Northfield BancorpNFBK -0.74%61 5-Year Yield-on-Cost % is 4.04 as of Jul. 05, 2026, which is 5% above its 10-year median of 3.83. 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 1,256 Banks companies, Northfield Bancorp ranks better than 52.63% on this metric.
Northfield Bancorp's yield on cost for the quarter that ended in Mar. 2026 was 4.04.
The historical rank and industry rank for Northfield Bancorp's 5-Year Yield-on-Cost % or its related term are showing as below:
NFBK'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.68 Med: 3.83 Max: 7.67
Current: 4.04
During the past 13 years, Northfield Bancorp's highest Yield on Cost was 7.67. The lowest was 1.68. And the median was 3.83.
NFBK's 5-Year Yield-on-Cost % is ranked better than 52.63% of 1256
companies
in the Banks industry
Industry Median: 3.905
vs NFBK: 4.04
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Northfield Bancorp 5-Year Yield-on-Cost % Related Terms
NFBK vs RCBC, NRIM, ACNB: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Northfield Bancorp's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Northfield Bancorp's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Northfield Bancorp's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Northfield Bancorp (NFBK) has a 5-Year Yield-on-Cost % of 4.04 as of Jul. 05, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Northfield Bancorp and its competitors. This is near median its historical median of 3.83. Over the past decade, Northfield Bancorp's 5-Year Yield-on-Cost % has ranged from 1.68 to 7.67. According to the industry distribution chart, Northfield Bancorp ranks #595 out of 1256 companies in the Banks industry, placing it in the top 47.4%.
Is Northfield Bancorp's 5-Year Yield-on-Cost % too high?
Northfield Bancorp's current 5-Year Yield-on-Cost % of 4.04 is near median its 10-year median of 3.83. Over the past 10 years, this metric has ranged from a low of 1.68 to a high of 7.67. The Banks industry median 5-Year Yield-on-Cost % is 3.91. Northfield Bancorp's value of 4.04 is 3.5% above this industry median. Based on the distribution chart, Northfield Bancorp ranks #595 out of 1256 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 5-Year Yield-on-Cost % compare to RCBC and NRIM?
According to the Banks industry distribution chart, Northfield Bancorp ranks #595 out of 1256 companies for 5-Year Yield-on-Cost %. This puts Northfield Bancorp in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.91. Northfield Bancorp's value of 4.04 is 3.5% above this benchmark. Historically, Northfield Bancorp's own 5-Year Yield-on-Cost % has ranged from 1.68 to 7.67 over the past decade. While the company's 10-year median is 3.83 vs. the industry median of 3.91, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.91, based on 1,256 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Northfield Bancorp's current 5-Year Yield-on-Cost % of 4.04 is 3.5% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Northfield Bancorp and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Northfield Bancorp's current 5-Year Yield-on-Cost % is 4.04, which is near median its own 10-year median of 3.83. 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 5-Year Yield-on-Cost % is 4.04, which is near median its 10-year median of 3.83 and 3.5% above the Banks industry median of 3.91. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Northfield Bancorp (NFBK), the current 5-Year Yield-on-Cost % is 4.04 as of Jul. 05, 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:
5-Year Yield-on-Cost %: 4.04 (near median its 10-year median of 3.83)
GF Value™: $13.29 vs. price of $14.79 (11.3% above fair value)
Industry Position: 3.5% above the Banks median (#595 of 1256)
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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