US · NFBK
Northfield Bancorp, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Woodbridge, NJ 07095
- Website
- enorthfield.com
Price · as of 2025-12-31
$14.06
Market cap 557.13M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $41.11 | +192.39% |
| Intrinsic Value(DCF) | $12.55 | -10.74% |
| Graham-Dodd Method(GD) | $17.30 | +23.04% |
| Graham Formula(GF) | — | — |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $6.49 | $22.16 | $9.92 | $9.86 | $5.98 |
| 2012 | $7.39 | $29.25 | $19.25 | $8.34 | $2.62 |
| 2013 | $8.70 | $20.50 | $13.39 | $7.19 | $3.72 |
| 2014 | $10.18 | $22.52 | $11.19 | $9.91 | $2.41 |
| 2015 | $11.51 | $25.86 | $11.79 | $10.84 | $7.91 |
| 2016 | $13.08 | $31.24 | $12.85 | $11.32 | $17.86 |
| 2017 | $12.20 | $31.12 | $13.22 | $10.80 | $8.10 |
| 2018 | $10.82 | $28.60 | $13.42 | $11.84 | $13.32 |
| 2019 | $10.82 | $26.54 | $13.85 | $11.88 | $19.99 |
| 2020 | $13.11 | $27.30 | $14.69 | $11.81 | $6.03 |
| 2021 | $12.71 | $30.09 | $15.65 | $14.20 | $17.45 |
| 2022 | $11.53 | $28.32 | $14.67 | $13.06 | $11.25 |
| 2023 | $9.29 | $32.48 | $14.19 | $11.59 | $21.59 |
| 2024 | $10.90 | $34.29 | $15.06 | $11.69 | $15.37 |
| 2025 | $13.41 | $41.11 | $12.83 | $17.30 | $0.00 |
AI valuation
Our deep-learning model estimates Northfield Bancorp, Inc.'s (NFBK) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $41.11
- Current price
- $14.06
- AI upside
- +192.39%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$12.55
-10.74% upside
Graham-Dodd
$17.30
+23.04% upside
Graham Formula
—
— upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| NFBK | Northfield Bancorp, Inc. | $14.06 | 557.13M | +192% | -11% | +23% | — | 675.84 | 0.78 | 2.92 | 2.32 | — | 0.78 | 35.34% | 9.25% | 0.43% | 0.11% | 2.82% | 0.01% | 1.48 | 0.15 | 0.59 | 0.59 | 17.38 | -9725.00% | -2669.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 7.90 | — | 0.73 | -0.10 |
| CBNK | Capital Bancorp, Inc. | $29.41 | 485.88M | +97% | -12% | -4% | +78% | 13.18 | 1.15 | 1.68 | 3.05 | — | 1.28 | 68.36% | 17.27% | 12.78% | 10.15% | 25.08% | 1.14% | 0.10 | 0.71 | 0.12 | 0.12 | -3.89 | -1686.00% | 1730.00% | -2760.00% | 8.03% | 0.01 | 26.53% | 1.29% | 17.00% | 42.49% | 3.21 | 4.09 | 0.55 | -0.61 |
| CIVB | Civista Bancshares, Inc. | $23.81 | 459.84M | +112% | +7% | +51% | +47% | 8.92 | 0.76 | 1.62 | -1.19 | 28.45 | 1.03 | 66.35% | 21.66% | 18.13% | 9.92% | 16.07% | 1.10% | 0.52 | 0.67 | — | — | 3.75 | 3134.00% | 540.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 43.53% | -1.19 | — | -0.26 | 0.45 |
| CWBC | Community West Bancshares | $23.23 | 445.1M | +181% | +63% | +14% | +124% | 11.67 | 1.09 | 2.29 | 8.93 | 3.39 | 1.46 | 72.62% | 26.99% | 19.61% | 9.88% | 13.27% | 1.06% | 0.35 | 1.06 | 0.05 | 0.05 | 0.45 | 34444.00% | 1852.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 13.34% | 8.93 | — | 2.41 | -0.50 |
| FBIZ | First Business Financial … | $54.65 | 454.98M | +15% | +74% | +37% | +61% | 8.90 | 1.21 | 1.60 | 10.93 | 53.84 | 1.25 | 57.29% | 21.65% | 18.02% | 14.37% | 13.57% | 1.27% | 0.68 | 0.55 | 0.31 | 26.62 | 3.52 | 1654.00% | 643.00% | 669.00% | 13.64% | 0.49 | 16.48% | 0.00% | 0.00% | 0.00% | 10.93 | 10.81 | 2.37 | 0.27 |
| FRBA | First Bank | $15.92 | 400.14M | +234% | +188% | +56% | +69% | 9.15 | 0.90 | 1.62 | 11.70 | 218.26 | 1.02 | 55.22% | 23.22% | 17.69% | 10.24% | 8.13% | 1.13% | 0.61 | 0.58 | 0.27 | 0.00 | 4.73 | 419.00% | 756.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 11.70 | — | 2.72 | -0.01 |
| HBCP | Home Bancorp, Inc. | $59.10 | 462.64M | -38% | -25% | -21% | +50% | 9.74 | 0.90 | 1.78 | 9.78 | — | 1.14 | 66.38% | 22.66% | 18.27% | 9.54% | 6.97% | 1.08% | 0.59 | 0.70 | 0.04 | 0.04 | 2.81 | -842.00% | 1183.00% | 1358.00% | 12.59% | 0.02 | 8.55% | 2.31% | 22.50% | 14.80% | 10.53 | 10.65 | 2.39 | -0.70 |
| KRNY | Kearny Financial Corp. | $7.65 | 481.05M | +555% | -29% | -27% | -30% | 15.36 | 0.54 | 1.17 | 13.29 | — | 0.63 | 44.14% | 9.02% | 7.59% | 3.48% | 2.55% | 0.34% | 1.68 | 0.16 | 1.20 | 1.20 | 30.36 | -13022.00% | 509.00% | -4982.00% | 5.34% | 0.00 | 2.09% | 6.90% | 106.00% | 120.99% | 15.38 | 22.30 | 1.39 | 0.33 |
| PGC | Peapack-Gladstone Financi… | $33.49 | 588.02M | +1% | -4% | +15% | -13% | 16.16 | 0.88 | 1.32 | 5.44 | — | 0.95 | 53.76% | 11.16% | 8.19% | 5.55% | 8.90% | 0.49% | 0.29 | 0.25 | 0.08 | 0.08 | -4.29 | -3173.00% | 780.00% | -568.00% | 11.82% | 0.01 | 16.99% | 0.66% | 10.70% | 110.74% | 6.01 | 4.28 | 0.67 | -0.77 |
| RRBI | Red River Bancshares, Inc… | $88.70 | 599.31M | +112% | +7% | -3% | +17% | 13.98 | 1.64 | 3.52 | -1.38 | 48.40 | 1.64 | 72.55% | 31.28% | 25.18% | 12.49% | -31.62% | 1.32% | 0.00 | 1.20 | 443.09 | 443.09 | -0.45 | 2889.00% | 834.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | -1.38 | — | -0.43 | 0.63 |
| UNTY | Unity Bancorp, Inc. | $53.19 | 534M | -6% | +19% | -20% | +24% | 10.23 | 1.43 | 2.60 | 8.06 | 178.61 | 1.44 | 62.55% | 33.35% | 25.42% | 14.88% | 12.34% | 1.58% | 0.78 | 0.95 | 0.10 | 0.10 | 0.88 | 573.00% | 819.00% | 292.00% | 11.15% | 0.02 | 14.07% | 1.18% | 12.10% | 31.32% | 8.44 | 9.71 | 2.81 | -0.50 |
About Northfield Bancorp, Inc.
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 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 mortgage loans, mortgage-backed securities, and other investments. As of December 31, 2021, the company operated 38 full-service banking offices in Staten Island and Brooklyn, New York; and Hunterdon, Middlesex, Mercer, and Union counties, New Jersey. Northfield Bancorp, Inc. (Staten Island, NY) was founded in 1887 and is headquartered in Woodbridge, New Jersey.
- CEO
- Steven Klein
- Employees
- 357
- Beta
- 0.82
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($12.55 ÷ $14.06) − 1 = -10.74% (DCF, example).