Intrinsiqq
Northfield Bancorp Inc. logo

Northfield Bancorp Inc. Quality Score

NFBK

⊜ Compare
Quality57

Business quality is the primary weakness (avg 50/100). Valuation is the relative bright spot.

Broad-market heuristics · Not a buy/sell signal

Valuation and growth

Earnings Multiple
40/100
117.8x

Above 30x, priced for sustained outperformance

Price / Book
100/100
0.92x

0.9x book, trading near or below equity

Revenue Growth
70/100
5.1%

5–10% CAGR, steady but not exceptional

Book Value Growth
50/100
4.8%

2–5%, modest book growth

Business Quality & Capital Allocation

Share Dilution
100/100
-14.0%

Shrinking >2%, active buybacks

Return on Equity
0/100
0.7%

Below 2%, weak capital productivity

Capital Adequacy
100/100
12.1%

12.1% equity/assets, well-capitalized

Margin Trend
0/100
-1002.9pp

Net margin compressed >2pp, profitability pressure

Northfield Bancorp (NFBK) quality: score, margins and returns

Northfield Bancorp (NFBK) scores 57/100 on Intrinsiqq's quality score (a mixed business), a weighted blend of 8 metrics each scored 0 to 100. Every metric is computed from SEC filings; this is analysis, not investment advice.

Frequently asked

Is Northfield Bancorp (NFBK) a high-quality business?+

Northfield Bancorp scores 57 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which rates it a mixed business on these measures. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.

What does Northfield Bancorp's quality score measure?+

Intrinsiqq's quality score weighs profitability, returns on capital, revenue growth, and balance-sheet strength, using measures suited to banks, insurers and other financial companies (where free-cash-flow and operating-margin metrics do not apply), each computed from NFBK's SEC filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where Northfield Bancorp scores well and where it falls behind.

How profitable is Northfield Bancorp?+

Northfield Bancorp runs a net margin of about 68.4%. Revenue has grown at roughly 7.2% a year recently. High, stable margins usually point to pricing power and operating discipline. Margins are most telling next to growth and returns on capital, all of which feed this quality score. This is analysis from SEC filings, not investment advice.

How the market compares: US profitability statistics

SourceQuality score computed from the 10-Q filed 30 Apr 2026, covering the period ending 31 Mar 2026, as reported to the SEC. Data last refreshed 12 Jun 2026. How this is calculated.

Fiscal year ends Dec. Sector medians are approximate S&P 500 benchmarks and update periodically. Checks use broad-market heuristics, so sector norms may differ, and the valuation checks are more cyclical than the quality checks.

Peers

Savings Institution, Federally Chartered · Pick stocks to compare with NFBK

CompareIntrinsic value
FCAPFirst Capital, Inc.
$64.38+1.42%84
CARVCarver Bancorp Inc.
$1.87+1.08%18
HFBLHome Federal Bancorp Inc. of Louisiana
$22.35-1.15%74
CFFNCapitol Federal Financial, Inc.
$8.78+2.45%62
AXAxos Financial Inc.
$94.57+1.62%81
RBKBRhinebeck Bancorp Inc.
$13.03+0.46%76
PBFSPioneer Bancorp Inc.
$18.80+3.47%86
CZFSCitizens Financial Services Inc.
$87.30+3.20%76

Held by ETFs

NFBK is in 11 US ETFs. The largest of them, with NFBK's weight in each:

Spot a number that looks wrong? Check it in NFBK's SEC filings or

Download this analysis as a PDF (Pro)

Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.

2 of 2 free stocks used today

Keep analysing NFBK

Create a free account and get 14 days of Premium: every stock and every tool.

  • Unlimited stocks
  • Stock screener
  • Portfolio tracker
  • Editable DCF
  • Compare side by side
  • Unlimited alerts

No card. Moves to Free after, unless you upgrade.

Already have an account?

Or come back tomorrow. Stocks on your watchlist are always free to view.

SectorsPrivacyTerms© 2026 Intrinsiqq

Not financial advice. Analytical data for research only.

Intrinsiqq is a Netherlands-based company operating in Rotterdam, KvK 73238007.