0%	$16.2M0.0%	$16.2M
Total Liabilities	$5.1B+2.1%	$5.0B+1.3%	$4.9B0.0%	$4.9B+4.5%	$4.7B-1.5%	$4.8B+9.2%	$4.4B+16.5%	$3.7B+11.6%	$3.4B+3.8%	$3.2B+22.2%	$2.6B+8.9%	$2.4B+22.2%	$2.0B-17.2%	$2.4B+20.3%	$2.0B
Long-Term Debt	N/A	$666.4M-22.4%	$859.3M+47.2%	$583.9M+38.4%	$421.8M-28.7%	$591.8M-30.9%	$857.0M+109.6%	$408.9M-13.3%	$471.5M-0.4%	$473.2M-15.2%	$558.1M-28.3%	$778.7M+65.6%	$470.3M+12.2%	$419.1M-13.0%	$481.9M
Total Equity	$690.1M-2.1%	$704.7M+0.8%	$699.4M-0.3%	$701.4M-5.2%	$739.9M-1.9%	$754.0M+8.4%	$695.9M+4.4%	$666.4M+4.3%	$638.9M+2.8%	$621.2M+11.0%	$559.8M-5.7%	$593.9M-17.1%	$716.1M+72.6%	$414.9M+8.4%	$382.6M
Retained Earnings	$420.4M-4.6%	$440.8M+1.7%	$433.2M+3.6%	$418.4M+9.7%	$381.4M+12.8%	$338.1M+4.8%	$322.6M+6.6%	$302.5M+7.6%	$281.1M+4.8%	$268.2M+4.7%	$256.2M+2.9%	$248.9M+2.8%	$242.2M-3.1%	$249.9M+6.0%	$235.8M

Metric	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q	Q2'2410-Q
Total Assets	$5.7B+0.4%	$5.8B+1.5%	$5.7B-0.1%	$5.7B-1.2%	$5.7B-2.4%	$5.7B+1.2%	$5.7B+5.4%	$5.7B+3.7%
Cash & Equivalents	$239.6M+135.7%	$164.0M-2.3%	$131.7M-43.4%	$97.6M-36.4%	$101.7M-57.4%	$167.7M-26.9%	$232.9M+189.1%	$153.5M+72.2%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	N/A	$0-100.0%	$41.0M0.0%	$41.0M0.0%	$41.0M0.0%	$41.0M0.0%	$41.0M0.0%	$41.0M0.0%
Total Liabilities	$5.0B+0.8%	$5.1B+2.1%	$5.0B-0.5%	$5.0B-1.7%	$5.0B-3.0%	$5.0B+1.3%	$5.0B+5.9%	$5.1B+4.1%
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	$666.4M-22.4%	N/A	N/A
Total Equity	$694.7M-2.3%	$690.1M-2.1%	$719.6M+2.9%	$710.3M+2.5%	$711.1M+1.8%	$704.7M+0.8%	$699.6M+2.3%	$693.0M+0.9%
Retained Earnings	$427.0M-3.7%	$420.4M-4.6%	$453.0M+4.0%	$447.5M+3.0%	$443.2M+2.2%	$440.8M+1.7%	$435.5M+1.1%	$434.3M+1.5%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities.

NFBK Cash Flow Statement

NFBK quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$64.1M	$53.7M+72.6%	$31.1M-33.8%	$47.0M-43.6%	$83.3M+28.7%	$64.8M+17.3%	$55.2M+7.9%	$51.2M-3.1%	$52.8M+21.0%	$43.6M+15.7%	$37.7M+16.7%	$32.3M+25.7%	$25.7M-14.3%	$30.0M+7.3%	$28.0M+1.9%	$27.5M
Depreciation & Amortization	N/A	$3.2M-11.9%	$3.7M-3.6%	$3.8M+1.3%	$3.8M-8.0%	$4.1M-0.7%	$4.1M+6.8%	$3.9M+16.2%	$3.3M-7.3%	$3.6M-11.4%	$4.0M+12.1%	$3.6M-10.1%	$4.0M-0.6%	$4.0M+29.7%	$3.1M+28.8%	$2.4M
Stock-Based Compensation	N/A	$5.0M+17.5%	$4.2M-2.7%	$4.4M+5.7%	$4.1M+13.3%	$3.6M+13.4%	$3.2M-42.4%	$5.6M-28.2%	$7.8M-10.6%	$8.7M-9.1%	$9.6M+7.5%	$8.9M+91.1%	$4.7M-7.6%	$5.0M+28.9%	$3.9M+0.9%	$3.9M
Capital Expenditures	$1.1M	$1.1M-0.3%	$1.2M-68.0%	$3.6M+41.3%	$2.6M+55.8%	$1.6M-46.5%	$3.1M-15.6%	$3.6M+25.8%	$2.9M+39.4%	$2.1M+121.6%	$932K+16.2%	$802K-0.9%	$809K-72.3%	$2.9M-63.7%	$8.0M+32.1%	$6.1M
Free Cash Flow	$63.0M	$52.5M+75.4%	$30.0M-30.9%	$43.4M-46.3%	$80.8M+28.0%	$63.1M+21.0%	$52.2M+9.7%	$47.5M-4.8%	$49.9M+20.1%	$41.6M+13.0%	$36.8M+16.7%	$31.5M+26.5%	$24.9M-8.1%	$27.1M+35.9%	$19.9M-6.7%	$21.4M
Investing Cash Flow	$59.5M	-$128.4M-8.3%	-$118.5M-161.1%	$193.9M+169.2%	-$280.2M-429.7%	$85.0M+164.4%	-$131.9M+74.8%	-$522.7M-28.6%	-$406.4M-113.3%	-$190.5M-95.2%	-$97.6M	N/A	N/A	N/A	-$244.8M-2404.5%	$10.6M
Financing Cash Flow	$14.4M	$70.9M+176.5%	$25.6M+144.9%	-$57.1M-137.7%	$151.6M+203.7%	-$146.2M-989.6%	$16.4M-97.0%	$541.6M+45.0%	$373.5M+243.7%	$108.7M+4.3%	$104.1M	N/A	N/A	N/A	$280.3M+1782.0%	-$16.7M
Dividends Paid	$21.0M	$21.2M-3.1%	$21.8M-4.3%	$22.8M-5.5%	$24.1M-0.7%	$24.3M+13.1%	$21.5M+6.3%	$20.2M+8.2%	$18.7M+19.3%	$15.6M+11.2%	$14.1M+15.5%	$12.2M-5.4%	$12.9M-52.0%	$26.9M+1459.8%	$1.7M-53.5%	$3.7M
Share Buybacks	$10.6M	$15.4M-17.8%	$18.7M-49.8%	$37.2M+20.4%	$30.9M-42.1%	$53.3M+412.5%	$10.4M-34.2%	$15.8M+316200.0%	$5K	$0-100.0%	$2.2M-95.5%	$48.4M-65.1%	$138.7M+3723.1%	$3.6M-16.5%	$4.3M-88.5%	$37.8M

Metric	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q	Q2'2410-Q
Operating Cash Flow	$19.8M+109.8%	$16.2M+170.6%	$13.9M-0.3%	$14.1M+104.4%	$9.4M+122.5%	$6.0M-58.0%	$14.0M+19.7%	$6.9M+111.5%
Stock-Based Compensation	$867K-18.2%	N/A	$754K+5.2%	$784K+165.8%	$1.1M+17.4%	N/A	$717K+24.3%	$295K-41.8%
Capital Expenditures	$188K-27.1%	$345K+42.6%	$327K+48.6%	$220K-8.7%	$258K-42.8%	$242K-84.2%	$220K-57.2%	$241K-70.7%
Free Cash Flow	$19.6M+113.7%	$15.9M+176.0%	$13.6M-1.1%	$13.9M+108.5%	$9.2M+142.2%	$5.8M-54.9%	$13.7M+23.2%	$6.7M+172.7%
Investing Cash Flow	$81.5M+176.6%	-$37.9M-552.3%	-$8.2M-108.0%	$24.1M+1.4%	-$106.3M+55.6%	-$5.8M-22.9%	$102.9M+11.8%	$23.8M-57.7%
Financing Cash Flow	-$25.6M-183.0%	$53.9M+182.5%	$28.4M+175.7%	-$42.3M+63.5%	$30.8M-87.4%	-$65.4M-146.9%	-$37.5M+66.6%	-$116.0M+10.3%
Dividends Paid	$5.3M-2.0%	$5.2M-2.9%	$5.3M-2.1%	$5.3M-4.1%	$5.4M-3.2%	$5.4M-3.0%	$5.4M-3.5%	$5.5M-4.5%
Share Buybacks	$447K-91.4%	$127K+12600.0%	$0-100.0%	$10.0M+15.5%	$5.2M+57.7%	$1K-100.0%	$6.7M+112.3%	$8.7M-35.0%

Not reported in any period shown, so not listed: Depreciation & Amortization.

NFBK Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

NFBK quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	0.5%-22.3pp	22.8%-4.8pp	27.6%-9.2pp	36.8%-4.8pp	41.5%+15.4pp	26.2%-5.6pp	31.8%-1.8pp	33.6%+13.0pp	20.5%-2.5pp	23.1%+1.3pp	21.7%-2.2pp	23.9%+1.5pp	22.4%+1.7pp	20.7%-1.0pp	21.7%
Return on Equity	0.1%-4.1pp	4.3%-1.1pp	5.4%-3.3pp	8.7%-0.8pp	9.6%+4.6pp	4.9%-0.9pp	5.8%-0.2pp	6.0%+2.1pp	3.9%-0.3pp	4.2%+0.7pp	3.5%+0.1pp	3.4%+0.7pp	2.7%-1.2pp	3.9%-0.5pp	4.4%
Return on Assets	0.0%-0.5pp	0.5%-0.1pp	0.7%-0.4pp	1.1%-0.2pp	1.3%+0.6pp	0.7%-0.1pp	0.8%-0.1pp	0.9%+0.3pp	0.6%-0.1pp	0.7%+0.1pp	0.6%-0.1pp	0.7%0.0pp	0.7%+0.1pp	0.6%-0.1pp	0.7%
Debt-to-Equity	7.34+6.4x	0.95-0.3x	1.23+0.4x	0.83+0.3x	0.57-0.2x	0.78-0.4x	1.23+0.6x	0.61-0.1x	0.740.0x	0.76-0.2x	1.00-0.3x	1.31+0.7x	0.66-0.4x	1.01-0.2x	1.26
Asset Turnover	0.030.0x	0.020.0x	0.020.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.03
FCF Margin	34.1%+11.2pp	22.8%-8.9pp	31.8%-16.8pp	48.6%+11.5pp	37.1%+0.2pp	36.9%-0.6pp	37.5%-4.3pp	41.8%+7.3pp	34.5%+2.1pp	32.4%-2.6pp	35.0%+5.7pp	29.4%-2.3pp	31.6%+5.9pp	25.7%-1.9pp	27.6%

Metric	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q	Q2'2410-Q
Net Margin	29.3%+6.7pp	-66.3%-96.9pp	27.4%+6.9pp	24.6%+5.7pp	22.6%+2.7pp	30.7%+5.4pp	20.5%-5.2pp	18.9%-9.3pp
Return on Equity	1.7%+0.6pp	-4.0%-5.6pp	1.5%+0.6pp	1.4%+0.5pp	1.1%+0.2pp	1.6%+0.4pp	0.9%-0.3pp	0.9%-0.5pp
Return on Assets	0.2%+0.1pp	-0.5%-0.7pp	0.2%+0.1pp	0.2%+0.1pp	0.1%0.0pp	0.2%+0.1pp	0.1%0.0pp	0.1%-0.1pp
Debt-to-Equity	7.26+0.2x	7.34+6.4x	6.96-0.2x	7.00-0.3x	7.03-0.3x	0.95-0.3x	7.19+0.2x	7.29+0.2x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	48.5%+22.2pp	38.4%+22.7pp	34.6%-8.6pp	35.7%+14.6pp	26.3%+14.2pp	15.7%-23.5pp	43.2%+8.2pp	21.1%+13.9pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Northfield Bancorp, Inc. NFBK	FY2025	$154.3M	$796K	0.5%	$639.4M	29/100
Arrow Financial Corp AROW	FY2025	$139.5M	$44.0M	31.5%	$723.7M	29/100
Bar Harbor Bankshares BHB	FY2025	$168.9M	$36.9M	21.9%	$677.3M	47/100
Unity Bancorp UNTY	FY2025	$131.8M	$58.0M	44.0%	$593.4M	62/100
Flushing Financial Corp FFIC	FY2025	$238.9M	$18.9M	7.9%	$524.2M	27/100
ACNB Corp ACNB	FY2025	$191.8M	$37.1M	19.3%	$661.2M	67/100

Where Northfield Bancorp, Inc. Ranks

Frequently Asked Questions

What is Northfield Bancorp, Inc.'s annual revenue?

Northfield Bancorp, Inc. (NFBK) reported $154.3M in total revenue for fiscal year 2025. This represents a 17.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Northfield Bancorp, Inc.'s revenue growing?

Northfield Bancorp, Inc. (NFBK) revenue grew by 17.5% year-over-year, from $131.3M to $154.3M in fiscal year 2025.

Is Northfield Bancorp, Inc. profitable?

Yes, Northfield Bancorp, Inc. (NFBK) reported a net income of $796K in fiscal year 2025, with a net profit margin of 0.5%.

What is Northfield Bancorp, Inc.'s net profit margin?

Northfield Bancorp, Inc. (NFBK) had a net profit margin of 0.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Northfield Bancorp, Inc. pay dividends?

Yes, Northfield Bancorp, Inc. (NFBK) paid $0.52 per share in dividends during fiscal year 2025.

What is Northfield Bancorp, Inc.'s return on equity (ROE)?

Northfield Bancorp, Inc. (NFBK) has a return on equity of 0.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Northfield Bancorp, Inc.'s free cash flow?

Northfield Bancorp, Inc. (NFBK) generated $52.5M in free cash flow during fiscal year 2025. This represents a 75.4% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Northfield Bancorp, Inc.'s operating cash flow?

Northfield Bancorp, Inc. (NFBK) generated $53.7M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Northfield Bancorp, Inc.'s total assets?

Northfield Bancorp, Inc. (NFBK) had $5.8B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Northfield Bancorp, Inc.'s capital expenditures?

Northfield Bancorp, Inc. (NFBK) invested $1.1M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Northfield Bancorp, Inc. buy back shares?

Yes, Northfield Bancorp, Inc. (NFBK) spent $15.4M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Northfield Bancorp, Inc. have outstanding?

Northfield Bancorp, Inc. (NFBK) had 42M shares outstanding as of fiscal year 2025.

What is Northfield Bancorp, Inc.'s debt-to-equity ratio?

Northfield Bancorp, Inc. (NFBK) had a debt-to-equity ratio of 7.34 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Northfield Bancorp, Inc.'s return on assets (ROA)?

Northfield Bancorp, Inc. (NFBK) had a return on assets of 0.0% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Northfield Bancorp, Inc.'s Piotroski F-Score?

Northfield Bancorp, Inc. (NFBK) has a Piotroski F-Score of 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Northfield Bancorp, Inc.'s earnings high quality?

Northfield Bancorp, Inc. (NFBK) reported $796K of net income while generating $53.7M in operating cash flow. The ratio between the two is outside the range this page publishes as a per-dollar figure, so both figures are given instead. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Northfield Bancorp, Inc.?

Northfield Bancorp, Inc. (NFBK) scores 29 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.