Northfield Bancorp, Inc. (Staten Island, NY) (NFBK) Financials

$9.96 -0.10 (-0.99%)

Closing price 04/25/2025 04:00 PM Eastern

Extended Trading

$9.96 +0.00 (+0.04%)

As of 04/25/2025 04:08 PM Eastern

Annual Income Statements for Northfield Bancorp, Inc. (Staten Island, NY)

This table shows Northfield Bancorp, Inc. (Staten Island, NY)'s income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2022	2023	2024
Net Income / (Loss) Attributable to Common Shareholders	61	38	30
Consolidated Net Income / (Loss)	61	38	30
Net Income / (Loss) Continuing Operations	61	38	30
Total Pre-Tax Income	85	52	41
Total Revenue	166	137	131
Net Interest Income / (Expense)	158	125	114
Total Interest Income	180	209	238
Loans and Leases Interest Income	162	185	188
Investment Securities Interest Income	17	20	41
Deposits and Money Market Investments Interest Income	0.82	4.25	9.41
Total Interest Expense	21	84	123
Deposits Interest Expense	10	49	82
Long-Term Debt Interest Expense	11	35	41
Total Non-Interest Income	7.98	12	17
Service Charges on Deposit Accounts	5.71	5.48	6.43
Other Service Charges	0.34	0.95	1.06
Net Realized & Unrealized Capital Gains on Investments	-1.47	1.84	5.11
Other Non-Interest Income	3.41	3.63	4.22
Provision for Credit Losses	4.48	1.35	4.28
Total Non-Interest Expense	77	83	87
Salaries and Employee Benefits	42	46	49
Net Occupancy & Equipment Expense	22	23	23
Marketing Expense	2.16	2.17	1.57
Property & Liability Insurance Claims	1.41	2.33	2.49
Other Operating Expenses	9.04	9.19	10
Income Tax Expense	24	14	11
Basic Earnings per Share	$1.32	$0.86	$0.72
Weighted Average Basic Shares Outstanding	46.23M	43.56M	41.57M
Diluted Earnings per Share	$1.32	$0.86	$0.72
Weighted Average Diluted Shares Outstanding	46.44M	43.64M	41.63M
Weighted Average Basic & Diluted Shares Outstanding	46.85M	44.46M	43.12M
Cash Dividends to Common per Share	$0.52	$0.52	$0.52

This table shows Northfield Bancorp, Inc. (Staten Island, NY)'s income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Net Income / (Loss) Attributable to Common Shareholders	17	14	12	9.56	8.18	8.22	6.21	5.96	6.52	11
Consolidated Net Income / (Loss)	17	14	12	9.56	8.18	8.22	6.21	5.96	6.52	11
Net Income / (Loss) Continuing Operations	17	14	12	9.56	8.18	8.22	6.21	5.96	6.52	11
Total Pre-Tax Income	24	20	16	13	11	11	8.52	9.17	8.89	14
Total Revenue	44	43	38	34	32	33	31	32	32	37
Net Interest Income / (Expense)	42	39	35	31	30	29	28	29	28	30
Total Interest Income	47	49	50	52	53	54	59	60	59	60
Loans and Leases Interest Income	43	43	44	46	47	47	47	47	47	47
Investment Securities Interest Income	4.49	5.10	5.18	4.83	4.76	5.03	8.24	11	11	11
Deposits and Money Market Investments Interest Income	0.20	0.39	0.58	0.82	0.83	2.02	3.39	2.46	1.21	2.35
Total Interest Expense	5.27	9.42	15	21	23	26	31	32	31	30
Deposits Interest Expense	2.12	5.68	7.82	10	14	17	19	21	20	22
Long-Term Debt Interest Expense	3.15	3.74	7.21	10	9.43	8.71	11	11	11	8.01
Total Non-Interest Income	2.29	3.22	3.33	2.82	2.12	3.63	3.38	2.86	3.58	7.00
Service Charges on Deposit Accounts	1.50	1.50	1.38	1.31	1.32	1.47	1.62	1.57	1.61	1.63
Other Service Charges	0.08	0.07	0.57	0.10	0.08	0.20	0.10	0.07	0.27	0.62
Net Realized & Unrealized Capital Gains on Investments	-0.15	0.78	0.51	0.52	-0.20	1.00	0.70	0.24	0.70	3.47
Other Non-Interest Income	0.86	0.87	0.87	0.89	0.92	0.95	0.96	0.98	1.00	1.28
Provision for Credit Losses	2.70	1.23	0.86	0.03	0.19	0.27	0.42	-0.62	2.54	1.94
Total Non-Interest Expense	18	22	21	21	21	21	22	23	20	21
Salaries and Employee Benefits	11	12	11	12	11	12	13	13	11	12
Net Occupancy & Equipment Expense	5.63	5.73	6.07	5.78	5.89	5.53	6.18	5.88	5.26	5.61
Marketing Expense	0.42	0.90	0.85	0.57	0.41	0.34	0.52	0.48	0.28	0.29
Property & Liability Insurance Claims	0.36	0.34	0.60	0.57	0.59	0.57	0.59	0.65	0.63	0.63
Other Operating Expenses	0.68	2.43	2.57	1.51	2.75	2.36	2.28	2.60	2.79	2.54
Income Tax Expense	6.75	5.54	4.53	3.61	2.88	3.07	2.30	3.21	2.36	2.67
Basic Earnings per Share	$0.37	$0.31	$0.26	$0.22	$0.19	$0.19	$0.15	$0.14	$0.16	$0.27
Weighted Average Basic Shares Outstanding	47.77M	46.23M	46.53M	44.99M	44.96M	43.56M	44.34M	43.19M	42.90M	41.57M
Diluted Earnings per Share	$0.37	$0.31	$0.26	$0.22	$0.19	$0.19	$0.15	$0.14	$0.16	$0.27
Weighted Average Diluted Shares Outstanding	47.77M	46.44M	46.53M	44.99M	44.96M	43.64M	44.34M	43.19M	42.90M	41.63M
Weighted Average Basic & Diluted Shares Outstanding	47.77M	46.85M	46.53M	44.99M	44.96M	44.46M	44.34M	43.19M	42.90M	43.12M

This table details how cash moves in and out of Northfield Bancorp, Inc. (Staten Island, NY)'s business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2022	2023	2024
Net Change in Cash & Equivalents	-45	184	-62
Net Cash From Operating Activities	83	47	31
Net Cash From Continuing Operating Activities	83	47	31
Net Income / (Loss) Continuing Operations	61	38	30
Consolidated Net Income / (Loss)	61	38	30
Provision For Loan Losses	4.48	1.35	4.28
Depreciation Expense	3.65	3.68	3.55
Amortization Expense	14	12	7.40
Non-Cash Adjustments to Reconcile Net Income	2.37	-0.97	-5.03
Changes in Operating Assets and Liabilities, net	-2.48	-6.50	-9.05
Net Cash From Investing Activities	-280	194	-118
Net Cash From Continuing Investing Activities	-280	194	-118
Purchase of Investment Securities	-668	-91	-1,048
Sale of Property, Leasehold Improvements and Equipment	2.80	0.00	0.00
Sale and/or Maturity of Investments	349	248	900
Other Investing Activities, net	37	36	30
Net Cash From Financing Activities	152	-57	26
Net Cash From Continuing Financing Activities	152	-57	26
Net Change in Deposits	-19	-272	260
Issuance of Debt	61	0.00	0.00
Repurchase of Common Equity	-31	-37	-19
Payment of Dividends	-24	-23	-22
Other Financing Activities, Net	165	275	-194
Cash Interest Paid	19	80	127
Cash Income Taxes Paid	22	15	7.36

This table details how cash moves in and out of Northfield Bancorp, Inc. (Staten Island, NY)'s business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Net Change in Cash & Equivalents	-40	-25	113	-70	-8.57	149	9.28	-85	79	-65
Net Cash From Operating Activities	18	25	18	3.27	12	14	4.24	6.91	14	6.00
Net Cash From Continuing Operating Activities	18	25	18	3.27	12	14	4.24	6.91	14	6.00
Net Income / (Loss) Continuing Operations	17	14	12	9.56	8.18	8.22	6.21	5.96	6.52	11
Consolidated Net Income / (Loss)	17	14	12	9.56	8.18	8.22	6.21	5.96	6.52	11
Provision For Loan Losses	2.70	1.23	0.86	0.03	0.19	0.27	0.42	-0.62	2.54	1.94
Depreciation Expense	0.90	0.89	0.91	0.92	0.93	0.91	0.92	0.91	0.88	0.84
Amortization Expense	3.61	3.27	3.20	3.20	2.88	2.46	0.67	1.48	2.32	2.93
Non-Cash Adjustments to Reconcile Net Income	-0.34	0.61	-0.27	-1.55	1.24	-0.39	-0.76	-0.65	-0.69	-2.94
Changes in Operating Assets and Liabilities, net	-5.88	4.85	1.35	-8.90	-1.76	2.81	-3.23	-0.17	2.39	-8.03
Net Cash From Investing Activities	-84	41	50	56	92	-4.74	-239	24	103	-5.82
Net Cash From Continuing Investing Activities	-84	41	50	56	92	-4.74	-239	24	103	-5.82
Purchase of Investment Securities	-160	-26	-26	-46	30	-49	-421	-260	-122	-245
Sale and/or Maturity of Investments	56	56	65	86	54	42	181	282	218	219
Other Investing Activities, net	17	12	10	16	8.16	1.82	0.26	1.95	6.57	21
Net Cash From Financing Activities	26	-91	45	-129	-112	139	244	-116	-37	-65
Net Cash From Continuing Financing Activities	26	-91	45	-129	-112	139	244	-116	-37	-65
Net Change in Deposits	-14	-254	-303	-83	-96	210	43	-123	77	263
Repurchase of Common Equity	-11	-8.61	-16	-13	-3.16	-4.43	-3.31	-8.66	-6.71	-0.00
Payment of Dividends	-5.98	-5.92	-5.91	-5.79	-5.57	-5.53	-5.56	-5.53	-5.37	-5.36
Other Financing Activities, Net	-48	283	-248	591	-7.71	-61	-90	321	-102	-323
Cash Interest Paid	4.77	7.70	14	20	22	24	31	28	28	39
Cash Income Taxes Paid	8.19	2.70	1.39	8.77	3.18	1.37	1.44	2.64	2.09	1.18

This table presents Northfield Bancorp, Inc. (Staten Island, NY)'s assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2022	2023	2024
Total Assets	5,601	5,598	5,666
Cash and Due from Banks	15	14	13
Interest Bearing Deposits at Other Banks	31	216	155
Trading Account Securities	984	829	1,138
Loans and Leases, Net of Allowance	4,201	4,166	3,987
Loans and Leases	4,244	4,204	4,022
Allowance for Loan and Lease Losses	43	38	35
Loans Held for Sale	-	0.00	4.90
Accrued Investment Income	17	18	19
Premises and Equipment, Net	25	25	22
Goodwill	41	41	41
Other Assets	287	290	286
Total Liabilities & Shareholders' Equity	5,601	5,598	5,666
Total Liabilities	4,900	4,899	4,962
Non-Interest Bearing Deposits	4,150	3,878	4,138
Interest Bearing Deposits	26	25	24
Short-Term Debt	25	25	0.00
Long-Term Debt	620	895	728
Other Long-Term Liabilities	79	75	71
Total Equity & Noncontrolling Interests	701	699	705
Total Preferred & Common Equity	701	699	705
Preferred Stock	0.00	0.00	0.00
Total Common Equity	701	699	705
Common Stock	591	592	592
Retained Earnings	418	433	441
Treasury Stock	-244	-279	-295
Accumulated Other Comprehensive Income / (Loss)	-48	-32	-20
Other Equity Adjustments	-16	-14	-13

This table presents Northfield Bancorp, Inc. (Staten Island, NY)'s assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024
Total Assets	5,670	5,663	5,541	5,437	5,852	5,746	5,731
Cash and Due from Banks	14	14	14	13	14	15	14
Interest Bearing Deposits at Other Banks	57	144	75	67	225	139	219
Trading Account Securities	1,025	929	835	776	1,109	1,156	1,098
Loans and Leases, Net of Allowance	-42	4,200	4,233	4,191	4,125	4,056	4,024
Loans and Leases	-	4,242	4,274	4,230	4,162	4,091	4,059
Allowance for Loan and Lease Losses	42	41	41	38	37	35	35
Loans Held for Sale	0.50	-	0.98	0.95	-	-	4.90
Accrued Investment Income	16	17	18	17	19	19	19
Premises and Equipment, Net	25	25	25	24	24	24	23
Goodwill	41	41	41	41	41	41	41
Other Assets	4,532	292	300	306	293	296	288
Total Liabilities & Shareholders' Equity	5,670	5,663	5,541	5,437	5,852	5,746	5,731
Total Liabilities	4,976	4,965	4,854	4,753	5,153	5,053	5,031
Non-Interest Bearing Deposits	4,404	3,847	3,764	3,669	3,921	3,798	3,876
Interest Bearing Deposits	26	31	29	26	30	26	22
Short-Term Debt	25	25	924	919	25	0.00	991
Long-Term Debt	444	985	61	61	1,101	1,151	61
Other Long-Term Liabilities	77	77	76	78	76	78	81
Total Equity & Noncontrolling Interests	693	698	687	684	698	693	700
Total Preferred & Common Equity	693	698	687	684	698	693	700
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	693	698	687	684	698	693	700
Common Stock	590	589	590	591	590	590	591
Retained Earnings	410	424	428	431	434	434	435
Treasury Stock	-237	-257	-271	-274	-279	-288	-295
Accumulated Other Comprehensive Income / (Loss)	-54	-42	-45	-48	-32	-29	-18
Other Equity Adjustments	-16	-15	-15	-15	-14	-14	-14

This table displays calculated financial ratios and metrics derived from Northfield Bancorp, Inc. (Staten Island, NY)'s official financial filings.

Metric	2022	2023	2024
Growth Metrics	-	-	-
Revenue Growth	-2.24%	-17.88%	-3.85%
EBITDA Growth	-5.06%	-34.61%	-23.39%
EBIT Growth	-12.63%	-39.00%	-21.75%
NOPAT Growth	-13.50%	-38.37%	-20.50%
Net Income Growth	-13.50%	-38.37%	-20.50%
EPS Growth	-8.97%	-34.85%	-16.28%
Operating Cash Flow Growth	28.68%	-43.63%	-33.78%
Free Cash Flow Firm Growth	-148.47%	-91.13%	192.09%
Invested Capital Growth	15.89%	20.33%	-11.57%
Revenue Q/Q Growth	-0.79%	-6.83%	3.26%
EBITDA Q/Q Growth	-3.06%	-12.01%	6.26%
EBIT Q/Q Growth	-3.94%	-13.94%	6.95%
NOPAT Q/Q Growth	-3.11%	-13.58%	11.25%
Net Income Q/Q Growth	-3.11%	-13.58%	11.25%
EPS Q/Q Growth	-2.22%	-12.24%	12.50%
Operating Cash Flow Q/Q Growth	4.53%	-18.53%	-21.04%
Free Cash Flow Firm Q/Q Growth	-298.62%	48.55%	458.09%
Invested Capital Q/Q Growth	15.86%	-2.66%	-18.23%
Profitability Metrics	-	-	-
EBITDA Margin	61.77%	49.18%	39.19%
EBIT Margin	51.03%	37.90%	30.84%
Profit (Net Income) Margin	36.75%	27.58%	22.81%
Tax Burden Percent	72.02%	72.78%	73.94%
Interest Burden Percent	100.00%	100.00%	100.00%
Effective Tax Rate	27.98%	27.22%	26.06%
Return on Invested Capital (ROIC)	4.87%	2.54%	1.96%
ROIC Less NNEP Spread (ROIC-NNEP)	4.87%	2.54%	1.96%
Return on Net Nonoperating Assets (RNNOA)	3.61%	2.84%	2.30%
Return on Equity (ROE)	8.48%	5.38%	4.27%
Cash Return on Invested Capital (CROIC)	-9.85%	-15.91%	14.24%
Operating Return on Assets (OROA)	1.54%	0.92%	0.72%
Return on Assets (ROA)	1.11%	0.67%	0.53%
Return on Common Equity (ROCE)	8.48%	5.38%	4.27%
Return on Equity Simple (ROE_SIMPLE)	8.71%	5.39%	4.25%
Net Operating Profit after Tax (NOPAT)	61	38	30
NOPAT Margin	36.75%	27.58%	22.81%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	39.99%	52.67%	56.23%
Operating Expenses to Revenue	46.27%	61.11%	65.90%
Earnings before Interest and Taxes (EBIT)	85	52	41
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	103	67	51
Valuation Ratios	-	-	-
Price to Book Value (P/BV)	0.96	0.76	0.70
Price to Tangible Book Value (P/TBV)	1.02	0.81	0.74
Price to Revenue (P/Rev)	4.06	3.90	3.76
Price to Earnings (P/E)	11.05	14.15	16.47
Dividend Yield	3.68%	4.39%	4.52%
Earnings Yield	9.05%	7.07%	6.07%
Enterprise Value to Invested Capital (EV/IC)	0.95	0.76	0.74
Enterprise Value to Revenue (EV/Rev)	7.66	8.96	8.02
Enterprise Value to EBITDA (EV/EBITDA)	12.41	18.22	20.47
Enterprise Value to EBIT (EV/EBIT)	15.02	23.65	26.00
Enterprise Value to NOPAT (EV/NOPAT)	20.85	32.49	35.17
Enterprise Value to Operating Cash Flow (EV/OCF)	15.29	26.06	33.86
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	4.85
Leverage & Solvency	-	-	-
Debt to Equity	0.92	1.32	1.03
Long-Term Debt to Equity	0.88	1.28	1.03
Financial Leverage	0.74	1.12	1.17
Leverage Ratio	7.65	8.00	8.02
Compound Leverage Factor	7.65	8.00	8.02
Debt to Total Capital	47.90%	56.82%	50.81%
Short-Term Debt to Total Capital	1.86%	1.54%	0.00%
Long-Term Debt to Total Capital	46.04%	55.28%	50.81%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%
Common Equity to Total Capital	52.10%	43.18%	49.19%
Debt to EBITDA	6.28	13.70	14.15
Net Debt to EBITDA	5.83	10.29	10.89
Long-Term Debt to EBITDA	6.03	13.33	14.15
Debt to NOPAT	10.55	24.44	24.31
Net Debt to NOPAT	9.80	18.34	18.70
Long-Term Debt to NOPAT	10.14	23.77	24.31
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-
Cash Flow Metrics	-	-	-
Free Cash Flow to Firm (FCFF)	-123	-236	217
Operating Cash Flow to CapEx	0.00%	0.00%	0.00%
Free Cash Flow to Firm to Interest Expense	-5.78	-2.81	1.76
Operating Cash Flow to Interest Expense	3.90	0.56	0.25
Operating Cash Flow Less CapEx to Interest Expense	4.03	0.56	0.25
Efficiency Ratios	-	-	-
Asset Turnover	0.03	0.02	0.02
Fixed Asset Turnover	6.55	5.50	5.62
Capital & Investment Metrics	-	-	-
Invested Capital	1,346	1,620	1,433
Invested Capital Turnover	0.13	0.09	0.09
Increase / (Decrease) in Invested Capital	185	274	-187
Enterprise Value (EV)	1,275	1,224	1,053
Market Capitalization	675	533	493
Book Value per Share	$14.68	$15.56	$16.42
Tangible Book Value per Share	$13.82	$14.65	$15.47
Total Capital	1,346	1,620	1,433
Total Debt	645	920	728
Total Long-Term Debt	620	895	728
Net Debt	599	691	560
Capital Expenditures (CapEx)	-2.80	0.00	0.00
Net Nonoperating Expense (NNE)	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	645	920	728
Total Depreciation and Amortization (D&A)	18	15	11
Earnings Adjustments	-	-	-
Adjusted Basic Earnings per Share	$1.32	$0.86	$0.72
Adjusted Weighted Average Basic Shares Outstanding	46.23M	43.56M	41.57M
Adjusted Diluted Earnings per Share	$1.32	$0.86	$0.72
Adjusted Weighted Average Diluted Shares Outstanding	46.44M	43.64M	41.63M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	46.85M	44.46M	43.12M
Normalized Net Operating Profit after Tax (NOPAT)	61	38	30
Normalized NOPAT Margin	36.75%	27.58%	22.81%
Pre Tax Income Margin	51.03%	37.90%	30.84%
Debt Service Ratios	-	-	-
EBIT to Interest Expense	3.97	0.62	0.33
NOPAT to Interest Expense	2.86	0.45	0.24
EBIT Less CapEx to Interest Expense	4.10	0.62	0.33
NOPAT Less CapEx to Interest Expense	2.99	0.45	0.24
Payout Ratios	-	-	-
Dividend Payout Ratio	39.48%	60.51%	72.89%
Augmented Payout Ratio	90.00%	159.20%	135.26%

This table displays calculated financial ratios and metrics derived from Northfield Bancorp, Inc. (Staten Island, NY)'s official financial filings.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	7.92%	-3.01%	-0.92%	-16.83%	-28.18%	-23.53%	-18.21%	-7.15%	-0.02%	12.73%
EBITDA Growth	15.37%	-11.97%	-15.97%	-34.62%	-47.34%	-38.46%	-50.28%	-33.14%	-18.74%	20.66%
EBIT Growth	7.07%	-15.02%	-16.61%	-40.09%	-53.39%	-42.60%	-47.54%	-30.38%	-19.63%	23.30%
NOPAT Growth	5.59%	-12.20%	-17.13%	-39.78%	-51.82%	-41.85%	-46.92%	-37.68%	-20.27%	36.84%
Net Income Growth	5.59%	-12.20%	-17.13%	-39.78%	-51.82%	-41.85%	-46.92%	-37.68%	-20.27%	36.84%
EPS Growth	12.12%	-8.82%	-13.33%	-35.29%	-48.65%	-38.71%	-42.31%	-36.36%	-15.79%	42.11%
Operating Cash Flow Growth	-2.38%	16.92%	-9.42%	-84.28%	-35.11%	-42.79%	-76.13%	111.47%	19.68%	-58.03%
Free Cash Flow Firm Growth	-92.99%	-185.13%	-335.56%	-563.41%	-3,174.93%	-55.73%	81.15%	69.02%	83.59%	174.83%
Invested Capital Growth	0.08%	15.89%	53.44%	48.80%	43.23%	20.33%	6.80%	10.34%	5.26%	-11.57%
Revenue Q/Q Growth	8.44%	-3.92%	-10.18%	-11.12%	-6.37%	2.30%	-3.93%	0.90%	0.83%	15.35%
EBITDA Q/Q Growth	6.76%	-15.59%	-14.66%	-14.99%	-14.01%	-1.36%	-31.05%	14.32%	4.52%	46.46%
EBIT Q/Q Growth	7.90%	-17.06%	-17.49%	-18.87%	-16.05%	2.13%	-24.58%	7.67%	-3.10%	56.69%
NOPAT Q/Q Growth	6.96%	-16.73%	-17.20%	-18.35%	-14.42%	0.50%	-24.42%	-4.14%	9.50%	72.48%
Net Income Q/Q Growth	6.96%	-16.73%	-17.20%	-18.35%	-14.42%	0.50%	-24.42%	-4.14%	9.50%	72.48%
EPS Q/Q Growth	8.82%	-16.22%	-16.13%	-15.38%	-13.64%	0.00%	-21.05%	-6.67%	14.29%	68.75%
Operating Cash Flow Q/Q Growth	-13.51%	38.90%	-28.91%	-81.59%	256.95%	22.47%	-70.34%	63.11%	102.01%	-57.05%
Free Cash Flow Firm Q/Q Growth	-86.17%	-1,160.85%	-242.13%	7.66%	8.25%	46.27%	58.60%	-51.80%	51.40%	344.98%
Invested Capital Q/Q Growth	3.45%	15.86%	26.89%	-2.16%	-0.42%	-2.66%	12.62%	1.08%	-5.00%	-18.23%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	63.74%	56.00%	53.21%	50.89%	46.74%	45.07%	32.35%	36.65%	37.99%	48.24%
EBIT Margin	53.56%	46.23%	42.47%	38.77%	34.76%	34.70%	27.24%	29.07%	27.94%	37.95%
Profit (Net Income) Margin	38.33%	33.22%	30.62%	28.13%	25.72%	25.26%	19.88%	18.88%	20.51%	30.67%
Tax Burden Percent	71.57%	71.86%	72.11%	72.57%	73.98%	72.80%	72.95%	64.95%	73.40%	80.80%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	28.43%	28.14%	27.89%	27.43%	26.02%	27.20%	27.05%	35.05%	26.60%	19.20%
Return on Invested Capital (ROIC)	5.53%	4.41%	3.60%	3.20%	2.67%	2.33%	1.46%	1.37%	1.53%	2.64%
ROIC Less NNEP Spread (ROIC-NNEP)	5.53%	4.41%	3.60%	3.20%	2.67%	2.33%	1.46%	1.37%	1.53%	2.64%
Return on Net Nonoperating Assets (RNNOA)	3.44%	3.26%	3.59%	3.18%	2.81%	2.60%	2.23%	2.11%	2.24%	3.10%
Return on Equity (ROE)	8.97%	7.67%	7.19%	6.38%	5.47%	4.93%	3.69%	3.48%	3.77%	5.74%
Cash Return on Invested Capital (CROIC)	5.35%	-9.85%	-38.01%	-35.48%	-32.46%	-15.91%	-4.75%	-8.21%	-3.55%	14.24%
Operating Return on Assets (OROA)	1.62%	1.39%	1.26%	1.10%	0.92%	0.85%	0.61%	0.66%	0.64%	0.88%
Return on Assets (ROA)	1.16%	1.00%	0.91%	0.80%	0.68%	0.62%	0.45%	0.43%	0.47%	0.71%
Return on Common Equity (ROCE)	8.97%	7.67%	7.19%	6.38%	5.47%	4.93%	3.69%	3.48%	3.77%	5.74%
Return on Equity Simple (ROE_SIMPLE)	9.10%	0.00%	8.41%	7.63%	6.37%	0.00%	4.61%	4.12%	3.85%	0.00%
Net Operating Profit after Tax (NOPAT)	17	14	12	9.56	8.18	8.22	6.21	5.96	6.52	11
NOPAT Margin	38.33%	33.22%	30.62%	28.13%	25.72%	25.26%	19.88%	18.88%	20.51%	30.67%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	38.01%	44.38%	46.96%	55.04%	54.14%	55.48%	62.26%	62.59%	53.34%	48.13%
Operating Expenses to Revenue	40.34%	50.88%	55.27%	61.14%	64.65%	64.46%	71.43%	72.89%	64.07%	56.75%
Earnings before Interest and Taxes (EBIT)	24	20	16	13	11	11	8.52	9.17	8.89	14
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	28	24	20	17	15	15	10	12	12	18
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.91	0.96	0.73	0.70	0.58	0.76	0.60	0.60	0.71	0.70
Price to Tangible Book Value (P/TBV)	0.97	1.02	0.78	0.74	0.62	0.81	0.64	0.64	0.75	0.74
Price to Revenue (P/Rev)	3.77	4.06	3.08	3.02	2.73	3.90	3.25	3.27	3.90	3.76
Price to Earnings (P/E)	9.81	11.05	8.72	9.17	9.17	14.15	13.09	14.54	18.41	16.47
Dividend Yield	3.99%	3.68%	4.76%	5.04%	5.86%	4.39%	5.49%	5.55%	4.53%	4.52%
Earnings Yield	10.19%	9.05%	11.47%	10.91%	10.91%	7.07%	7.64%	6.88%	5.43%	6.07%
Enterprise Value to Invested Capital (EV/IC)	0.89	0.95	0.80	0.82	0.78	0.76	0.72	0.77	0.75	0.74
Enterprise Value to Revenue (EV/Rev)	6.14	7.66	8.21	8.65	8.86	8.96	10.09	11.11	10.34	8.02
Enterprise Value to EBITDA (EV/EBITDA)	9.71	12.41	13.78	15.34	17.02	18.22	22.98	27.59	27.15	20.47
Enterprise Value to EBIT (EV/EBIT)	11.65	15.02	16.69	18.89	21.60	23.65	29.70	35.29	34.72	26.00
Enterprise Value to NOPAT (EV/NOPAT)	16.32	20.85	23.21	26.26	29.80	32.49	40.66	49.45	48.85	35.17
Enterprise Value to Operating Cash Flow (EV/OCF)	12.91	15.29	16.72	21.51	22.53	26.06	39.10	38.09	33.38	33.86
Enterprise Value to Free Cash Flow (EV/FCFF)	16.55	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	4.85
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.68	0.92	1.45	1.43	1.43	1.32	1.61	1.66	1.50	1.03
Long-Term Debt to Equity	0.64	0.88	1.41	0.09	0.09	1.28	1.58	1.66	0.09	1.03
Financial Leverage	0.62	0.74	1.00	0.99	1.05	1.12	1.53	1.55	1.47	1.17
Leverage Ratio	7.73	7.65	7.91	7.98	8.06	8.00	8.24	8.18	8.07	8.02
Compound Leverage Factor	7.73	7.65	7.91	7.98	8.06	8.00	8.24	8.18	8.07	8.02
Debt to Total Capital	40.33%	47.90%	59.13%	58.92%	58.89%	56.82%	61.72%	62.42%	60.07%	50.81%
Short-Term Debt to Total Capital	2.15%	1.86%	1.46%	55.26%	55.22%	1.54%	1.37%	0.00%	56.56%	0.00%
Long-Term Debt to Total Capital	38.18%	46.04%	57.67%	3.66%	3.68%	55.28%	60.35%	62.42%	3.50%	50.81%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	59.67%	52.10%	40.87%	41.08%	41.11%	43.18%	38.28%	37.58%	39.93%	49.19%
Debt to EBITDA	4.42	6.28	10.22	10.98	12.84	13.70	19.77	22.48	21.73	14.15
Net Debt to EBITDA	3.76	5.83	8.61	9.98	11.78	10.29	15.58	19.48	16.92	10.89
Long-Term Debt to EBITDA	4.19	6.03	9.96	0.68	0.80	13.33	19.33	22.48	1.27	14.15
Debt to NOPAT	7.43	10.55	17.21	18.80	22.49	24.44	34.99	40.28	39.09	24.31
Net Debt to NOPAT	6.31	9.80	14.50	17.10	20.64	18.34	27.57	34.91	30.44	18.70
Long-Term Debt to NOPAT	7.03	10.14	16.78	1.17	1.40	23.77	34.21	40.28	2.28	24.31
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	16	-170	-583	-539	-494	-265	-110	-167	-81	199
Operating Cash Flow to CapEx	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Free Cash Flow to Firm to Interest Expense	3.05	-18.10	-38.80	-26.26	-21.44	-10.39	-3.57	-5.29	-2.61	6.61
Operating Cash Flow to Interest Expense	3.41	2.65	1.18	0.16	0.51	0.56	0.14	0.22	0.45	0.20
Operating Cash Flow Less CapEx to Interest Expense	3.41	2.65	1.18	0.16	0.51	0.56	0.14	0.22	0.45	0.20
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.03	0.03	0.03	0.03	0.03	0.02	0.02	0.02	0.02	0.02
Fixed Asset Turnover	6.45	6.55	6.63	6.32	5.92	5.50	5.29	5.28	5.40	5.62
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
Invested Capital	1,162	1,346	1,708	1,671	1,664	1,620	1,824	1,844	1,752	1,433
Invested Capital Turnover	0.14	0.13	0.12	0.11	0.10	0.09	0.07	0.07	0.07	0.09
Increase / (Decrease) in Invested Capital	0.91	185	595	548	502	274	116	173	88	-187
Enterprise Value (EV)	1,029	1,275	1,363	1,376	1,299	1,224	1,308	1,413	1,315	1,053
Market Capitalization	631	675	512	480	399	533	421	416	495	493
Book Value per Share	$14.32	$14.68	$14.90	$14.76	$15.21	$15.56	$15.71	$15.63	$16.20	$16.42
Tangible Book Value per Share	$13.47	$13.82	$14.03	$13.88	$14.29	$14.65	$14.79	$14.70	$15.25	$15.47
Total Capital	1,162	1,346	1,708	1,671	1,664	1,620	1,824	1,844	1,752	1,433
Total Debt	469	645	1,010	985	980	920	1,126	1,151	1,052	728
Total Long-Term Debt	444	620	985	61	61	895	1,101	1,151	61	728
Net Debt	398	599	851	896	900	691	887	998	819	560
Capital Expenditures (CapEx)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	469	645	1,010	985	980	920	1,126	1,151	1,052	728
Total Depreciation and Amortization (D&A)	4.51	4.16	4.10	4.12	3.81	3.37	1.60	2.39	3.20	3.77
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.37	$0.31	$0.26	$0.22	$0.19	$0.19	$0.15	$0.14	$0.16	$0.27
Adjusted Weighted Average Basic Shares Outstanding	47.77M	46.23M	46.53M	44.99M	44.96M	43.56M	44.34M	43.19M	42.90M	41.57M
Adjusted Diluted Earnings per Share	$0.37	$0.31	$0.26	$0.22	$0.19	$0.19	$0.15	$0.14	$0.16	$0.27
Adjusted Weighted Average Diluted Shares Outstanding	47.77M	46.44M	46.53M	44.99M	44.96M	43.64M	44.34M	43.19M	42.90M	41.63M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	47.77M	46.85M	46.53M	44.99M	44.96M	44.46M	44.34M	43.19M	42.90M	43.12M
Normalized Net Operating Profit after Tax (NOPAT)	17	14	12	9.56	8.18	8.22	6.21	5.96	6.52	11
Normalized NOPAT Margin	38.33%	33.22%	30.62%	28.13%	25.72%	25.26%	19.88%	18.88%	20.51%	30.67%
Pre Tax Income Margin	53.56%	46.23%	42.47%	38.77%	34.76%	34.70%	27.24%	29.07%	27.94%	37.95%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	4.50	2.09	1.08	0.64	0.48	0.44	0.28	0.29	0.29	0.46
NOPAT to Interest Expense	3.22	1.50	0.78	0.47	0.36	0.32	0.20	0.19	0.21	0.37
EBIT Less CapEx to Interest Expense	4.50	2.09	1.08	0.64	0.48	0.44	0.28	0.29	0.29	0.46
NOPAT Less CapEx to Interest Expense	3.22	1.50	0.78	0.47	0.36	0.32	0.20	0.19	0.21	0.37
Payout Ratios	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	38.61%	39.48%	40.78%	45.04%	53.19%	60.51%	69.76%	77.64%	81.71%	72.89%
Augmented Payout Ratio	83.98%	90.00%	107.09%	139.51%	148.08%	159.20%	145.00%	146.07%	167.54%	135.26%

Frequently Asked Questions About Northfield Bancorp, Inc. (Staten Island, NY)'s Financials

When does Northfield Bancorp, Inc. (Staten Island, NY)'s financial year end?

According to the most recent income statement we have on file, Northfield Bancorp, Inc. (Staten Island, NY)'s fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Northfield Bancorp, Inc. (Staten Island, NY)'s net income changed over the last 2 years?

Northfield Bancorp, Inc. (Staten Island, NY)'s net income appears to be on a downward trend, with a most recent value of $29.95 million in 2024, falling from $61.12 million in 2022. The previous period was $37.67 million in 2023.

How has Northfield Bancorp, Inc. (Staten Island, NY) revenue changed over the last 2 years?

Over the last 2 years, Northfield Bancorp, Inc. (Staten Island, NY)'s total revenue changed from $166.29 million in 2022 to $131.31 million in 2024, a change of -21.0%.

How much debt does Northfield Bancorp, Inc. (Staten Island, NY) have?

Northfield Bancorp, Inc. (Staten Island, NY)'s total liabilities were at $4.96 billion at the end of 2024, a 1.3% increase from 2023, and a 1.3% increase since 2022.

How much cash does Northfield Bancorp, Inc. (Staten Island, NY) have?

In the past 2 years, Northfield Bancorp, Inc. (Staten Island, NY)'s cash and equivalents has ranged from $13.04 million in 2024 to $14.53 million in 2022, and is currently $13.04 million as of their latest financial filing in 2024.

How has Northfield Bancorp, Inc. (Staten Island, NY)'s book value per share changed over the last 2 years?

Over the last 2 years, Northfield Bancorp, Inc. (Staten Island, NY)'s book value per share changed from 14.68 in 2022 to 16.42 in 2024, a change of 11.9%.

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This page (NASDAQ:NFBK) was last updated on 4/26/2025 by MarketBeat.com Staff

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Northfield Bancorp, Inc. (Staten Island, NY) (NFBK) Financials

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Northfield Bancorp, Inc. (Staten Island, NY) (NFBK) Financials

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