Northfield Bancorp Inc (NFBK) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Northfield Bancorp Inc stock (NFBK) is currently trading at $13.41. Northfield Bancorp Inc PE ratio is 674.00. Northfield Bancorp Inc PS ratio (Price-to-Sales) is 3.83. Analyst consensus price target for NFBK is $14.50. WallStSmart rates NFBK as Hold.
- NFBK PE ratio analysis and historical PE chart
- NFBK PS ratio (Price-to-Sales) history and trend
- NFBK intrinsic value — DCF, Graham Number, EPV models
- NFBK stock price prediction 2025 2026 2027 2028 2029 2030
- NFBK fair value vs current price
- NFBK insider transactions and insider buying
- Is NFBK undervalued or overvalued?
- Northfield Bancorp Inc financial analysis — revenue, earnings, cash flow
- NFBK Piotroski F-Score and Altman Z-Score
- NFBK analyst price target and Smart Rating
Northfield Bancorp Inc
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NFBK Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Northfield Bancorp Inc (NFBK)
NFBK trades 1346% above its Graham fair value of $0.94, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Northfield Bancorp Inc (NFBK) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, eps growth. Concerns around return on equity and profit margin. Fundamentals are solid but monitor weak areas for improvement.
Northfield Bancorp Inc (NFBK) Key Strengths (4)
Keeps $49 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Earnings per share surging 69.80% year-over-year
60.13% held by institutions, strong professional interest
Northfield Bancorp Inc (NFBK) Areas to Watch (6)
Very low returns on shareholder equity
Very thin margins, barely profitable
Paying a premium for growth, expensive relative to earnings expansion
Small-cap company with higher risk but more growth potential
Revenue is fairly priced at 3.83x sales
Solid revenue growth at 14.20% per year
Supporting Valuation Data
Northfield Bancorp Inc (NFBK) Detailed Analysis Report
Overall Assessment
This company scores 63/100 in our Smart Analysis, earning a C+ grade. Out of 10 metrics analyzed, 4 register as strengths (avg 9.5/10) while 6 fall into concern territory (avg 4.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book, EPS Growth. Valuation metrics including Price/Book (0.82) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 48.50%. Growth metrics are encouraging with EPS Growth at 69.80%.
The Bear Case
The primary concerns are Return on Equity, Profit Margin, PEG Ratio. Some valuation metrics including PEG Ratio (2.35), Price/Sales (3.83) suggest expensive pricing. Growth concerns include Revenue Growth at 14.20%, which may limit upside. Profitability pressure is visible in Return on Equity at 0.11%, Profit Margin at 0.54%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 0.11% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 14.20% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Price/Book) and negatives (Return on Equity, Profit Margin). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
NFBK Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
NFBK's Price-to-Sales ratio of 3.83x trades 17% below its historical average of 4.63x (33th percentile). The current valuation is 50% below its historical high of 7.61x set in Dec 2016, and 131% above its historical low of 1.66x in Apr 2025. Over the past 12 months, the PS ratio has expanded from ~1.8x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for Northfield Bancorp Inc (NFBK) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Northfield Bancorp Inc operates as a stable business with moderate growth and solid fundamentals. Revenue reached 147M with 14% growth year-over-year. Profit margins are thin at 0.5%, typical for companies in this phase that are reinvesting heavily in growth.
Key Findings
Generating 15M in free cash flow and 16M in operating cash flow. Earnings are translating into actual cash generation.
ROE of 0.1% suggests the company isn't efficiently converting equity into profits.
What to Watch Next
Margin expansion: can Northfield Bancorp Inc push profit margins above 15% as the business scales?
Valuation compression risk at a P/E of 674.0x. Any growth miss could trigger a sharp correction.
Dividend sustainability with a current yield of 3.9%. Watch payout ratio and free cash flow coverage.
Debt management: total debt of 1.0B is significantly higher than cash (12M). Monitor refinancing risk.
Bottom Line
Northfield Bancorp Inc offers stability with moderate growth and solid fundamentals. The valuation may present an opportunity for patient investors, though limited growth means returns will likely come from dividends and modest capital appreciation rather than explosive gains.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Northfield Bancorp Inc(NFBK)
NASDAQ
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.