What is Northfield Banco's earnings per share (EPS)?

Northfield Banco (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 Banco Financials

NFBK

Source SEC Filings (10-K/10-Q) Data as of Mar 31, 2026 Currency USD FYE December

This page shows Northfield Banco (NFBK) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 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 2026-04-28

Northfield’s earnings engine has weakened even as the balance sheet stayed full-sized and cash generation held up.

From FY2023 to FY2025, net income collapsed from $37.7M to $796K even though the bank did not materially shrink. Operating cash flow stayed positive while return on equity slid from 5.4% to 0.1%, which means cash earnings and accounting earnings separated and each dollar of equity produced far less profit.

Northfield kept returning capital through buybacks and a steady dividend of $0.52 per share, but FY2025 dividends paid of $21.2M were far above that year's profit. Retained earnings fell from $440.8M to $420.4M, showing that distributions were not being replenished by current earnings.

This is a liability-funded balance sheet, not a cash-hoard story: cash and equivalents were $164.0M against total assets of $5.8B. With liabilities at about 7.3x equity, small shifts in funding costs or asset yields can materially change reported returns even when asset size barely moves.

Financial Health Signals

Financial Health Score 27/100

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 Banco'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

Growth

Capital

Efficiency

Stability

Piotroski F-Score Partial

5/6

Northfield Banco 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

67.46x

For every $1 of reported earnings, Northfield Banco generates $67.46 in operating cash flow ($53.7M OCF vs $796K net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

Export CSV

Earnings & Revenue

Revenue

$6.9M

YoY+6.8%

5Y CAGR+11.6%

10Y CAGR-23.6%

Northfield Banco generated $6.9M in revenue in fiscal year 2025. This represents an increase of 6.8% from the prior year.

EBITDA

N/A

Net Income

$796K

YoY-97.3%

5Y CAGR-53.6%

10Y CAGR-27.4%

Northfield Banco reported $796K in net income in fiscal year 2025. This represents a decrease of 97.3% from the prior year.

EPS (Diluted)

$0.02

YoY-97.2%

5Y CAGR-51.7%

10Y CAGR-26.8%

Northfield Banco earned $0.02 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 97.2% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$52.5M

YoY+75.4%

5Y CAGR+0.2%

10Y CAGR+5.2%

Northfield Banco generated $52.5M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 75.4% from the prior year.

Cash & Debt

$164.0M

YoY-2.3%

5Y CAGR+13.4%

10Y CAGR+12.2%

Northfield Banco held $164.0M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.52

YoY+0.0%

5Y CAGR+3.4%

10Y CAGR+6.4%

Northfield Banco paid $0.52 per share in dividends in fiscal year 2025. This represents an increase of 0.0% from the prior year.

Shares Outstanding

42M

YoY-2.6%

5Y CAGR-4.3%

10Y CAGR-0.9%

Northfield Banco had 42M shares outstanding in fiscal year 2025. This represents a decrease of 2.6% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

11.6%

YoY-454.1pp

5Y CAGR-920.8pp

10Y CAGR-7.6pp

Northfield Banco's net profit margin was 11.6% in fiscal year 2025, showing the share of revenue converted to profit. This is down 454.1 percentage points from the prior year.

Return on Equity

0.1%

YoY-4.1pp

5Y CAGR-4.8pp

10Y CAGR-3.4pp

Northfield Banco's ROE was 0.1% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 4.1 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$15.4M

YoY-17.8%

5Y CAGR+8.1%

10Y CAGR-10.9%

Northfield Banco spent $15.4M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 17.8% from the prior year.

Capital Expenditures

$1.1M

YoY-0.3%

5Y CAGR-17.8%

10Y CAGR+3.7%

Northfield Banco invested $1.1M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 0.3% from the prior year.

NFBK Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$6.9M+6.8%	$6.4M+17.4%	$5.5M-4.0%	$5.7M+5.8%	$5.4M+36.0%	$4.0M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$51.4M+4.1%	$49.3M+6.1%	$46.5M+10.8%	$42.0M-3.9%	$43.7M+5.4%	$41.4M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$111.7M-9.5%	$123.4M+46.7%	$84.1M+293.5%	$21.4M+28.4%	$16.6M-56.6%	$38.3M
Income Tax	$16.3M+54.0%	$10.6M-25.1%	$14.1M-40.6%	$23.7M-10.3%	$26.5M+103.1%	$13.0M
Net Income	$796K-97.3%	$29.9M-20.5%	$37.7M-38.4%	$61.1M-13.5%	$70.7M+91.0%	$37.0M
EPS (Diluted)	$0.02-97.2%	$0.72-16.3%	$0.86-34.8%	$1.32-9.0%	$1.45+90.8%	$0.76

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$1.7M-3.6%	$1.8M-1.1%	$1.8M+6.4%	$1.7M+4.0%	$1.6M-0.9%	$1.6M+1.4%	$1.6M+2.6%	$1.6M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$12.7M+2.7%	$12.3M-8.7%	$13.5M-1.5%	$13.7M+16.6%	$11.8M+0.1%	$11.8M+2.9%	$11.4M-14.7%	$13.4M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$25.9M-3.8%	$27.0M-5.2%	$28.4M+1.4%	$28.0M-1.0%	$28.3M-5.8%	$30.0M-3.4%	$31.1M-1.4%	$31.5M
Income Tax	$5.0M+0.4%	$5.0M+24.0%	$4.0M-6.0%	$4.3M+47.1%	$2.9M+9.2%	$2.7M+13.1%	$2.4M-26.4%	$3.2M
Net Income	$11.8M+143.2%	-$27.4M-354.9%	$10.8M+12.3%	$9.6M+21.5%	$7.9M-30.0%	$11.3M+72.5%	$6.5M+9.5%	$6.0M
EPS (Diluted)	$0.30	N/A	$0.27+12.5%	$0.24+26.3%	$0.19	N/A	$0.16+14.3%	$0.14

NFBK Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$5.8B+1.5%	$5.7B+1.2%	$5.6B-0.1%	$5.6B+3.1%	$5.4B-1.5%	$5.5B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$164.0M-2.3%	$167.7M-26.9%	$229.5M+401.1%	$45.8M-49.7%	$91.1M+4.0%	$87.5M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$0-100.0%	$41.0M0.0%	$41.0M0.0%	$41.0M0.0%	$41.0M-0.7%	$41.3M
Total Liabilities	$5.1B+2.1%	$5.0B+1.3%	$4.9B0.0%	$4.9B+4.5%	$4.7B-1.5%	$4.8B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	$666.4M-22.4%	$859.3M+47.2%	$583.9M+38.4%	$421.8M-28.7%	$591.8M
Total Equity	$690.1M-2.1%	$704.7M+0.8%	$699.4M-0.3%	$701.4M-5.2%	$739.9M-1.9%	$754.0M
Retained Earnings	$420.4M-4.6%	$440.8M+1.7%	$433.2M+3.6%	$418.4M+9.7%	$381.4M+12.8%	$338.1M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$5.7B-0.3%	$5.8B+0.5%	$5.7B+0.8%	$5.7B-0.5%	$5.7B+0.8%	$5.7B-1.1%	$5.7B-0.3%	$5.7B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$239.6M+46.1%	$164.0M+24.5%	$131.7M+34.9%	$97.6M-4.0%	$101.7M-39.4%	$167.7M-28.0%	$232.9M+51.8%	$153.5M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	$0-100.0%	$41.0M0.0%	$41.0M0.0%	$41.0M0.0%	$41.0M0.0%	$41.0M0.0%	$41.0M
Total Liabilities	$5.0B-0.5%	$5.1B+1.2%	$5.0B+0.7%	$5.0B-0.6%	$5.0B+0.7%	$5.0B-1.4%	$5.0B-0.4%	$5.1B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	$666.4M	N/A	N/A
Total Equity	$694.7M+0.7%	$690.1M-4.1%	$719.6M+1.3%	$710.3M-0.1%	$711.1M+0.9%	$704.7M+0.7%	$699.6M+0.9%	$693.0M
Retained Earnings	$427.0M+1.6%	$420.4M-7.2%	$453.0M+1.2%	$447.5M+1.0%	$443.2M+0.6%	$440.8M+1.2%	$435.5M+0.3%	$434.3M

NFBK Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$53.7M+72.6%	$31.1M-33.8%	$47.0M-43.6%	$83.3M+28.7%	$64.8M+17.3%	$55.2M
Capital Expenditures	$1.1M-0.3%	$1.2M-68.0%	$3.6M+41.3%	$2.6M+55.8%	$1.6M-46.5%	$3.1M
Free Cash Flow	$52.5M+75.4%	$30.0M-30.9%	$43.4M-46.3%	$80.8M+28.0%	$63.1M+21.0%	$52.2M
Investing Cash Flow	-$128.4M-8.3%	-$118.5M-161.1%	$193.9M+169.2%	-$280.2M-429.7%	$85.0M+164.4%	-$131.9M
Financing Cash Flow	$70.9M+176.5%	$25.6M+144.9%	-$57.1M-137.7%	$151.6M+203.7%	-$146.2M-989.6%	$16.4M
Dividends Paid	$21.2M-3.1%	$21.8M-4.3%	$22.8M-5.5%	$24.1M-0.7%	$24.3M+13.1%	$21.5M
Share Buybacks	$15.4M-17.8%	$18.7M-49.8%	$37.2M+20.4%	$30.9M-42.1%	$53.3M+412.5%	$10.4M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$19.8M+21.9%	$16.2M+16.6%	$13.9M-1.4%	$14.1M+49.8%	$9.4M+57.2%	$6.0M-57.1%	$14.0M+102.0%	$6.9M
Capital Expenditures	$188K-45.5%	$345K+5.5%	$327K+48.6%	$220K-14.7%	$258K+6.6%	$242K+10.0%	$220K-8.7%	$241K
Free Cash Flow	$19.6M+23.4%	$15.9M+16.8%	$13.6M-2.2%	$13.9M+51.7%	$9.2M+59.3%	$5.8M-58.1%	$13.7M+106.0%	$6.7M
Investing Cash Flow	$81.5M+314.7%	-$37.9M-362.5%	-$8.2M-134.0%	$24.1M+122.7%	-$106.3M-1728.2%	-$5.8M-105.7%	$102.9M+332.4%	$23.8M
Financing Cash Flow	-$25.6M-147.5%	$53.9M+90.1%	$28.4M+167.1%	-$42.3M-237.1%	$30.8M+147.2%	-$65.4M-74.5%	-$37.5M+67.7%	-$116.0M
Dividends Paid	$5.3M+1.4%	$5.2M-1.0%	$5.3M-0.7%	$5.3M-1.7%	$5.4M+0.4%	$5.4M-0.2%	$5.4M-2.7%	$5.5M
Share Buybacks	$447K+252.0%	$127K	$0-100.0%	$10.0M+91.4%	$5.2M+522300.0%	$1K-100.0%	$6.7M-22.5%	$8.7M

NFBK Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	11.6%-454.1pp	465.7%-221.8pp	687.5%-383.8pp	1071.3%-238.5pp	1309.9%+377.5pp	932.4%
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%
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%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	7.34+6.4	0.95-0.3	1.23+0.4	0.83+0.3	0.57-0.2	0.78
FCF Margin	764.9%+299.1pp	465.8%-325.7pp	791.5%-624.5pp	1415.9%+245.7pp	1170.2%-144.5pp	1314.7%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	693.0%+2238.5pp	-1545.5%-2145.5pp	599.9%+31.9pp	568.0%+81.8pp	486.2%-202.4pp	688.6%+283.7pp	404.9%+25.5pp	379.4%
Return on Equity	1.7%+5.7pp	-4.0%-5.5pp	1.5%+0.1pp	1.4%+0.2pp	1.1%-0.5pp	1.6%+0.7pp	0.9%+0.1pp	0.9%
Return on Assets	0.2%+0.7pp	-0.5%-0.7pp	0.2%+0.0pp	0.2%+0.0pp	0.1%-0.1pp	0.2%+0.1pp	0.1%+0.0pp	0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	7.26-0.1	7.34+0.4	6.96-0.0	7.00-0.0	7.03+6.1	0.95-6.2	7.19-0.1	7.29
FCF Margin	1146.4%+250.6pp	895.8%+137.2pp	758.6%-66.6pp	825.2%+259.2pp	565.9%+213.8pp	352.1%-500.8pp	853.0%+428.1pp	424.8%

Similar Companies

Arrow Finl Corp AROW

$686.9M

Bar Harbor Bk BHB

$639.2M

Unity Bancorp UNTY

$574.8M

Flushing Finl Corp FFIC

$524.2M

Acnb Corp ACNB

$617.3M

Frequently Asked Questions

What is Northfield Banco's annual revenue?

Northfield Banco (NFBK) reported $6.9M in total revenue for fiscal year 2025. This represents a 6.8% 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 Banco's revenue growing?

Northfield Banco (NFBK) revenue grew by 6.8% year-over-year, from $6.4M to $6.9M in fiscal year 2025.

Is Northfield Banco profitable?

Yes, Northfield Banco (NFBK) reported a net income of $796K in fiscal year 2025, with a net profit margin of 11.6%.

What is Northfield Banco's net profit margin?

Northfield Banco (NFBK) had a net profit margin of 11.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Northfield Banco pay dividends?

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

What is Northfield Banco's return on equity (ROE)?

Northfield Banco (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 Banco's free cash flow?

Northfield Banco (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 Banco's operating cash flow?

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

What are Northfield Banco's total assets?

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

What are Northfield Banco's capital expenditures?

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

Does Northfield Banco buy back shares?

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

How many shares does Northfield Banco have outstanding?

Northfield Banco (NFBK) had 42M shares outstanding as of fiscal year 2025.

What is Northfield Banco's debt-to-equity ratio?

Northfield Banco (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 Banco's return on assets (ROA)?

Northfield Banco (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 Banco's Piotroski F-Score?

Northfield Banco (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 Banco's earnings high quality?

Northfield Banco (NFBK) has an earnings quality ratio of 67.46x, considered cash-backed (high quality). 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 Banco?

Northfield Banco (NFBK) scores 27 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.