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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.13
NFBK's Cash to Debt is ranked higher than
53% of the 1549 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.49 vs. NFBK: 0.13 )
NFBK' s 10-Year Cash to Debt Range
Min: 0.07   Max: No Debt
Current: 0.13

Equity to Asset 0.21
NFBK's Equity to Asset is ranked higher than
96% of the 1958 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. NFBK: 0.21 )
NFBK' s 10-Year Equity to Asset Range
Min: 0.11   Max: 0.27
Current: 0.21

0.11
0.27
Interest Coverage 1.76
NFBK's Interest Coverage is ranked higher than
74% of the 1803 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. NFBK: 1.76 )
NFBK' s 10-Year Interest Coverage Range
Min: 0.31   Max: 9999.99
Current: 1.76

0.31
9999.99
F-Score: 5
Z-Score: 0.38
WACC vs ROIC
1.76%
2.12%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 38.29
NFBK's Operating margin (%) is ranked higher than
86% of the 1983 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.82 vs. NFBK: 38.29 )
NFBK' s 10-Year Operating margin (%) Range
Min: -254.95   Max: 50.7
Current: 38.29

-254.95
50.7
Net-margin (%) 24.13
NFBK's Net-margin (%) is ranked higher than
80% of the 1983 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.87 vs. NFBK: 24.13 )
NFBK' s 10-Year Net-margin (%) Range
Min: 19.48   Max: 282.41
Current: 24.13

19.48
282.41
ROE (%) 3.01
NFBK's ROE (%) is ranked higher than
55% of the 1993 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.74 vs. NFBK: 3.01 )
NFBK' s 10-Year ROE (%) Range
Min: 3.1   Max: 23.74
Current: 3.01

3.1
23.74
ROA (%) 0.74
NFBK's ROA (%) is ranked higher than
71% of the 1995 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. NFBK: 0.74 )
NFBK' s 10-Year ROA (%) Range
Min: 0.62   Max: 2.23
Current: 0.74

0.62
2.23
ROC (Joel Greenblatt) (%) 113.86
NFBK's ROC (Joel Greenblatt) (%) is ranked higher than
83% of the 1957 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 77.19 vs. NFBK: 113.86 )
NFBK' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 100.24   Max: 512.52
Current: 113.86

100.24
512.52
Revenue Growth (3Y)(%) 9.30
NFBK's Revenue Growth (3Y)(%) is ranked higher than
91% of the 1650 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. NFBK: 9.30 )
NFBK' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 467.7
Current: 9.3

0
467.7
EBITDA Growth (3Y)(%) 17.10
NFBK's EBITDA Growth (3Y)(%) is ranked higher than
87% of the 1492 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.10 vs. NFBK: 17.10 )
NFBK' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 17.1
Current: 17.1

0
17.1
EPS Growth (3Y)(%) 12.30
NFBK's EPS Growth (3Y)(%) is ranked higher than
80% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. NFBK: 12.30 )
NFBK' s 10-Year EPS Growth (3Y)(%) Range
Min: 0   Max: 12.3
Current: 12.3

0
12.3
» NFBK's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q4 2013

NFBK Guru Trades in Q4 2013

Paul Tudor Jones 44,616 sh (New)
Charles Brandes 21,695 sh (+8.48%)
Jim Simons 641,068 sh (+0.73%)
Michael Price 700,000 sh (unchged)
» More
Q1 2014

NFBK Guru Trades in Q1 2014

Jim Simons 812,918 sh (+26.81%)
Charles Brandes 22,610 sh (+4.22%)
Michael Price 700,000 sh (unchged)
Paul Tudor Jones 30,859 sh (-30.83%)
» More
Q2 2014

NFBK Guru Trades in Q2 2014

Jim Simons 928,568 sh (+14.23%)
Paul Tudor Jones 31,768 sh (+2.95%)
Michael Price 700,000 sh (unchged)
Charles Brandes 22,345 sh (-1.17%)
» More
Q3 2014

NFBK Guru Trades in Q3 2014

Jim Simons 1,052,468 sh (+13.34%)
Charles Brandes 22,365 sh (+0.09%)
Michael Price 700,000 sh (unchged)
Paul Tudor Jones 11,586 sh (-63.53%)
» More
» Details

Insider Trades

Latest Guru Trades with NFBK

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
John Keeley 2013-09-30 Sold Out 0.13%$11.61 - $12.42 $ 14.419%0
Charles Brandes 2013-09-30 New Buy$11.61 - $12.42 $ 14.419%20000
John Keeley 2013-06-30 Reduce -69.32%0.27%$11.23 - $11.83 $ 14.424%540000
Michael Price 2013-06-30 Add 16.67%0.16%$11.23 - $11.83 $ 14.424%700000
Michael Price 2013-03-31 New Buy0.89%$11.19 - $15.83 $ 14.415%600000
John Keeley 2013-03-31 New Buy0.39%$11.19 - $15.83 $ 14.415%1760000
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 36.30
NFBK's P/E(ttm) is ranked higher than
67% of the 2664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. NFBK: 36.30 )
NFBK' s 10-Year P/E(ttm) Range
Min: 26.21   Max: 61.09
Current: 36.3

26.21
61.09
Forward P/E 31.85
NFBK's Forward P/E is ranked higher than
74% of the 2664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.98 vs. NFBK: 31.85 )
N/A
PE(NRI) 36.20
NFBK's PE(NRI) is ranked higher than
67% of the 2664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. NFBK: 36.20 )
NFBK' s 10-Year PE(NRI) Range
Min: 26   Max: 60.19
Current: 36.2

26
60.19
P/B 1.21
NFBK's P/B is ranked higher than
76% of the 2664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.38 vs. NFBK: 1.21 )
NFBK' s 10-Year P/B Range
Min: 0.89   Max: 1.65
Current: 1.21

0.89
1.65
P/S 8.99
NFBK's P/S is ranked higher than
62% of the 2664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.72 vs. NFBK: 8.99 )
NFBK' s 10-Year P/S Range
Min: 6.56   Max: 12.7
Current: 8.99

6.56
12.7
PFCF 30.17
NFBK's PFCF is ranked higher than
77% of the 2664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. NFBK: 30.17 )
NFBK' s 10-Year PFCF Range
Min: 25.37   Max: 163.57
Current: 30.17

25.37
163.57
POCF 30.17
NFBK's POCF is ranked higher than
73% of the 2664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 128.00 vs. NFBK: 30.17 )
NFBK' s 10-Year POCF Range
Min: 20.17   Max: 280.5
Current: 30.17

20.17
280.5
EV-to-EBIT 35.96
NFBK's EV-to-EBIT is ranked higher than
64% of the 2664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.77 vs. NFBK: 35.96 )
NFBK' s 10-Year EV-to-EBIT Range
Min: 23.2   Max: 78.8
Current: 35.96

23.2
78.8
PEG 4.76
NFBK's PEG is ranked higher than
85% of the 2664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. NFBK: 4.76 )
NFBK' s 10-Year PEG Range
Min: 1.71   Max: 119.5
Current: 4.76

1.71
119.5
Shiller P/E 42.96
NFBK's Shiller P/E is ranked higher than
78% of the 2664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. NFBK: 42.96 )
NFBK' s 10-Year Shiller P/E Range
Min: 27.41   Max: 49.24
Current: 42.96

27.41
49.24
Days Sales Outstanding 39.32
NFBK's Days Sales Outstanding is ranked higher than
86% of the 2664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. NFBK: 39.32 )
NFBK' s 10-Year Days Sales Outstanding Range
Min: 34.66   Max: 57.35
Current: 39.32

34.66
57.35

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.80
NFBK's Dividend Yield is ranked lower than
61% of the 1894 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.35 vs. NFBK: 1.80 )
NFBK' s 10-Year Dividend Yield Range
Min: 0.35   Max: 1.93
Current: 1.8

0.35
1.93
Dividend Payout 0.64
NFBK's Dividend Payout is ranked higher than
62% of the 2664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. NFBK: 0.64 )
NFBK' s 10-Year Dividend Payout Range
Min: 0.42   Max: 1.67
Current: 0.64

0.42
1.67
Dividend growth (3y) 8.10
NFBK's Dividend growth (3y) is ranked higher than
81% of the 1121 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.10 vs. NFBK: 8.10 )
NFBK' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 79.2
Current: 8.1

0
79.2
Yield on cost (5-Year) 2.15
NFBK's Yield on cost (5-Year) is ranked lower than
57% of the 1907 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.62 vs. NFBK: 2.15 )
NFBK' s 10-Year Yield on cost (5-Year) Range
Min: 0.42   Max: 2.3
Current: 2.15

0.42
2.3
Share Buyback Rate 1.70
NFBK's Share Buyback Rate is ranked higher than
94% of the 1443 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.60 vs. NFBK: 1.70 )
NFBK' s 10-Year Share Buyback Rate Range
Min: 0   Max: -25.9
Current: 1.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.24
NFBK's Price/Tangible Book is ranked higher than
79% of the 2664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.65 vs. NFBK: 1.24 )
NFBK' s 10-Year Price/Tangible Book Range
Min: 0.91   Max: 1.7
Current: 1.24

0.91
1.7
Price/DCF (Projected) 1.02
NFBK's Price/DCF (Projected) is ranked higher than
78% of the 2664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.61 vs. NFBK: 1.02 )
NFBK' s 10-Year Price/DCF (Projected) Range
Min: 0.86   Max: 3.63
Current: 1.02

0.86
3.63
Price/Median PS Value 0.98
NFBK's Price/Median PS Value is ranked higher than
87% of the 2664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. NFBK: 0.98 )
NFBK' s 10-Year Price/Median PS Value Range
Min: 0.73   Max: 1.37
Current: 0.98

0.73
1.37
Price/Graham Number 1.42
NFBK's Price/Graham Number is ranked higher than
69% of the 2664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. NFBK: 1.42 )
NFBK' s 10-Year Price/Graham Number Range
Min: 1.28   Max: 1.92
Current: 1.42

1.28
1.92
Earnings Yield (Greenblatt) 2.80
NFBK's Earnings Yield (Greenblatt) is ranked higher than
58% of the 1969 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. NFBK: 2.80 )
NFBK' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.3   Max: 4.3
Current: 2.8

1.3
4.3
Forward Rate of Return (Yacktman) 6.90
NFBK's Forward Rate of Return (Yacktman) is ranked higher than
64% of the 1229 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.86 vs. NFBK: 6.90 )
NFBK' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 1.7   Max: 24.6
Current: 6.9

1.7
24.6

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Northfield Bancorp Inc, a Delaware Corporation was organized in June 2010. The Company through its main subsidiary, Northfield Bank, provides various banking services mainly to individuals and corporate customers in Richmond and Kings Counties, in New York, and Union and Middlesex Counties, in New Jersey. The Bank's main business consists of originating multifamily and other commercial real estate loans, purchasing investment securities, including mortgage-backed securities and corporate bonds, and to a lesser extent depositing funds in other financial institutions. It also offers construction and land loans, commercial and industrial loans, one-to-four family residential mortgage loans, and home equity loans and lines of credit. It offers various deposit accounts, including certificates of deposit, passbook, statement, and money market savings accounts, transaction deposit accounts, individual retirement accounts, and to a lesser extent when it is deemed cost effective, brokered deposits. Deposits are the Bank's main source of funds for its lending and investing activities. It also borrows funds, mainly repurchase agreements with brokers and Federal Home Loan Bank of New York advances. The Company competes with other financial institutions, including large money center and regional banks, community banks, credit unions, brokerage firms, mutual funds, and insurance companies. The Company is subject to extensive supervision, regulation, and examination by the Office of the Comptroller of the Currency, the Federal Reserve Board and the Federal Deposit Insurance Corporation.
» More Articles for NFBK

Headlines

Articles On GuruFocus.com
Considering Conversion? Try Winning Sep 20 2013 
comment on NFBK May 22 2013 
Northfield Bancorp Inc. Reports Operating Results (10-Q) Nov 09 2010 
Northfield Bancorp Inc. Reports Operating Results (10-Q) May 10 2010 


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