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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 0.25
NFBK's Cash to Debt is ranked lower than
83% of the 1178 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.07 vs. NFBK: 0.25 )
Ranked among companies with meaningful Cash to Debt only.
NFBK' s Cash to Debt Range Over the Past 10 Years
Min: 0.07  Med: 0.29 Max: N/A
Current: 0.25
Equity to Asset 0.17
NFBK's Equity to Asset is ranked higher than
89% of the 1648 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. NFBK: 0.17 )
Ranked among companies with meaningful Equity to Asset only.
NFBK' s Equity to Asset Range Over the Past 10 Years
Min: 0.11  Med: 0.18 Max: 0.27
Current: 0.17
0.11
0.27
Interest Coverage 1.45
NFBK's Interest Coverage is ranked lower than
54% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. NFBK: 1.45 )
Ranked among companies with meaningful Interest Coverage only.
NFBK' s Interest Coverage Range Over the Past 10 Years
Min: 0.31  Med: 0.88 Max: 2.09
Current: 1.45
0.31
2.09
F-Score: 4
M-Score: -2.24
WACC vs ROIC
2.99%
1.87%
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 (%) 31.11
NFBK's Operating margin (%) is ranked higher than
51% of the 1663 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.83 vs. NFBK: 31.11 )
Ranked among companies with meaningful Operating margin (%) only.
NFBK' s Operating margin (%) Range Over the Past 10 Years
Min: 19.32  Med: 33.54 Max: 43.46
Current: 31.11
19.32
43.46
Net-margin (%) 19.18
NFBK's Net-margin (%) is ranked lower than
62% of the 1664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.36 vs. NFBK: 19.18 )
Ranked among companies with meaningful Net-margin (%) only.
NFBK' s Net-margin (%) Range Over the Past 10 Years
Min: 19.48  Med: 22.04 Max: 29.9
Current: 19.18
19.48
29.9
ROE (%) 3.17
NFBK's ROE (%) is ranked lower than
84% of the 1659 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.33 vs. NFBK: 3.17 )
Ranked among companies with meaningful ROE (%) only.
NFBK' s ROE (%) Range Over the Past 10 Years
Min: 3.09  Med: 3.73 Max: 6.87
Current: 3.17
3.09
6.87
ROA (%) 0.56
NFBK's ROA (%) is ranked lower than
70% of the 1670 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. NFBK: 0.56 )
Ranked among companies with meaningful ROA (%) only.
NFBK' s ROA (%) Range Over the Past 10 Years
Min: 0.62  Med: 0.70 Max: 1.01
Current: 0.56
0.62
1.01
Revenue Growth (3Y)(%) 13.70
NFBK's Revenue Growth (3Y)(%) is ranked higher than
83% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.50 vs. NFBK: 13.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NFBK' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 6.25 Max: 342
Current: 13.7
0
342
EBITDA Growth (3Y)(%) 16.50
NFBK's EBITDA Growth (3Y)(%) is ranked higher than
75% of the 1271 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.00 vs. NFBK: 16.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NFBK' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -19.8  Med: 4.35 Max: 30.1
Current: 16.5
-19.8
30.1
EPS Growth (3Y)(%) 15.60
NFBK's EPS Growth (3Y)(%) is ranked higher than
70% of the 1250 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. NFBK: 15.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NFBK' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 0.80 Max: 15.6
Current: 15.6
0
15.6
» NFBK's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-07-22)


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

» Details

Guru Trades

Q2 2015

NFBK Guru Trades in Q2 2015

Paul Tudor Jones 12,228 sh (New)
Charles Brandes 30,685 sh (+52.97%)
Jim Simons 1,490,518 sh (+12.76%)
Michael Price 249,855 sh (-27.95%)
» More
Q3 2015

NFBK Guru Trades in Q3 2015

Jim Simons 1,647,568 sh (+10.54%)
Paul Tudor Jones Sold Out
Michael Price Sold Out
Charles Brandes Sold Out
» More
Q4 2015

NFBK Guru Trades in Q4 2015

Jim Simons 1,750,268 sh (+6.23%)
» More
Q1 2016

NFBK Guru Trades in Q1 2016

Jim Simons 1,832,368 sh (+4.69%)
» 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%)

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:LTXB, NAS:NBTB, NAS:WSBC, NAS:WABC, NAS:OPB, NAS:FFBC » details
Northfield Bancorp Inc, through its subsidiary, provides banking services to individuals and corporate customers in Richmond and Kings Counties in New York, Union and Middlesex Counties in New Jersey.

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.

Ratios

vs
industry
vs
history
P/E(ttm) 37.12
NFBK's P/E(ttm) is ranked lower than
91% of the 1574 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.79 vs. NFBK: 37.12 )
Ranked among companies with meaningful P/E(ttm) only.
NFBK' s P/E(ttm) Range Over the Past 10 Years
Min: 26.21  Med: 39.37 Max: 61.09
Current: 37.12
26.21
61.09
PE(NRI) 37.12
NFBK's PE(NRI) is ranked lower than
91% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.69 vs. NFBK: 37.12 )
Ranked among companies with meaningful PE(NRI) only.
NFBK' s PE(NRI) Range Over the Past 10 Years
Min: 26  Med: 39.16 Max: 60.19
Current: 37.12
26
60.19
Price/Owner Earnings (ttm) 37.30
NFBK's Price/Owner Earnings (ttm) is ranked lower than
93% of the 857 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.46 vs. NFBK: 37.30 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
NFBK' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 19.1  Med: 33.24 Max: 97.66
Current: 37.3
19.1
97.66
P/B 1.24
NFBK's P/B is ranked lower than
65% of the 1655 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. NFBK: 1.24 )
Ranked among companies with meaningful P/B only.
NFBK' s P/B Range Over the Past 10 Years
Min: 0.89  Med: 1.29 Max: 1.65
Current: 1.24
0.89
1.65
P/S 7.20
NFBK's P/S is ranked lower than
90% of the 1647 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. NFBK: 7.20 )
Ranked among companies with meaningful P/S only.
NFBK' s P/S Range Over the Past 10 Years
Min: 6.59  Med: 8.28 Max: 11.03
Current: 7.2
6.59
11.03
PFCF 24.67
NFBK's PFCF is ranked lower than
87% of the 892 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.24 vs. NFBK: 24.67 )
Ranked among companies with meaningful PFCF only.
NFBK' s PFCF Range Over the Past 10 Years
Min: 20.18  Med: 29.47 Max: 181.75
Current: 24.67
20.18
181.75
POCF 24.32
NFBK's POCF is ranked lower than
90% of the 992 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.94 vs. NFBK: 24.32 )
Ranked among companies with meaningful POCF only.
NFBK' s POCF Range Over the Past 10 Years
Min: 17.17  Med: 25.02 Max: 267.14
Current: 24.32
17.17
267.14
EV-to-EBIT 37.50
NFBK's EV-to-EBIT is ranked lower than
89% of the 1513 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. NFBK: 37.50 )
Ranked among companies with meaningful EV-to-EBIT only.
NFBK' s EV-to-EBIT Range Over the Past 10 Years
Min: 20.6  Med: 36.60 Max: 55.3
Current: 37.5
20.6
55.3
EV-to-EBITDA 33.40
NFBK's EV-to-EBITDA is ranked lower than
89% of the 1514 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.89 vs. NFBK: 33.40 )
Ranked among companies with meaningful EV-to-EBITDA only.
NFBK' s EV-to-EBITDA Range Over the Past 10 Years
Min: 19  Med: 32.60 Max: 47.5
Current: 33.4
19
47.5
PEG 4.70
NFBK's PEG is ranked lower than
86% of the 738 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. NFBK: 4.70 )
Ranked among companies with meaningful PEG only.
NFBK' s PEG Range Over the Past 10 Years
Min: 1.69  Med: 6.29 Max: 18.81
Current: 4.7
1.69
18.81
Shiller P/E 42.04
NFBK's Shiller P/E is ranked lower than
90% of the 503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.33 vs. NFBK: 42.04 )
Ranked among companies with meaningful Shiller P/E only.
NFBK' s Shiller P/E Range Over the Past 10 Years
Min: 31.95  Med: 38.02 Max: 44.65
Current: 42.04
31.95
44.65

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.86
NFBK's Dividend Yield is ranked lower than
73% of the 2222 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. NFBK: 1.86 )
Ranked among companies with meaningful Dividend Yield only.
NFBK' s Dividend Yield Range Over the Past 10 Years
Min: 0.35  Med: 1.54 Max: 1.93
Current: 1.86
0.35
1.93
Dividend Payout 0.67
NFBK's Dividend Payout is ranked lower than
87% of the 1292 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. NFBK: 0.67 )
Ranked among companies with meaningful Dividend Payout only.
NFBK' s Dividend Payout Range Over the Past 10 Years
Min: 0.4  Med: 0.67 Max: 1.5
Current: 0.67
0.4
1.5
Dividend Growth (3y) 32.60
NFBK's Dividend Growth (3y) is ranked higher than
85% of the 745 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.80 vs. NFBK: 32.60 )
Ranked among companies with meaningful Dividend Growth (3y) only.
NFBK' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: -4.55 Max: 79.2
Current: 32.6
0
79.2
Forward Dividend Yield 2.05
NFBK's Forward Dividend Yield is ranked lower than
74% of the 2081 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.15 vs. NFBK: 2.05 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.88
NFBK's Yield on cost (5-Year) is ranked lower than
57% of the 2484 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.46 vs. NFBK: 2.88 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
NFBK' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.54  Med: 2.37 Max: 2.97
Current: 2.88
0.54
2.97
3-Year Average Share Buyback Ratio -3.20
NFBK's 3-Year Average Share Buyback Ratio is ranked lower than
56% of the 1066 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. NFBK: -3.20 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
NFBK' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -26  Med: 0.90 Max: 53.3
Current: -3.2
-26
53.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.32
NFBK's Price/Tangible Book is ranked lower than
62% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. NFBK: 1.32 )
Ranked among companies with meaningful Price/Tangible Book only.
NFBK' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.91  Med: 1.37 Max: 1.7
Current: 1.32
0.91
1.7
Price/Projected FCF 0.96
NFBK's Price/Projected FCF is ranked lower than
77% of the 892 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.66 vs. NFBK: 0.96 )
Ranked among companies with meaningful Price/Projected FCF only.
NFBK' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.85  Med: 1.22 Max: 13.91
Current: 0.96
0.85
13.91
Price/Median PS Value 0.87
NFBK's Price/Median PS Value is ranked higher than
73% of the 1568 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. NFBK: 0.87 )
Ranked among companies with meaningful Price/Median PS Value only.
NFBK' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.8  Med: 1.01 Max: 1.3
Current: 0.87
0.8
1.3
Price/Peter Lynch Fair Value 5.49
NFBK's Price/Peter Lynch Fair Value is ranked lower than
99% of the 431 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. NFBK: 5.49 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
NFBK' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 1.3  Med: 3.38 Max: 6.98
Current: 5.49
1.3
6.98
Price/Graham Number 1.48
NFBK's Price/Graham Number is ranked lower than
88% of the 1460 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. NFBK: 1.48 )
Ranked among companies with meaningful Price/Graham Number only.
NFBK' s Price/Graham Number Range Over the Past 10 Years
Min: 1.26  Med: 1.52 Max: 2.12
Current: 1.48
1.26
2.12
Earnings Yield (Greenblatt) (%) 2.70
NFBK's Earnings Yield (Greenblatt) (%) is ranked lower than
80% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.00 vs. NFBK: 2.70 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
NFBK' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.8  Med: 2.70 Max: 4.9
Current: 2.7
1.8
4.9
Forward Rate of Return (Yacktman) (%) 10.08
NFBK's Forward Rate of Return (Yacktman) (%) is ranked lower than
57% of the 857 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.58 vs. NFBK: 10.08 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
NFBK' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -14.8  Med: 7.20 Max: 26.1
Current: 10.08
-14.8
26.1

More Statistics

Revenue (TTM) (Mil) $94.84
EPS (TTM) $ 0.42
Beta0.22
Short Percentage of Float5.59%
52-Week Range $14.43 - 16.68
Shares Outstanding (Mil)48.36

Analyst Estimate

Dec16
Revenue (Mil $)
EPS ($) 0.54
EPS without NRI ($) 0.54
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
» More Articles for NFBK

Headlines

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

More From Other Websites
Northfield Bancorp, Inc. (New Jersey) :NFBK-US: Earnings Analysis: Q1, 2016 By the Numbers May 02 2016
Northfield Bancorp, Inc. (New Jersey) breached its 50 day moving average in a Bearish Manner :... Apr 29 2016
Northfield Bancorp, Inc. Announces First Quarter 2016 Results Apr 27 2016
Northfield Bancorp, Inc. Announces First Quarter 2016 Results Apr 27 2016
Coverage initiated on Northfield Bancorp by Piper Jaffray Apr 14 2016
Northfield Bancorp: Can It Turn Things Around in 2016? (NFBK, HWDY) Mar 06 2016
3 More Thrifts That Are Thrifty Buys Mar 01 2016
Northfield Bancorp, Inc. (New Jersey) Earnings Analysis: Q4, 2015 By the Numbers Jan 29 2016
Northfield posts 4Q profit Jan 27 2016
Northfield posts 4Q profit Jan 27 2016
Northfield Bancorp, Inc. Announces Fourth Quarter and Year End 2015 Results Jan 27 2016
Northfield Bancorp Completes Merger with Hopewell Valley Community Bank Jan 17 2016
Northfield Bancorp Completes Merger With Hopewell Valley Community Bank Jan 08 2016
Northfield Bancorp, Inc. (New Jersey) breached its 50 day moving average in a Bearish Manner :... Jan 05 2016
Northfield Bancorp Hits 52-Week High on Merger Approval Dec 28 2015
Northfield Bancorp and Hopewell Valley Community Bank Receive Shareholder and Regulatory Approval... Dec 15 2015
Northfield Bank Celebrates 21 Years of Holiday Giving Nov 30 2015
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