Northfield Bancorp Inc. Common Stock (Delaware) (NFBK)

FairStock Score: 20/100 — RISKY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I approach a small bank first through asset value and earning power, not through cash-flow measures that do not fit lenders. Northfield is a $568.6 million market-cap regional bank; at the 2026-07-28 close of $15.31, FairStock shows P/B of 0.92 and P/E of 117.77. The business is a traditional deposit-taking lender with commercial real estate, multifamily, construction, and C&I exposure, so credit underwriting is central. The latest reported quarter, 2026-Q1, had $40.4 million of revenue and $11.8 million of net income, a 29.33% margin, so the core franchise is not losing money. But FairStock EPS of $0.13, ROE of 0.68%, and ROCE of 0.08% are thin; a 3.40% dividend and beta of 0.70 suggest some income and defensiveness, while Piotroski 6/9 is acceptable but not compelling. The FairStock score of 20/100 and PEG of 2.34 tell me the market price is not supported by demonstrated growth. I would not call this a bargain merely because it trades below book; Graham's margin of safety requires reliable earning power. The data do not include CET1, net interest margin, loan-loss reserves, nonperforming loans, or credit metrics, and a combined ratio is not supplied and is not a normal bank measure. Without those, I cannot judge leverage or credit risk. The Lynch category is none because only zero years of filed results fit the rule, so the record is too short for a confident classification. Net: a modest, low-beta bank with positive quarterly earnings but very poor returns and an optically cheap, earnings-expensive valuation.

In plain English: Northfield Bancorp is a small regional bank. It earns very little compared with its share price, although the shares trade a little below the accounting value of the company's net worth, and it pays a 3.4% dividend. Overall, the business looks weak on profit, while the price looks mixed: cheap on assets but expensive on earnings.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-07-28 close · note generated 2026-10-28 · model deepseek-flash

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer