NFBK
Northfield Bancorp, Inc.Financial Services·Banks - Regional
$14.18
$592M market cap
Revenue
$131.2M
Free Cash Flow
$35.1M
Rev Growth
+0.0%
FCF Margin
26.7%
P/FCF
16.9x
EV/FCF
42.0x
Fwd EV/EBITDA
--
Fair Value
--
Upside
--
Northfield Bancorp, Inc. (Staten Island, NY) operates as the bank holding company for Northfield Bank that provides various banking services primarily to individuals and corporate customers. It accepts various deposits products, including certificates of deposit, passbook, statement, and money market savings accounts; transaction deposit accounts comprising negotiable orders of withdrawal accounts, and interest and non-interest-bearing checking accounts; individual retirement accounts; and broke
2-Year Price History
$14.17+74.5%
Quarterly Financials & Projections
Quarterly Waterfall ($ M)
| Period | Rev | EBITDA | OpIn | NI | OCF | FCF | CapEx | Cash | Debt | Shares | ROIC | IntCov | EV/EBITDA | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Act | 2026-Q1 | 62.9 | 13.5 | 13.5 | 11.8 | 19.8 | 19.6 | -0.2 | 11.6 | 892.3 | 39.9 | 3.1% | 0.5x | -- |
| Act | 2025-Q4 | 68.3 | -20.5 | -22.4 | -27.4 | 16.2 | 15.5 | -0.7 | 905.3 | 991.5 | 39.8 | -7.4% | -0.8x | -- |
Valuation & Metrics
Market Stats
Price$14.18
Market Cap$592M
Enterprise Value$1.5B
P/S Ratio4.5x
P/FCF16.9x
EV/FCF42.0x
FCF Margin (TTM)26.7%
FCF Yield5.9%
Dividend Yield (TTM)4.6%
Annual Dilution0.0%
CurrencyUSD
TTM Financial Snapshot
Revenue$131.2M
Net Income$-15.6M
Free Cash Flow$35.1M
Revenue Growth (YoY)+0.0%
EBITDA Margin-5.3%
Net Margin-11.9%
FCF Margin26.7%
CapEx % of Revenue0.7%
SBC % of Revenue0.7%
ROIC-2.1%
WC Change % Rev0.0%
Interest Coverage-0.1x
Forward Outlook & Risk
Short Interest
Short % of Float--
Short Shares0.7M
Days to Cover4.0
Change (vs Prior)-1.9%
Need at least 2 settlement dates for chart
Employees
Headcount357
Revenue / Employee$367,555
Gross Profit / Employee$215,784
Institutional Ownership
Headline & net flow
NEUTRAL
Net flow · —still filing
No float data — flow unavailable.
Ownership composition
Active
28.7%(+8.7% YoY)
144 filers
hedge / family / endowment
Retail funds
—
Fidelity, Schwab, 401(k)
Passive
28.2%(+3.5% YoY)
10 filers
Vanguard, iShares, SPDR
Market makers
0.3%(-0.3% YoY)
5 filers
Citadel, Susquehanna
Insiders
—
Form 4 — latest per insider
ActiveRetail fundsPassiveMarket makersRetail direct
Top holders
| Fund | $ value | Cost basis | Δ QoQ | Δ YoY | α life | Fund AUM |
|---|---|---|---|---|---|---|
| BlackRock, Inc.Passive | $70.8M | $10.71 | −$2.3M | −$8.2M | -0.2% | $5.69T |
| DIMENSIONAL FUND ADVISORS LPPassive | $34.6M | $11.88 | +$342K | −$1.6M | -0.4% | $480.92B |
| VANGUARD CAPITAL MANAGEMENT LLCPassive | $22.9M | $13.42 | +$22.7M | +$22.9M | — | $4.04T |
| RENAISSANCE TECHNOLOGIES LLC | $17.7M | $11.27 | +$3.1M | +$1.4M | +1.2% | $63.91B |
| STATE STREET CORPPassive | $14.3M | $10.90 | −$785K | −$2.5M | -0.2% | $2.89T |
| GEODE CAPITAL MANAGEMENT, LLCPassive | $12.6M | $10.25 | +$235K | +$35K | +2.3% | $1.61T |
| AMERICAN CENTURY COMPANIES INC | $11.7M | $11.15 | +$2.2M | +$2.5M | +0.7% | $193.48B |
| BALYASNY ASSET MANAGEMENT LLC | $11.4M | $13.37 | +$11.1M | +$11.2M | -0.4% | $48.01B |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $10.5M | $10.89 | +$320K | +$6.4M | +0.1% | $184.72B |
| M3F, Inc. | $10.5M | $13.42 | +$8.6M | +$10.5M | — | $404M |
| Qube Research & Technologies Ltd | $10.4M | $13.21 | +$9.8M | +$10.4M | +0.3% | $70.36B |
| TWO SIGMA INVESTMENTS, LP | $7.7M | $10.94 | +$3.7M | +$4.1M | -0.9% | $117.03B |
| AQR CAPITAL MANAGEMENT LLC | $6.9M | $10.01 | −$2.2M | −$1.8M | -0.2% | $218.19B |
| FMR LLC | $4.8M | $10.91 | +$573K | +$1.7M | -0.0% | $1.89T |
| NORTHERN TRUST CORPPassive | $4.5M | $12.26 | +$259K | −$685K | -0.2% | $755.34B |
| LMR Partners LLP | $4.4M | $13.42 | +$4.3M | +$4.4M | -2.0% | $8.84B |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $4.2M | $11.96 | −$112K | −$140K | +0.7% | $645.81B |
| VANGUARD PORTFOLIO MANAGEMENT LLCPassive | $3.7M | $13.42 | +$3.7M | +$3.7M | — | $1.91T |
| GOLDMAN SACHS GROUP INC | $3.4M | $10.17 | −$974K | −$123K | -0.2% | $760.93B |
| HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC | $3.4M | $9.37 | −$4.8M | −$8.8M | -0.1% | $31.89B |
Cost basis is a volume-weighted estimate from accumulation periods within our 13F history; holders who built their position before our window started will show a stale basis. % above the cost basis is the unrealized gain at the current price.
Trading behavior
Smart-money alpha (lifetime, %/qtr)NEUTRAL
Holders
+0.08%
avg per quarter
Holders (ex-self)
-0.01%
excl. this stock
Buyers (this Q)
-0.03%
75 buyers · $0.11B in
Sellers (this Q)
-0.21%
58 sellers · $0.01B out
alpha coverage: 91% of $ has a lifetime-alpha record
Holder behavior on this stocksource: stock
On big dips (−10%+)
-4.3%
how holders react when this stock falls
On quiet Qs
-6.2%
−10% to +10% baseline
On rallies (+10%+)
-22.2%
how they react when this stock rises
Holders' portfolio flow this Q
+3.9%
inflows — adds are organic
Sellers' portfolio flow this Q
+14.5%
Sellers grew AUM elsewhere — opinionated cut of this stock.
▸ Compare to holder-profile behavior (across all their stocks)
Holder dip (any stock)
-7.7%
Holder mid (any stock)
-6.3%
Holder rally (any stock)
-10.0%
Biggest decreases this quarter
Hillsdale Investment Management Inc.exited−$6.2MHOTCHKIS & WILEY CAPITAL MANAGEMENT LLC−$4.8Mα-0.1BlackRock, Inc.−$2.3Mα-0.2AQR CAPITAL MANAGEMENT LLC−$2.2Mα-0.2JACOBS LEVY EQUITY MANAGEMENT, INCexited−$2.1MCWA Asset Management Group, LLCexited−$1.9MMILLENNIUM MANAGEMENT LLCexited−$1.9MFourthstone LLCexited−$1.2MGOLDMAN SACHS GROUP INC−$974Kα-0.2STATE STREET CORP−$785Kα-0.2
New buyers this quarter
Top-5 holders · 47.3%
BlackRock, Inc.--
DIMENSIONAL FUND ADVISORS LP--
VANGUARD CAPITAL MANAGEMENT LLC--
RENAISSANCE TECHNOLOGIES LLC--
STATE STREET CORP--
Top Holders Over Time
5-year share-count history (top 10 holders by peak, incl. exited) + price
hover the chart for per-quarter detailprice (right axis)
RENAISSANCE TECHNOLOGIES LLC1.3MInvesco Ltd.48KJPMORGAN CHASE & CO16KAMERICAN CENTURY COMPANIES INC861KBALYASNY ASSET MANAGEMENT LLC839KHOTCHKIS & WILEY CAPITAL MANAGEMENT LLC248KBank of New York Mellon Corp227KARROWSTREET CAPITAL, LIMITED PARTNERSHIP777KM3F, Inc.777KQube Research & Technologies Ltd766K
Analyst Coverage
Analyst Coverage
Price Targets
Last Year (1 analysts)$14.50230.0%
Current Price$14.18
Analyst Ratings
2
7
Buy: 2Hold: 7Consensus: Hold
Corporate
Insider Trading (last 12mo)
Open-market only (Form 4 P-Purchase + S-Sale). Excludes grants, option exercises, tax withholding, gifts.
Officers & directors
Buys ($, 12mo)
$230K
2 txns · 2 insiders · 17,500 sh
Sells ($, 12mo)
$93K
2 txns · 1 insider · 8,000 sh
Recent transactions
| Date | Side | Insider | Title | Shares | Price | Dollars | Owned $ |
|---|---|---|---|---|---|---|---|
| 2026-03-19 | BUY | Fasanella David | officer: EVP | 7,500 | $13.07 | $98K | $150K |
| 2026-03-17 | BUY | Stahlin Paul | director | 10,000 | $13.19 | $132K | $717K |
| 2025-06-20 | SELL | Stahlin Paul | director | 4,769 | $11.66 | $56K | $517K |
| 2025-06-18 | SELL | Stahlin Paul | director | 3,231 | $11.66 | $38K | $573K |
Order Flow (FINRA, ~3w lag)
21.1%retail+0.3pp
14.3%dark-3.2pp
week of 2026-04-13
Off-exchange volume from FINRA. Retail = non-ATS (wholesaler PFOF + broker internalization). Dark = ATS (dark-pool crossing networks, institutional). Lit-exchange = remainder.
Filing Risk Analysis
Filing Risk Scores
Northfield Bancorp, Inc.: Routine Regulatory Compliance Masking Significant Information Gaps
Overall Risk
3/10
Fraud
1/10
Dilution
2/10
Insolvency
3/10
Earnings Overstated
2/10
Hidden Liabilities
2/10
Legal
2/10
Audit Warnings
1/10
Hidden Upside
2/10
Contextually Acceptable
10/10