Northfield Bancorp Inc (NFBK)vsU.S. Bancorp (USB)
NFBK
Northfield Bancorp Inc
$15.31
0.00%
FINANCIAL SERVICES · Cap: $639.41M
USB
U.S. Bancorp
$62.82
+0.13%
FINANCIAL SERVICES · Cap: $100.43B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 17548% more annual revenue ($27.32B vs $154.81M). USB leads profitability with a 29.9% profit margin vs 3.1%. USB appears more attractively valued with a PEG of 2.13. USB earns a higher WallStSmart Score of 75/100 (B).
NFBK
Buy62
out of 100
Grade: C+
USB
Strong Buy75
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 47.8%
Earnings expanding 56.7% YoY
Revenue surging 24.5% year-over-year
Strong operational efficiency at 39.7%
Large-cap with strong market position
Keeps 30 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 21.6% YoY
Areas to Watch
Smaller company, higher risk/reward
ROE of 0.7% — below average capital efficiency
3.1% margin — thin
Elevated debt levels
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : NFBK
The strongest argument for NFBK centers on Price/Book, Operating Margin, EPS Growth. Revenue growth of 24.5% demonstrates continued momentum.
Bull Case : USB
The strongest argument for USB centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 29.9% and operating margin at 39.7%. Revenue growth of 10.4% demonstrates continued momentum.
Bear Case : NFBK
The primary concerns for NFBK are Market Cap, Return on Equity, Profit Margin. A P/E of 117.8x leaves little room for execution misses. Thin 3.1% margins leave little buffer for downturns.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
NFBK profiles as a growth stock while USB is a mature play — different risk/reward profiles.
USB carries more volatility with a beta of 0.98 — expect wider price swings.
NFBK is growing revenue faster at 24.5% — sustainability is the question.
USB generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
USB scores higher overall (75/100 vs 62/100), backed by strong 29.9% margins and 10.4% revenue growth. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Northfield Bancorp Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Northfield Bancorp, Inc. (Staten Island, NY) is the banking holding company for Northfield Bank providing various banking services primarily to individual and corporate clients. The company is headquartered in Woodbridge, New Jersey.
U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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