NFBK Research | Milton Maxwell

NFBK

Northfield Bancorp, Inc. (Staten Island, NY)

12.18

+0.03+0.25%

Dec 16, 4:00:00 PM EST

Upcoming Earnings

Report date

≈ Jan 21, 2026

Earnings Call Transcripts

This Quarter (Q4 '25)

No earnings call transcript available yet

Last Quarter (Q3 '25)

No earnings call transcript available

Key Stats

Market Cap

509.25M

P/E (TTM)

12.56

Basic EPS (TTM)

0.97

Dividend Yield

0.04%

Recent Filings

8-K

Conference presentation live

11/10/25Nov 10, 2025

Northfield Bancorp management participates in the Piper Sandler Financial Services Conference in Miami on November 11, 2025. Presentation materials go live November 10 at 5:00 p.m. ET on eNorthfield.com's IR site, staying up 30 days. Investors get a peek into strategy.

10-Q

Q3 FY2025 results

11/7/25Nov 7, 2025

Northfield Bancorp posted Q3 net income of $10.8M, up 65% y/y, with diluted EPS steady at $0.27 on 39.8M shares. Net interest income jumped 22% y/y to $34.5M (derived), fueled by higher MBS yields while deposit costs eased; provision fell to $1.1M amid lower charge-offs. Loans dipped 3% q/q to $3.9B, deposits slid to $4.0B, but cash sat at $132M with borrowings up to $880M. Equity climbed to $720M. Non-performing loans ticked to 0.49%. CRE concentration looms large.

8-K

Q3 EPS $0.27, NIM 2.54%

10/23/25Oct 23, 2025

Northfield Bancorp posted Q3 net income of $10.8M ($0.27/share), up from $9.6M prior quarter and $6.5M year ago, fueled by $34.5M net interest income (NIM 2.54%) and lower provision for credit losses. Deposits excluding brokered rose $32.6M while loans dipped modestly on multifamily runoff; non-performers ticked to 0.49%. Dividend holds at $0.13/share, payable November 19. CRE concentration looms large.

10-Q

Q2 FY2025 results

8/8/25Aug 8, 2025

Northfield Bancorp posted solid Q2 FY2025 results, with net interest income up 20% y/y to $34.4M on higher yields from mortgage-backed securities and loans, while interest expense fell 11% y/y to $28.0M from lower borrowings costs. Net income hit $9.6M or $0.24 diluted EPS, up 61% y/y, though provision for credit losses swung to $2.1M from a $0.6M benefit. Loans dipped 2.6% q/q to $3.92B, trimming multifamily exposure, yet deposits held at $4.0B with $98M cash; FHLB advances rose to $832M. Repurchased $10M in stock. Non-performing loans improved to 0.36%. CRE concentration remains a key watch.

8-K

Q2 EPS $0.24, NIM 2.57%

7/25/25Jul 25, 2025

Northfield Bancorp posted Q2 net income of $9.6M ($0.24/share), up from $7.9M prior quarter and $6.0M year ago, as net interest margin swelled 19bps to 2.57% on lower funding costs despite higher credit provisions. Non-performing loans improved to 0.36%. Completed $10M buyback; declared $0.13/share dividend payable August 20.

About

Northfield Bancorp, Inc. (Staten Island, NY) operates as the bank holding company for Northfield Bank that provides a range of banking services primarily to individuals and corporate customers. It offers deposit accounts, including passbook, statement, money market savings, and transaction deposit accounts, as well as certificates of deposit. The company also provides commercial and industrial and owner-occupied commercial real estate loans; one-to-four family residential real estate loans; construction and land loans; home equity loans and lines of credit; and small business loans. In addition, it purchases investment securities, including mortgage-backed securities and corporate bonds, and deposit funds in other financial institutions. Further, the company provides automated teller machines and debit cards; telephone, internet, and mobile banking services; and ACH and wire transfers, cash management, positive pay, and remote deposit capture services. It operates in Richmond and Kings counties in New York; and Hunterdon, Mercer, Union, and Middlesex counties in New Jersey. Northfield Bancorp, Inc. (Staten Island, NY) was founded in 1887 and is headquartered in Woodbridge, New Jersey.

CEO

Mr. Steven M. Klein CPA

IPO

11/8/2007

Website

https://ir.enorthfield.com

Employees

357

Sector

Financial Services

Industry

Banks - Regional