NORTHFIELD BANCORP INC (NFBK)

Financials · Community banking / Regional savings bank · NASDAQ

Northfield Bancorp is a New Jersey-based community savings bank focused on commercial and multifamily real estate lending and retail banking services.

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What NORTHFIELD BANCORP INC does

Northfield Bancorp is the holding company for Northfield Bank, a federally chartered savings bank operating primarily in Staten Island, New York, and various counties in New Jersey. The company provides a range of financial services including commercial and multifamily real estate lending, residential mortgage loans, and diverse deposit products for consumers and businesses. It conducts operations through 37 branch offices and select internet-based channels.

Themes: community banking, commercial real estate lending, multifamily real estate finance, mergers and acquisitions, retail deposit banking

Fundamentals

Price$15.31 as of 2026-07-28 close
Market cap$639M as of 2026-07-28
1-year return+39.2% 2025-07-28 close $11.00 → 2026-07-28 close $15.31
P/E134.24 as of 2026-08-24
Net margin+29.7% as of 2026-08-24
ROE+0.7% as of 2026-08-24
Debt / equity1.24 as of 2026-08-24
Revenue growth (YoY)+17.5% as of 2026-08-24
Revenue CAGR (3y)+6.4% SEC XBRL
Beta0.04 as of 2026-08-24
Last reported earnings2026-04-21 SEC EDGAR Form 8-K (Item 2.02)

Dividend: yield +3.5%; at least 5 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.

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How NFBK compares in its sector

price-to-earnings ratiotop 10% 525 covered Financials peers, as of 2026-08-24
net profit marginmiddle range 538 covered Financials peers, as of 2026-08-24
operating margintop 25% 534 covered Financials peers, as of 2026-08-24
return on equitybottom 25% 575 covered Financials peers, as of 2026-08-24
3-year revenue CAGRmiddle range 347 covered Financials peers
indicated dividend yieldmiddle range 453 covered Financials peers, as of 2026-08-24
free cash flow (absolute dollars, latest fiscal year)middle range 431 covered Financials peers, as of FY2025

Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.

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Dividend coverage (FY2025)

Exceeded at least one reported measure. In FY2025, NFBK's dividend exceeded at least one reported measure of what it earned or generated (earnings payout 2657%, free-cash-flow payout 40%). A payout above 100% in one year is not necessarily unsustainable, but it is not fully covered by that measure.

Earnings payout2657% dividends / net income
Free-cash-flow payout40% dividends / (operating cash flow − capex)

Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.

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Analyst consensus

Consensus ratingHold (3.00 mean, 1=Strong Buy…5=Strong Sell) — 1 analyst
Mean price target$14.50 range $14.50 – $14.50

Analyst estimates, as of 2026-08-15. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.

Analyst EPS estimate for NFBK

Consensus EPS estimate$0.34 next reporting period, as of 2026-08-15

Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.

The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.

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Key risks (from latest filing)

["Concentration risk in multifamily and commercial real estate lending exposes the bank to real estate market downturns in its New York and New Jersey footprint","Interest rate sensitivity and compressed net interest margin as deposit costs rose (interest expense on deposits nearly halved from 2025 to 2026 suggesting deposit competition pressures)","Merger risk and integration uncertainty; Company entered definitive merger agreement with Columbia Financial on January 31, 2026, subject to regulatory approval and conditions including mutual holding company conversion"]

See NFBK's biggest risks from its latest 10-Q →

Insider activity (SEC Form 4)

No open-market insider purchases or sales are on record for NFBK — recent Form 4 activity was compensation-related (awards, option exercises, or tax withholding), not open-market buying or selling.

View full insider trading history → View SEC Form 3/4/5 filings

Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.

Institutional ownership (13F)

5 institutional 13F filers reported holding NFBK as of 2026-03-31 (quarter-end position, filed within 45 days).

Distinct 13F filers 5
Reported shares held 7,967,996
Reported value $107,886,673

reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 2 increased, 3 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".

Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.

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Short interest (FINRA)

NFBK had 1,263,598 shares of reported short interest as of the 2026-07-15 FINRA settlement date (delayed, bi-monthly; not real-time).

NFBK had 3.03% of its shares outstanding sold short as of the 2026-07-15 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 3.59 days to cover at the same settlement.

Reported short interest (shares) 1,263,598
Short interest (% of shares outstanding) 3.03%
Prior settlement (shares) 1,375,040
Reported change -8.1%
Days to cover (reported) 3.59

Reported to FINRA as of the 2026-07-15 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.

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Competitors & peers

Valley National Bancorp (VLY)
Investors Bancorp (now part of Citizens Financial Group (CFG))
Kearny Financial Corp. (KRNY)
Provident Financial Services (PFS)
Lakeland Bancorp (LBAI)
Columbia Financial, Inc. (CLBK)

AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.

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Frequently asked questions

What does NORTHFIELD BANCORP INC (NFBK) do?

What sector is NORTHFIELD BANCORP INC (NFBK) in?

NORTHFIELD BANCORP INC (NFBK) is classified in the Financials sector. Its industry is Community banking / Regional savings bank. It trades on NASDAQ.

Does NFBK pay a dividend?

Yes — NORTHFIELD BANCORP INC (NFBK) pays a dividend, with an indicated yield of about 3.50% and at least 5 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-08-24). Informational only — not financial advice.

Who are NORTHFIELD BANCORP INC's (NFBK) competitors?

Notable peers of NORTHFIELD BANCORP INC (NFBK) include Valley National Bancorp, Investors Bancorp (now part of Citizens Financial Group (CFG)), Kearny Financial Corp., Provident Financial Services and Lakeland Bancorp. This peer set is informational only — not financial advice.

Where does stocks-llm's data on NFBK come from?

Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.

Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.

Last updated 2026-07-28.

Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.