Obermatt

Northfield Bancorp

NSQ:NFBK · US66611T1088
BanksSmall

360

9
Profit price1
Cash yield91
Price/Sales27
EV / Gross Profit13
Price/Book78
Returns on capital6
Profit margins
Cash Conversion100
Accruals79
Owner Earnings Margin6
Sales growth40
Profit Growth42
Owner Earnings Growth1
Reinvestment24
Price momentum37
Debt load6
Debt serviceability90
Liquidity26
Analyst ratings1
Opinion Changes50
Price Target Upside15
Market mood90
Value Creation13/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Northfield Bancorp clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQGS
ISINUS66611T1088
Last UpdateApr 2, 2026

Description

Northfield Bancorp, Inc. (Staten Island, NY) (Northfield Bancorp) operates as a holding company for Northfield Bank (the bank) that provides a full range of banking services primarily to individuals and corporate customers in Richmond and Kings count…

Analysis

Deep value

Northfield Bancorp, Inc. looks superficially cheap, but weak underlying metrics raise the question of whether this is value or a trap.

On valuation, the picture is expensive. The owner-earnings multiple stands at 89.3×; owner earnings: the cash an owner could take out each year.

Growth is moderate; the safety picture is adequate. The company scores 13/20 on our value-creation score: creating some value. Analyst sentiment is cautious.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
64
2023202420252026

All-time high

73

Mar 2026

All-time low

20

Jan 2024

Average rank

45

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
27
15
11
10
Price/Earnings
55
25
14
29
Price/Book
78
79
66
38
Dividend Yield
91
82
78
65
Value (overall)
83
37
20
11

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →