Northfield Bancorp, Inc.
Northfield Bancorp, Inc. Fundamental Analysis
Northfield Bancorp, Inc. (NFBK) shows weak financial fundamentals with a PE ratio of 114.81, profit margin of 2.59%, and ROE of 0.68%. The company generates $0.2B in annual revenue with weak year-over-year growth of -26.69%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of -2.1/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze NFBK's fundamental strength across five key dimensions:
Efficiency Score
WeakNFBK struggles to generate sufficient returns from assets.
Valuation Score
ModerateNFBK shows balanced valuation metrics.
Growth Score
WeakNFBK faces weak or negative growth trends.
Financial Health Score
ModerateNFBK shows balanced financial health with some risks.
Profitability Score
ModerateNFBK maintains healthy but balanced margins.
Key Financial Metrics
Is NFBK Expensive or Cheap?
P/E Ratio
NFBK trades at 114.81 times earnings. This suggests a premium valuation.
PEG Ratio
When adjusting for growth, NFBK's PEG of 0.10 indicates potential undervaluation.
Price to Book
The market values Northfield Bancorp, Inc. at 0.79 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 47.94 times EBITDA. This signals the market has high growth expectations.
How Well Does NFBK Make Money?
Net Profit Margin
For every $100 in sales, Northfield Bancorp, Inc. keeps $2.59 as profit after all expenses.
Operating Margin
Core operations generate 26.52 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $0.68 in profit for every $100 of shareholder equity.
ROA
Northfield Bancorp, Inc. generates $0.08 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Northfield Bancorp, Inc. generates strong operating cash flow of $56.37M, reflecting robust business health.
Free Cash Flow
Northfield Bancorp, Inc. generates strong free cash flow of $54.75M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $1.31 in free cash annually.
FCF Yield
NFBK converts 9.17% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
114.81
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.10
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.79
vs 25 benchmark
P/S Ratio
Price to sales ratio
3.12
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.00
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.007
vs 25 benchmark
ROA
Return on assets percentage
0.001
vs 25 benchmark
ROCE
Return on capital employed
0.009
vs 25 benchmark
How NFBK Stacks Against Its Sector Peers
| Metric | NFBK Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 114.81 | 18.99 | Worse (Expensive) |
| ROE | 0.68% | 821.00% | Weak |
| Net Margin | 2.59% | 1914.00% | Weak |
| Debt/Equity | 0.00 | 1.00 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 657.31 | Weak Liquidity |
| ROA | 0.08% | -25084.00% (disorted) | Weak |
NFBK outperforms its industry in 1 out of 6 key metrics, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Northfield Bancorp, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
24.58%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
-97.39%
Industry Style: Value, Dividend, Cyclical
DecliningFCF CAGR
18.12%
Industry Style: Value, Dividend, Cyclical
High Growth