NFBK

Northfield Bancorp, Inc. (Staten Island, NY)

$11.56

0.3

(2.66%)

Exchange:	NASDAQ
Market Cap:	492.758M
Shares Outstanding:	427.664M

Overview

Earnings

Financials

Valuation

Chart

About The Company

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.

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Revenue Segmentation

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EPS

View full analyst estimates

Earnings Call

No transcript or summary available for this symbol.

Income Statement

Balance Sheet

Cash Flow Statement

Analyst Estimates

Income Statement

(* All numbers are in thousands)

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Revenue	89,968	113,376	120,535	119,369	126,593	141,280	170,102	166,289	136,563	237,908
? Cost Of Revenue	0	0	0	0	0	0	0	0	1,353	0
? Gross Profit	89,968	113,376	120,535	119,369	126,593	141,280	170,102	166,289	135,210	237,908
? Research And Development Expenses	0	0	0	0	0	0	0	0	0	0
? General And Administrative Expenses	31,310	41,274	39,301	35,867	40,134	42,322	45,042	43,368	48,827	3,195
? Selling And Marketing Expenses	0	1,885	1,861	2,726	3,442	2,088	2,358	2,159	2,171	1,569
? Operating Expenses	3,037	3,461	2,774	-33,608	-73,571	-91,255	-72,975	6,005	136,563	4,764
? Net Interest Income	0	0	0	0	0	0	0	0	0	0
? Interest Income	100,609	123,801	131,408	145,609	163,525	166,320	171,019	178,514	205,682	0
? Interest Expense	19,688	21,668	23,976	36,050	53,358	38,337	16,649	21,382	84,128	123,423
? Depreciation And Amortization	3,595	4,038	3,615	3,346	3,834	4,107	4,089	3,819	0	0
? EBITDA	35,101	43,833	55,361	53,057	61,925	58,718	105,611	93,304	0	0
? EBIT
? Operating Income	51,194	61,463	75,722	85,761	53,022	50,025	97,127	106,241	51,760	233,144
? Income Before Tax	31,506	39,795	51,746	49,711	53,022	50,025	97,127	84,859	51,760	40,501
? Income Tax Expense	11,975	13,665	26,978	9,632	12,787	13,037	26,473	23,740	14,091	10,556
? Net Income From Continuing Operations
? Net Income	19,531	26,130	24,768	40,079	40,235	36,988	70,654	61,119	37,669	29,945
? EPS (Earnings Per Share)	0.460	0.590	0.550	0.870	0.860	0.760	1.460	1.320	0.860	0.720
? EPS Diluted	0.450	0.570	0.530	0.850	0.850	0.760	1.450	1.320	0.860	0.720
? Weighted Average Shares Outstanding	42,285.712	44,374.389	45,325.445	46,319.760	46,783.442	48,721.504	48,416.495	46,234.122	43,560.844	41,567.370
? Weighted Average Shares Outstanding Diluted	43,478.481	45,717.887	46,875.730	47,107.433	47,163.804	48,785.963	48,754.263	46,438.119	43,638.616	41,628.660
	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD

Balance Sheet

(* All numbers are in thousands)

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Cash And Cash Equivalents	51,853	96,085	57,839	77,762	147,818	87,544	91,068	45,799	229,506	167,744
? Short Term Investments	541,595	498,897	515,121	808,031	1,138,352	1,264,805	1,208,237	952,173	795,464	1,100,817
? Cash And Short Term Investments	593,448	594,982	572,960	885,793	1,286,170	1,352,349	1,299,305	997,972	809,353	1,113,860
? Net Receivables	8,263	9,714	10,713	12,959	14,609	14,690	14,572	17,426	18,491	19,078
? Accounts Receivables										19,078
? Inventory	0	0	0	0	-173,649	-114,525	-119,101	-73,976	0	0
? Total Current Assets	2,604,128	3,267,871	3,392,611	3,516,632	1,300,779	1,367,039	1,313,877	1,015,398	827,844	1,132,938
? Property Plant Equipment Net	23,643	26,910	25,746	25,605	65,163	64,929	59,880	59,132	54,973	49,756
? Goodwill	16,159	38,411	38,411	38,411	38,411	41,320	41,012	41,012	41,012	41,012
? Intangible Assets	0	0	0	0	0	0	0	0	0	0
? Long Term Investments	558,654	516,902	534,649	827,784	1,161,677	1,284,583	1,232,323	984,127	828,508	0
? Total Non Current Assets	598,456	582,223	598,806	891,800	1,265,251	1,390,832	1,333,215	1,084,271	5,340,563.999	122,977
? Total Assets	3,202,584	3,850,094	3,991,417	4,408,432	5,055,302	5,514,544	5,430,542	5,601,293	5,598,396	5,666,378
? Account Payables	0	0	0	0	0	0	0	0	0	0
? Short Term Debt	0	0	0	0	0	0	0	0	0	0
? Deferred Revenue	0	0	0	0	0	0	0	0	0	0
? Total Current Liabilities	11,717	559,184	1,844,015	1,724,217	1,699,659	2,495,590.789	2,682,890	2,533,883	18,826	0
? Long Term Debt	495,129	465,206	469,549	408,891	826,073	559,523	411,606	659,645	836,196	727,844
? Deferred Revenue Non Current	0	-44,703	-47,196	-48,920	821,794	552,199	408,189	-2,950	0	0
? Deferred Tax Liabilities Non Current	0	2,598	3,184	2,330	4,279	7,324	3,417	2,950	0	0
? Total Non Current Liabilities	495,129	465,206	469,549	408,891	826,073	559,523	411,606	4,899,903	4,880,125	727,844
? Total Liabilities	2,642,805	3,228,898	3,352,540	3,741,993	826,073	559,523	411,606	4,899,903	4,898,951	4,961,682
? Treasury Stock										0
? Preferred Stock	0	0	0	0	0	0	0	0	0	0
? Common Stock	582	609	609	609	609	648	648	648	648	648
? Retained Earnings	256,170	268,226	281,138	302,544	322,581	338,093	381,361	418,353	433,227	440,760
? Additional Paid In Capital										0
? Total Stockholders Equity	559,779	621,196	638,877	666,439	695,853	753,981	739,883	701,390	699,445	704,696
? Total Equity	559,779	621,196	638,877	666,439	695,853	753,981	739,883	701,390	699,445	704,696
? Minority Interest	0	0	0	0	0	0	0	0	0	0
? Total Liabilities And Total Equity	3,202,584	3,850,094	3,991,417	4,408,432	5,055,302	5,514,544	5,430,542	5,601,293	5,598,396	5,666,378
? Total Investments	1,100,249	1,015,799	1,049,770	1,635,815	2,300,029	2,549,388	2,440,560	1,936,300	1,623,972	1,100,817
? Total Debt	495,129	465,206	469,549	408,891	826,073	559,523	411,606	659,645	836,196	760,053
? Net Debt	443,276	369,121	411,710	331,129	678,255	471,979	320,538	613,846	606,690	592,309
	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD

Cash Flow Statement

(* All numbers are in thousands)

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Net Income	19,531	26,130	24,768	40,079	40,235	36,988	70,654	61,119	37,669	29,945
? Depreciation And Amortization	3,595	4,038	3,615	3,346	8,903	8,693	8,484	8,445	8,533	5,985
? Deferred Income Tax	-1,632	-3,059	15,193	-893	1,864	14,222	-8,196	-625	2,919	1,262
? Stock Based Compensation	8,891	9,555	8,686	7,769	5,576	3,212	3,643	4,128	4,365	4,249
? Change In Working Capital	2,538	565	9,945	-207	1,863	-4,659	-6,256	-2,988	-9,338	0
? Accounts Receivables	-248	1	-999	-2,246	-1,650	1,334	118	-2,924	0	0
? Inventory	0	0	0	0	0	0	0	0	0	0
? Accounts Payables	0	0	0	0	0	0	0	0	0	0
? Net Cash Provided By Operating Activities	32,311	37,701	43,624	52,789	51,152	55,214	64,759	83,331	46,970	31,105
? Investments In Property Plant And Equipment	-802	-932	-2,065	-2,879	-3,623	-3,059	-1,638	-2,552	-3,605	0
? Acquisitions Net	-432,520	55,479	-174,293	-106,863	-192,425	72,875	46,104	0	0	0
? Purchases Of Investments	-7,657	-105,860	-137,631	-451,174	-637,959	-572,369	-752,056	-180,256	-73,730	330
? Sales Maturities Of Investments	225,941	207,357	120,557	151,003	323,338	585,125	785,259	347,226	247,455	895,191
? Net Cash Provided By Investing Activities	0	0	0	0	0	0	0	0	0	-118,491
? Net Debt Issuance	0	0	0	0	0	0	0	0	0	0
? Long Term Net Debt Issuance	0	0	0	0	0	0	0	0	0	0
? Short Term Net Debt Issuance	0	0	0	0	0	0	0	0	0	0
? Net Stock Issuance	0	0	0	0	0	0	0	0	0	-18,677
? Net Dividends Paid	-12,184	-14,074	-15,646	-18,673	-20,198	-21,476	-24,299	-24,127	-22,795	-21,826
? Common Dividends Paid										-21,826
? Preferred Dividends Paid	0	0	0	0	0	0	0	0	0	0
? Net Cash Provided By Financing Activities	154,455	104,145	108,656	373,494	541,629	16,437	-146,230	151,613	-57,132	25,624
? Effect Of Forex Changes On Cash	0	0	0	0	0	0	0	0	0	0
? Net Change In Cash	-24,856	44,232	-38,246	19,923	70,056	-60,274	3,524	-45,269	183,707	-61,762
? Cash At End Of Period	51,853	96,085	57,839	77,762	147,818	87,544	91,068	45,799	229,506	167,744
? Cash At Beginning Of Period	76,709	51,853	96,085	57,839	77,762	147,818	87,544	91,068	45,799	229,506
? Operating Cash Flow	32,311	37,701	43,624	52,789	51,152	55,214	64,759	83,331	46,970	31,105
? Capital Expenditure	-802	-932	-2,065	-2,879	-3,623	-3,059	-1,638	-2,552	-3,605	0
? Free Cash Flow	31,509	36,769	41,559	49,910	47,529	52,155	63,121	80,779	43,365	31,105
	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD

Analyst Estimates

(* All numbers are in thousands)

Fiscal Year	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
Estimated Revenue (Low)	117,413.882	118,559.960	121,452.395	132,791.968	164,231.420	165,693.314	131,835.430	123,128.148	141,304.369	161,432.301
Estimated Revenue (High)	122,355.787	123,550.103	126,564.280	138,381.131	171,143.857	173,986.145	137,953.903	128,842.517	147,862.296	168,924.364
Estimated Revenue (Avg)	119,393.400	120,558.800	123,500	135,030.750	167,000.250	169,707.750	134,894.667	125,985.333	144,583.333	165,178.333
Estimated Ebitda (Low)	54,747.794	68,758.359	91,066.100	61,308.863	72,244.258	97,297.136	107,026.847	51,387.398	58,973.224	67,373.594
Estimated Ebitda (High)	82,121.691	103,137.539	136,599.151	91,963.297	108,366.388	145,945.706	160,540.276	53,772.283	61,710.168	70,500.399
Estimated Ebitda (Avg)	68,434.743	85,947.949	113,832.626	76,636.081	90,305.323	121,621.421	133,783.562	52,579.841	60,341.696	68,936.997
Estimated Net Income (Low)	16,042.259	30,713.490	31,665.468	21,454.967	41,771.026	61,007.729	30,135.199	25,318.135	34,109.275	51,309.822
Estimated Net Income (High)	25,577.506	46,070.236	47,498.203	32,182.452	62,656.539	91,511.595	45,202.800	26,856.730	42,636.490	54,426.976
Estimated Net Income (Avg)	20,809.883	38,391.863	39,581.836	26,818.710	52,213.783	76,259.662	37,669	26,087.433	35,023.500	52,868.399
Estimated SGA Expense (Low)	30,174.932	32,211.647	39,320.700	33,733.483	32,618.980	30,596.015	33,655.614	39,017.824	44,777.649	51,155.947
Estimated SGA Expense (High)	45,262.398	48,317.470	58,981.051	50,600.223	48,928.470	45,894.024	50,483.424	40,828.638	46,855.776	53,530.092
Estimated SGA Expense (Avg)	37,718.665	40,264.559	49,150.876	42,166.854	40,773.725	38,245.020	42,069.519	39,923.231	45,816.713	52,343.020
Estimated EPS (Avg)	0.670	0.840	0.840	0.690	1.420	1.360	0.830	0.630	0.930	1.270
Estimated EPS (High)	0.700	0.870	0.860	0.710	1.470	1.410	0.860	0.650	1.020	1.310
Estimated EPS (Low)	0.660	0.820	0.820	0.680	1.390	1.320	0.820	0.610	0.820	1.230
Number of Analysts (Estimated Revenue)	10	6	1	1	1	1	2	1	1	1
Number of Analysts (Estimated EPS)	9	5	1	1	1	1	2	2	2	1

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Current Key Metrics

?	Revenue (TTM) :	251.328M	?	P/S (TTM) :	1.9
?	Net Income (TTM) :	29.945M	?	P/E (TTM) :	14.56
?	Enterprise Value (TTM) :	1.181B	?	EV/FCF (TTM) :	33.41
?	Dividend Yield (TTM) :	0.05	?	Payout Ratio (TTM) :	0.68
?	ROE (TTM) :	0.05	?	ROIC (TTM) :	0.02
?	Net Debt (TTM) :	747.01M	?	Debt/Equity (TTM) :	1.13
?	P/B (TTM) :	0.65	?	Current Ratio (TTM) :	0.33

Forward P/E Ratios

?

Forward P/E calculated based on:

Forward P/E 1Y	Forward P/E 2Y	Forward P/E 3Y	Forward P/E 4Y	Forward P/E 5Y
16.81	13.40	13.40	16.32	7.93

SWOT Analysis

No SWOT analysis available for this stock.

NFBK

2.66

-0.34

1.23

2.57

-2.2

37.29

7.14

Trading Metrics:

Open:	11.19	Previous Close:	11.26
Day Low:	11.19	Day High:	11.56
Year Low:	8.41	Year High:	14.39
Price Avg 50:	11.16	Price Avg 200:	11.69
Volume:	142369	Average Volume:	176434

NFBK

Northfield Bancorp, Inc. (Staten Island, NY)

About The Company

Revenue Segmentation

EPS

Earnings Call

Income Statement

Balance Sheet

Cash Flow Statement

Analyst Estimates

Current Key Metrics

Forward P/E Ratios

SWOT Analysis

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