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Intrinsic value of Northfield Bancorp, Inc. (NFBK)

Previous Close$14.90
Intrinsic Value
Upside potential
Previous Close
$14.90
* Our model cannot be used “out of the box” for the valuation of this stock. You can still do your own valuation by changing the valuation input parameters.

VALUATION INPUT DATA (original, your and others' valuations)

ParameterOrig.Your
Date of valuation (DoV)  
Intrinsic value (IV) at DoV, $/sh  
IV at current val. algorithm, $/sh10.27 

The original valuation is based on fiscal year data as of 2021-12-31 and quarterly data as of 2022-03-31.

Registered users can save their valuation input data

  1. Annual
  2. Quarterly YoY
  3. Quarterly QoQ

Annual revenue growth rates, % (past and forecasted)

NOTE: The bar chart shows historic and forecasted yearly revenue growth rates. Its purpose is to help you in determining what initial revenue rate you want to base your stock valuation on. Please make sure that you are confident in the value you select - for most stocks it is by far the most important parameter in valuation.

Company description

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 accounts comprising negotiable orders of withdrawal accounts, and interest and non-interest bearing checking accounts; individual retirement accounts; and brokered deposits. The company also offers various loans comprising multifamily and other commercial real estate loans, construction and land loans, commercial and industrial loans, one-to-four family residential real estate loans, and home equity loans and lines of credit. In addition, it purchases various investment securities, such as mortgage-backed securities and corporate bonds; and deposits funds in other financial institutions, as well as holds primarily mortgage loans and other investments. As of January 29, 2020, the company operated through a network of 37 full-service banking offices located in Staten Island and Brooklyn, New York; and Hunterdon, Mercer, Middlesex, and Union counties, New Jersey. Northfield Bancorp, Inc. (Staten Island, NY) was founded in 1887 and is based in Woodbridge, New Jersey.

show cash flow forecast

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year2021(a)2022202320242025202620272028202920302031203220332034203520362037203820392040204120422043204420452046

INCOME STATEMENT

Revenue growth rate, %17.1NaN
Revenue, $170NaN
Variable operating expenses, $mNaN
Fixed operating expenses, $mNaN
Total operating expenses, $m73NaN
Operating income, $m97NaN
EBITDA, $m108NaN
Interest expense (income), $mNaN
Earnings before tax, $m97NaN
Tax expense, $m26NaN
Net income, $m71NaN

BALANCE SHEET

Cash and short-term investments, $m105NaN
Total assets, $m5434NaN
Adjusted assets (=assets-cash), $m5329NaN
Average production assets, $m104NaN
Working capital, $m-367NaN
Total debt, $m462NaN
Total liabilities, $m4694NaN
Total equity, $m740NaN
Debt-to-equity ratio0.624NaN
Adjusted equity ratio0.131NaN

CASH FLOW

Net income, $m71NaN
Depreciation, amort., depletion, $m11NaN
Funds from operations, $mNaN
Change in working capital, $mNaN
Cash from operations, $m64NaN
Maintenance CAPEX, $mNaN
New CAPEX, $mNaN
Total CAPEX, $m-2NaN
Free cash flow, $m66NaN
Issuance/(repurchase) of shares, $mNaN
Retained Cash Flow, $mNaN
Pot'l extraordinary dividend, $m-367
Cash available for distribution, $mNaN
Discount rate, %NaN
PV of cash for distribution, $mNaN
Current shareholders' claim on cash, %NaN
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