NFBK
Financial ServicesNorthfield Bancorp, Inc. · Banks - Regional · $590M
What is Northfield Bancorp, Inc.?
Northfield Bancorp is the holding company for Northfield Bank, a community-focused institution serving individuals and businesses across the New York and New Jersey metro area. The bank traces its roots to 1887 and operates dozens of full-service branches.
Northfield Bank generates revenue primarily through traditional community banking — gathering deposits and deploying them into loans. Its lending book centers on multifamily and commercial real estate, supplemented by residential mortgages and commercial and industrial loans. The bank also invests in mortgage-backed securities and other fixed-income instruments to manage its balance sheet and generate additional interest income.
Northfield Bancorp, Inc. was incorporated in 2007 and is headquartered in Woodbridge, New Jersey.
- Deposit accounts — savings, checking, money market, and CDs
- Multifamily and commercial real estate loans
- Residential mortgage and home equity products
- Commercial and industrial lending
Is NFBK a Good Stock to Buy?
UQS Score rates NFBK as Below Average overall, reflecting meaningful challenges across several key dimensions.
Valuation is the standout pillar for NFBK, rated Good — suggesting the stock may be priced at a discount relative to its fundamentals. Quality lands at a Neutral rating, meaning the bank's core financial health is neither a clear strength nor a drag.
Moat, Growth, and Risk all carry Weak ratings, pointing to limited competitive differentiation, subdued expansion prospects, and above-average risk factors for a small-cap community bank.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does NFBK pay dividends?
Yes — Northfield Bancorp, Inc. pays a dividend.
Northfield Bancorp pays a regular dividend, which is common among community banks that prioritize returning capital to shareholders. For income-oriented investors, the dividend adds a tangible return component. Prospective investors should review current payout details on the company's investor relations page, as dividend levels can change with earnings performance.
When does NFBK report earnings?
Northfield Bancorp reports earnings on a quarterly cadence, typical for US-listed bank holding companies.
The bank's recent results reflect the pressures facing community lenders — including interest rate sensitivity and competition for deposits. Growth metrics have remained subdued, consistent with the Weak Growth pillar rating in the UQS framework.
For the most recent quarter's results and guidance, visit Northfield Bancorp's investor relations page directly.
NFBK Price History
-1.4% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Northfield Bancorp, Inc.?
Based on Northfield Bancorp, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
NFBK Long-term Outlook
The fundamental outlook for NFBK is cautious. Weak Growth and Weak Risk pillar ratings suggest limited near-term earnings expansion and meaningful sensitivity to credit or rate-cycle headwinds. The Good Valuation rating, however, indicates the market may already be pricing in these challenges, which could limit further downside for patient investors.
Growth drivers
- Potential loan growth in the New York and New Jersey metro market
- Repricing of the deposit and loan book as interest rate conditions evolve
- Disciplined cost management at the branch level
Key risks
- Elevated credit risk in the commercial real estate lending portfolio
- Competitive deposit-gathering environment pressuring net interest margins
- Limited scale relative to larger regional and national bank peers
NFBK vs Peers
Northfield Bancorp competes in the community banking space alongside other small-cap regional institutions.
Third Coast operates as a growth-oriented Texas-based commercial bank, with a business model focused more heavily on commercial lending than Northfield's deposit-driven community approach.
Peoples Financial serves communities across Pennsylvania and surrounding states, offering a similarly traditional community banking model but with a different geographic footprint.
Bar Harbor Bankshares focuses on northern New England markets, giving it a distinct regional concentration compared to Northfield's New York and New Jersey base.
Frequently Asked Questions
What does Northfield Bancorp do?
Northfield Bancorp is the holding company for Northfield Bank, a community bank serving individuals and businesses in Staten Island, Brooklyn, and parts of New Jersey. It takes in deposits and makes loans — primarily in multifamily real estate, commercial property, and residential mortgages — while also investing in fixed-income securities.
Does NFBK pay dividends?
Yes, Northfield Bancorp pays a regular dividend. Community banks like Northfield often return capital to shareholders through dividends given their relatively stable, deposit-funded business models. Check the company's investor relations page for the current dividend rate and payment schedule.
When does NFBK report earnings?
Northfield Bancorp reports earnings quarterly, in line with standard US-listed company requirements. For exact dates of upcoming earnings releases, refer to the company's investor relations page or a financial calendar service.
Is NFBK a good stock to buy?
The UQS Score rates NFBK as Below Average, driven by Weak ratings on Moat, Growth, and Risk. The Valuation pillar is rated Good, which may appeal to value-oriented investors. Whether it fits your portfolio depends on your risk tolerance and investment goals — the full pillar breakdown is available to UQS Pro members.
Is NFBK overvalued?
Based on the UQS Valuation pillar, NFBK is rated Good — suggesting the stock is not considered overvalued relative to its fundamentals. For investors focused on price relative to earnings power, this is one of the more favorable aspects of the NFBK profile.
How does NFBK compare to its competitors?
Northfield Bancorp competes with other small-cap community banks such as Third Coast Bancshares, Peoples Financial Services, and Bar Harbor Bankshares. Each operates in different regional markets with varying business mixes. UQS Pro members can view side-by-side pillar comparisons across these peers.
What is NFBK's market cap bracket?
NFBK is classified as a small-cap stock. This places it in a segment of the market that can offer value opportunities but also carries higher liquidity risk and less analyst coverage than larger bank holding companies.
Who founded Northfield Bancorp?
Northfield Bank itself was established in 1887, making it one of the older community banking institutions in the New York area. The current holding company structure, Northfield Bancorp, Inc., was formed in 2007. Founding details are widely available through the company's public filings and history.
Is NFBK a long-term quality investment?
As a long-term quality indicator, NFBK's Below Average UQS Score — with Weak Moat and Weak Growth ratings — suggests limited structural advantages that would compound value over time. The Good Valuation rating may offer a margin of safety, but long-term investors should weigh the competitive and growth challenges carefully.
What is the main competitive advantage of Northfield Bancorp?
Northfield Bank's primary advantage is its long-standing community presence in the Staten Island and New Jersey markets, built over more than a century. However, the UQS Moat pillar rates this as Weak, indicating that local brand recognition alone provides limited protection against larger regional and national competitors.
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Pro Analysis
NFBK — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 22, 2026 | 36.9 | 32.3 | 16.0 | 25.8 | 51.8 | 79.1 | +2.6 |
| May 3, 2026 | 34.3 | 45.8 | 16.0 | 25.8 | 12.0 | 79.1 | 0.0 |
| Apr 18, 2026 | 34.3 | 45.8 | 16.0 | 25.8 | 12.0 | 79.2 | -2.9 |
| Apr 2, 2026 | 37.3 | 45.8 | 16.0 | 25.8 | 12.0 | 99.1 | — |
NFBK — Pillar Breakdown
Quality
— 32.3/100 (25%)Northfield Bancorp, Inc. currently shows below-average quality metrics, suggesting challenges with profitability.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 25.8/100 (20%)Northfield Bancorp, Inc. faces growth headwinds with declining or stagnant revenue trends.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 51.8/100 (15%)Northfield Bancorp, Inc. has some risk factors including moderate leverage or solvency concerns.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 79.1/100 (15%)Northfield Bancorp, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 16/100 (25%)Northfield Bancorp, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for NFBK.
Score Composition
Financial Data
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How is the NFBK UQS Score Calculated?
The UQS (Unified Quality Score) for Northfield Bancorp, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Northfield Bancorp, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Northfield Bancorp, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.