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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 0.16
NFBK's Cash to Debt is ranked lower than
87% of the 983 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.38 vs. NFBK: 0.16 )
Ranked among companies with meaningful Cash to Debt only.
NFBK' s 10-Year Cash to Debt Range
Min: 0.07  Med: 0.31 Max: N/A
Current: 0.16
Equity to Asset 0.18
NFBK's Equity to Asset is ranked higher than
91% of the 1353 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. NFBK: 0.18 )
Ranked among companies with meaningful Equity to Asset only.
NFBK' s 10-Year Equity to Asset Range
Min: 0.11  Med: 0.19 Max: 0.27
Current: 0.18
0.11
0.27
Interest Coverage 2.09
NFBK's Interest Coverage is ranked higher than
58% of the 1269 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. NFBK: 2.09 )
Ranked among companies with meaningful Interest Coverage only.
NFBK' s 10-Year Interest Coverage Range
Min: 0.31  Med: 0.92 Max: 9999.99
Current: 2.09
0.31
9999.99
F-Score: 5
WACC vs ROIC
1.13%
1.84%
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 (%) 34.78
NFBK's Operating margin (%) is ranked higher than
62% of the 1421 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.31 vs. NFBK: 34.78 )
Ranked among companies with meaningful Operating margin (%) only.
NFBK' s 10-Year Operating margin (%) Range
Min: -254.95  Med: 32.20 Max: 50.7
Current: 34.78
-254.95
50.7
Net-margin (%) 21.73
NFBK's Net-margin (%) is ranked lower than
51% of the 1421 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.02 vs. NFBK: 21.73 )
Ranked among companies with meaningful Net-margin (%) only.
NFBK' s 10-Year Net-margin (%) Range
Min: 19.48  Med: 23.29 Max: 282.41
Current: 21.73
19.48
282.41
ROE (%) 3.15
NFBK's ROE (%) is ranked lower than
83% of the 1423 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.48 vs. NFBK: 3.15 )
Ranked among companies with meaningful ROE (%) only.
NFBK' s 10-Year ROE (%) Range
Min: 3.09  Med: 4.11 Max: 23.74
Current: 3.15
3.09
23.74
ROA (%) 0.64
NFBK's ROA (%) is ranked lower than
65% of the 1432 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. NFBK: 0.64 )
Ranked among companies with meaningful ROA (%) only.
NFBK' s 10-Year ROA (%) Range
Min: 0.62  Med: 0.76 Max: 2.23
Current: 0.64
0.62
2.23
Revenue Growth (3Y)(%) 7.70
NFBK's Revenue Growth (3Y)(%) is ranked higher than
72% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. NFBK: 7.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NFBK' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 1.10 Max: 467.7
Current: 7.7
0
467.7
EBITDA Growth (3Y)(%) 17.00
NFBK's EBITDA Growth (3Y)(%) is ranked higher than
73% of the 1066 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. NFBK: 17.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NFBK' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: -8.10 Max: 17.1
Current: 17
0
17.1
EPS Growth (3Y)(%) 11.00
NFBK's EPS Growth (3Y)(%) is ranked higher than
54% of the 1065 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.70 vs. NFBK: 11.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NFBK' s 10-Year EPS Growth (3Y)(%) Range
Min: 0  Med: -53.40 Max: 12.3
Current: 11
0
12.3
» NFBK's 10-Y Financials

Financials


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

» Details

Guru Trades

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
Q4 2014

NFBK Guru Trades in Q4 2014

Jim Simons 1,250,768 sh (+18.84%)
Paul Tudor Jones Sold Out
Charles Brandes 21,760 sh (-2.71%)
Michael Price 500,000 sh (-28.57%)
» More
Q1 2015

NFBK Guru Trades in Q1 2015

Jim Simons 1,321,868 sh (+5.68%)
Charles Brandes 20,060 sh (-7.81%)
Michael Price 346,800 sh (-30.64%)
» More
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
» 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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Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 35.66
NFBK's P/E(ttm) is ranked lower than
92% of the 1300 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. NFBK: 35.66 )
Ranked among companies with meaningful P/E(ttm) only.
NFBK' s 10-Year P/E(ttm) Range
Min: 26.21  Med: 39.86 Max: 61.09
Current: 35.66
26.21
61.09
Forward P/E 27.40
NFBK's Forward P/E is ranked lower than
97% of the 718 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.82 vs. NFBK: 27.40 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 36.60
NFBK's PE(NRI) is ranked lower than
92% of the 1288 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. NFBK: 36.60 )
Ranked among companies with meaningful PE(NRI) only.
NFBK' s 10-Year PE(NRI) Range
Min: 26  Med: 39.59 Max: 60.19
Current: 36.6
26
60.19
P/B 1.28
NFBK's P/B is ranked lower than
68% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. NFBK: 1.28 )
Ranked among companies with meaningful P/B only.
NFBK' s 10-Year P/B Range
Min: 0.89  Med: 1.31 Max: 1.65
Current: 1.28
0.89
1.65
P/S 7.82
NFBK's P/S is ranked lower than
94% of the 1426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. NFBK: 7.82 )
Ranked among companies with meaningful P/S only.
NFBK' s 10-Year P/S Range
Min: 6.56  Med: 9.01 Max: 12.7
Current: 7.82
6.56
12.7
PFCF 23.15
NFBK's PFCF is ranked lower than
83% of the 858 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.85 vs. NFBK: 23.15 )
Ranked among companies with meaningful PFCF only.
NFBK' s 10-Year PFCF Range
Min: 23.03  Med: 32.00 Max: 163.57
Current: 23.15
23.03
163.57
POCF 22.19
NFBK's POCF is ranked lower than
87% of the 954 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.17 vs. NFBK: 22.19 )
Ranked among companies with meaningful POCF only.
NFBK' s 10-Year POCF Range
Min: 20.17  Med: 28.39 Max: 280.5
Current: 22.19
20.17
280.5
EV-to-EBIT 35.94
NFBK's EV-to-EBIT is ranked lower than
87% of the 1297 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.56 vs. NFBK: 35.94 )
Ranked among companies with meaningful EV-to-EBIT only.
NFBK' s 10-Year EV-to-EBIT Range
Min: 23.2  Med: 37.80 Max: 78.8
Current: 35.94
23.2
78.8
PEG 3.52
NFBK's PEG is ranked lower than
86% of the 612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. NFBK: 3.52 )
Ranked among companies with meaningful PEG only.
NFBK' s 10-Year PEG Range
Min: 1.71  Med: 6.78 Max: 119.5
Current: 3.52
1.71
119.5
Shiller P/E 41.16
NFBK's Shiller P/E is ranked lower than
91% of the 784 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.97 vs. NFBK: 41.16 )
Ranked among companies with meaningful Shiller P/E only.
NFBK' s 10-Year Shiller P/E Range
Min: 27.41  Med: 38.56 Max: 49.24
Current: 41.16
27.41
49.24
Days Sales Outstanding 33.93
NFBK's Days Sales Outstanding is ranked higher than
51% of the 793 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.20 vs. NFBK: 33.93 )
Ranked among companies with meaningful Days Sales Outstanding only.
NFBK' s 10-Year Days Sales Outstanding Range
Min: 34.49  Med: 42.90 Max: 57.35
Current: 33.93
34.49
57.35

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.89
NFBK's Dividend Yield is ranked lower than
70% of the 2262 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.73 vs. NFBK: 1.89 )
Ranked among companies with meaningful Dividend Yield only.
NFBK' s 10-Year Dividend Yield Range
Min: 0.35  Med: 1.48 Max: 1.93
Current: 1.89
0.35
1.93
Dividend Payout 0.68
NFBK's Dividend Payout is ranked lower than
86% of the 1321 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. NFBK: 0.68 )
Ranked among companies with meaningful Dividend Payout only.
NFBK' s 10-Year Dividend Payout Range
Min: 0.42  Med: 0.67 Max: 1.67
Current: 0.68
0.42
1.67
Dividend growth (3y) 4.20
NFBK's Dividend growth (3y) is ranked lower than
62% of the 671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. NFBK: 4.20 )
Ranked among companies with meaningful Dividend growth (3y) only.
NFBK' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 0.00 Max: 79.2
Current: 4.2
0
79.2
Yield on cost (5-Year) 2.67
NFBK's Yield on cost (5-Year) is ranked lower than
60% of the 2265 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.15 vs. NFBK: 2.67 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
NFBK' s 10-Year Yield on cost (5-Year) Range
Min: 0.5  Med: 2.11 Max: 2.75
Current: 2.67
0.5
2.75
Share Buyback Rate 4.20
NFBK's Share Buyback Rate is ranked higher than
95% of the 1012 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. NFBK: 4.20 )
Ranked among companies with meaningful Share Buyback Rate only.
NFBK' s 10-Year Share Buyback Rate Range
Min: 63  Med: -9.15 Max: -25.9
Current: 4.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.29
NFBK's Price/Tangible Book is ranked lower than
62% of the 1349 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. NFBK: 1.29 )
Ranked among companies with meaningful Price/Tangible Book only.
NFBK' s 10-Year Price/Tangible Book Range
Min: 0.91  Med: 1.36 Max: 1.7
Current: 1.29
0.91
1.7
Price/Projected FCF 0.95
NFBK's Price/Projected FCF is ranked lower than
77% of the 806 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. NFBK: 0.95 )
Ranked among companies with meaningful Price/Projected FCF only.
NFBK' s 10-Year Price/Projected FCF Range
Min: 0.86  Med: 1.31 Max: 3.93
Current: 0.95
0.86
3.93
Price/Median PS Value 0.87
NFBK's Price/Median PS Value is ranked higher than
73% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.05 vs. NFBK: 0.87 )
Ranked among companies with meaningful Price/Median PS Value only.
NFBK' s 10-Year Price/Median PS Value Range
Min: 0.74  Med: 1.01 Max: 1.39
Current: 0.87
0.74
1.39
Price/Peter Lynch Fair Value 4.19
NFBK's Price/Peter Lynch Fair Value is ranked lower than
99% of the 371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.92 vs. NFBK: 4.19 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
NFBK' s 10-Year Price/Peter Lynch Fair Value Range
Min: 1.3  Med: 3.19 Max: 6.95
Current: 4.19
1.3
6.95
Price/Graham Number 1.45
NFBK's Price/Graham Number is ranked lower than
90% of the 1192 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. NFBK: 1.45 )
Ranked among companies with meaningful Price/Graham Number only.
NFBK' s 10-Year Price/Graham Number Range
Min: 1.28  Med: 1.51 Max: 1.92
Current: 1.45
1.28
1.92
Earnings Yield (Greenblatt) (%) 2.72
NFBK's Earnings Yield (Greenblatt) (%) is ranked lower than
79% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. NFBK: 2.72 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
NFBK' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1.3  Med: 2.60 Max: 4.3
Current: 2.72
1.3
4.3
Forward Rate of Return (Yacktman) (%) 11.36
NFBK's Forward Rate of Return (Yacktman) (%) is ranked lower than
56% of the 785 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.29 vs. NFBK: 11.36 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
NFBK' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 1.7  Med: 6.30 Max: 24.6
Current: 11.36
1.7
24.6

Analyst Estimate

Dec15 Dec16
EPS($) 0.46 0.54
EPS without NRI($) 0.46 0.54

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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