Northfield BancorpNFBK -0.74%61 OCF Margin % is 48.99% as of Mar. 2026, which is 32% above its 10-year median of 37.13. 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 1,502 Banks companies, Northfield Bancorp ranks better than 65.65% on this metric.
The historical rank and industry rank for Northfield Bancorp's OCF Margin % or its related term are showing as below:
NFBK'
s OCF Margin % Range Over the Past 10 Years
Min: 23.69 Med: 37.13 Max: 50.11
Current: 40.06
During the past 13 years, the highest OCF Margin % of Northfield Bancorp was 50.11%. The lowest was 23.69%. And the median was 37.13%.
NFBK's OCF Margin % is ranked better than 65.65% of 1502
companies
in the Banks industry
Industry Median: 29.405
vs NFBK: 40.06
Northfield Bancorp OCF Margin % Related Terms
Northfield Bancorp OCF Margin % Historical Data
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The historical data trend for Northfield Bancorp's OCF 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Northfield Bancorp's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Northfield Bancorp's OCF 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 OCF Margin % of 48.99% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Northfield Bancorp and its competitors. This is 32% above median its historical median of 37.13. Over the past decade, Northfield Bancorp's OCF Margin % has ranged from 23.69 to 50.11. According to the industry distribution chart, Northfield Bancorp ranks #516 out of 1502 companies in the Banks industry, placing it in the top 34.4%.
Is Northfield Bancorp's OCF Margin % too high?
Northfield Bancorp's current OCF Margin % of 48.99% is 32% above median its 10-year median of 37.13. Over the past 10 years, this metric has ranged from a low of 23.69 to a high of 50.11. The Banks industry median OCF Margin % is 29.41. Northfield Bancorp's value of 48.99% is 66.6% above this industry median. Based on the distribution chart, Northfield Bancorp ranks #516 out of 1502 companies in the Banks industry, which is above the industry midpoint. 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 OCF Margin % compare to RCBC and NRIM?
According to the Banks industry distribution chart, Northfield Bancorp ranks #516 out of 1502 companies for OCF Margin %. This puts Northfield Bancorp in the upper half of its industry. The industry median OCF Margin % is 29.41. Northfield Bancorp's value of 48.99% is 66.6% above this benchmark. Historically, Northfield Bancorp's own OCF Margin % has ranged from 23.69 to 50.11 over the past decade. While the company's 10-year median is 37.13 vs. the industry median of 29.41, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.41, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Northfield Bancorp's current OCF Margin % of 48.99% is 66.6% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Northfield Bancorp and its competitors. For the Banks industry, the median OCF Margin % is 29.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Northfield Bancorp's current OCF Margin % is 48.99%, which is 32% above median its own 10-year median of 37.13. 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 OCF Margin % is 48.99%, which is 32% above median its 10-year median of 37.13 and 66.6% above the Banks industry median of 29.41. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Northfield Bancorp (NFBK), the current OCF Margin % is 48.99% 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:
OCF Margin %: 48.99% (32% above median its 10-year median of 37.13)
GF Value™: $13.29 vs. price of $14.79 (11.3% above fair value)
Industry Position: 66.6% above the Banks median (#516 of 1502)
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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