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Northfield Bancorp, Inc. NFBK NASDAQ

NASDAQ Global Select • Financial Services • Banks - Regional • US • USD

SharesGrow Score
39/100
1/7 Pass
SharesGrow Intrinsic Value
$20.52
+48.3%
Analyst Price Target
$14.50
+4.8%

Northfield Bancorp, Inc. (NFBK) is a Banks - Regional company in the Financial Services sector, currently trading at $13.84. It has a SharesGrow Score of 39/100, indicating a weak investment profile with 1 out of 7 criteria passed.

SharesGrow calculates the intrinsic value of NFBK = $20.52 (+48.3% from the current price, the stock appears undervalued). Analyst consensus target is NFBK = $15 (+4.8% upside).

Valuation: NFBK trades at a trailing Price-to-Earnings (P/E) of 694.3 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 62.48.

Financials: revenue is $184M, +1.6%/yr average growth. Net income is $796,000, growing at -52.1%/yr. Net profit margin is 0.4% (thin). Gross margin is 35.3% (-50.9 pp trend).

Balance sheet: total debt is $992M against $690M equity (Debt-to-Equity (D/E) ratio 1.44, moderate). Current ratio is 0.36 (tight liquidity). Debt-to-assets is 17.2%. Total assets: $5.8B.

Analyst outlook: 2 / 9 analysts rate NFBK as buy (22%) — mixed sentiment.

SharesGrow 7-Criteria breakdown: Value 24/100 (Fail), Growth 30/100 (Fail), Past 100/100 (Pass), Health 17/100 (Fail), Moat 35/100 (Fail), Future 34/100 (Fail), Income 30/100 (Fail).

$14.50
▲ 4.77% Upside
Average Price Target
The 12-month price target for Northfield Bancorp, Inc. is $14.50.

NFBK SharesGrow Score Overview

39/100
SharesGrow Score
Below average — proceed with caution
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VALUE 24/100
Valuation — P/E, PEG, Forward PEG
GROWTH 30/100
Financials — average growth
PAST 100/100
strong — trend
HEALTH 17/100
Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is
MOAT 35/100
Gross margin is + market cap
FUTURE 34/100
Analyst outlook — as buy
INCOME 30/100
Net profit margin is
Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — NFBK

VALUE Fail
24/100
NFBK trades at a trailing Price-to-Earnings (P/E) of 694.3 (S&P 500 average ~25). Forward PEG 62.48 — overvalued. Analyst consensus target is $15, implying +8.4% from the current price $14. Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.
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GROWTH Fail
30/100
NFBK: +1.6%/yr revenue is, -52.1%/yr Net income is average growth. mixed. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.
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PAST Pass
100/100
NFBK: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.
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HEALTH Fail
17/100
Balance sheet NFBK: Debt-to-Equity (D/E) ratio 1.44 (moderate), Current ratio is 0.36 (tight liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.
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MOAT Fail
35/100
NFBK: Gross margin is 35.3% (-50.9 pp trend), N/A market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 35/100. ≥ 70 = Pass.
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FUTURE Fail
34/100
Analyst outlook: 2 / 9 analysts rate NFBK as buy (22%). Analyst consensus target is $15 (+8.4% upside). Score: 60% buy consensus + 40% upside. ≥ 60 = Pass.
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INCOME Fail
30/100
NFBK: Net profit margin is 0.4%. thin (0-5%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.
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Stock Chart & Stats

Market Data
52-Week Range9.4-14.05
Volume250.03K
Avg Volume (30D)349.33K
Market Cap$578.01M
Beta (1Y)0.73
Dividend Yield$0.5200
Share Statistics
EPS (TTM)0.02
Shares Outstanding$40.12M
IPO Date2007-11-08
Employees357
CEOSteven Klein
Financial Highlights & Ratios
Revenue (TTM)$184.25M
Gross Profit$65.12M
EBITDA$25.02M
Net Income$796K
Operating Income$17.05M
Total Cash$1.42B
Total Debt$991.52M
Net Debt$979.47M
Total Assets$5.75B
Price / Earnings (P/E)699
Price / Sales (P/S)3.14
Analyst Forecast
1Y Price Target$14.50
Target High$14.50
Target Low$14.50
Upside+4.8%
Rating ConsensusHold
Analysts Covering9
Buy 22% Hold 78% Sell 0%
Price Target Summary
Company Info
CountryUS
ExchangeNASDAQ Global Select
CurrencyUSD
ISINUS66611T1088

Price Chart

NFBK
Northfield Bancorp, Inc.  ·  NASDAQ Global Select
Financial Services • Banks - Regional
9.40 52WK RANGE 14.05
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