Northfield BancorpNFBK -0.74%61 Net Margin % is 29.33% as of Mar. 2026, which is 9% above its 10-year median of 26.88. GuruFocus rates NFBK with a GF Score™ of 61/100 and a GF Value™ of $13.29 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 1,528 Banks companies, Northfield Bancorp ranks worse than 93.59% on this metric.
The historical rank and industry rank for Northfield Bancorp's Net Margin % or its related term are showing as below:
NFBK'
s Net Margin % Range Over the Past 10 Years
Min: 0.52 Med: 26.88 Max: 41.54
Current: 2.98
NFBK's Net Margin % is ranked worse than 93.59% of 1528
companies
in the Banks industry
Industry Median: 26.81
vs NFBK: 2.98
Northfield Bancorp (NAS:NFBK) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Northfield Bancorp Net Margin % Related Terms
Northfield Bancorp Net Margin % Historical Data
* Premium members only.
The historical data trend for Northfield Bancorp's Net Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Northfield Bancorp's Net Margin %, along with its competitors' market caps and Net Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Northfield Bancorp Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Northfield Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where Northfield Bancorp's Net Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Northfield Bancorp (NFBK) has a Net Margin % of 29.33% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Northfield Bancorp and its competitors. This is near median its historical median of 26.88. Over the past decade, Northfield Bancorp's Net Margin % has ranged from 0.52 to 41.54. According to the industry distribution chart, Northfield Bancorp ranks #1430 out of 1528 companies in the Banks industry, placing it in the top 93.6%.
Is Northfield Bancorp's Net Margin % too high?
Northfield Bancorp's current Net Margin % of 29.33% is near median its 10-year median of 26.88. Over the past 10 years, this metric has ranged from a low of 0.52 to a high of 41.54. The Banks industry median Net Margin % is 26.81. Northfield Bancorp's value of 29.33% is 9.4% above this industry median. Based on the distribution chart, Northfield Bancorp ranks #1430 out of 1528 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Northfield Bancorp has a GF Score™ of 61/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Northfield Bancorp's Net Margin % compare to RCBC and NRIM?
According to the Banks industry distribution chart, Northfield Bancorp ranks #1430 out of 1528 companies for Net Margin %. This places Northfield Bancorp in the lower half of its industry. The industry median Net Margin % is 26.81. Northfield Bancorp's value of 29.33% is 9.4% above this benchmark. Historically, Northfield Bancorp's own Net Margin % has ranged from 0.52 to 41.54 over the past decade. While the company's 10-year median is 26.88 vs. the industry median of 26.81, Northfield Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.81, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Northfield Bancorp's current Net Margin % of 29.33% is 9.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Northfield Bancorp and its competitors. For the Banks industry, the median Net Margin % is 26.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Northfield Bancorp's current Net Margin % is 29.33%, which is near median its own 10-year median of 26.88. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Northfield Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Northfield Bancorp (NFBK) is currently considered Modestly Overvalued. The stock's GF Value™ is $13.29, compared to a current price of $14.79 — trading 11.3% above its estimated fair value. The current Net Margin % is 29.33%, which is near median its 10-year median of 26.88 and 9.4% above the Banks industry median of 26.81. Northfield Bancorp's overall GF Score™ is 61/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Northfield Bancorp (NFBK), the current Net Margin % is 29.33% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Northfield Bancorp (NFBK) Overvalued in 2026?
Based on GuruFocus' analysis, Northfield Bancorp stock appears to be overvalued.
The current stock price of $14.79 is trading 11.3% above its estimated GF Value™ of $13.29.
GuruFocus considers Northfield Bancorp to be Modestly Overvalued.
Key valuation signals for NFBK:
Net Margin %: 29.33% (near median its 10-year median of 26.88)
GF Value™: $13.29 vs. price of $14.79 (11.3% above fair value)
Industry Position: 9.4% above the Banks median (#1430 of 1528)
No single metric tells the full story. See the NFBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Northfield Bancorp Inc is the holding company for Northfield Bank. Its subsidiary provides banking services to individuals and corporate customers in Richmond and Kings Counties in New York, and Hunterdon, Mercer, Union, and Middlesex counties in New Jersey. The bank attracts deposits and offers credit and other banking services.
61GF Score
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