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Upturn AI SWOT - About
NFBK 
Northfield Bancorp Inc (NFBK)
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Upturn Advisory Summary
04/01/2025: NFBK (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 9.73% | Avg. Invested days 41 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 474.71M USD | Price to earnings Ratio 15.29 | 1Y Target Price 13 |
Price to earnings Ratio 15.29 | 1Y Target Price 13 | ||
Volume (30-day avg) 177853 | Beta 0.76 | 52 Weeks Range 6.75 - 14.23 | Updated Date 04/3/2025 |
52 Weeks Range 6.75 - 14.23 | Updated Date 04/3/2025 | ||
Dividends yield (FY) 4.75% | Basic EPS (TTM) 0.72 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 23.57% | Operating Margin (TTM) 41.87% |
Management Effectiveness
Return on Assets (TTM) 0.53% | Return on Equity (TTM) 4.27% |
Valuation
Trailing PE 15.29 | Forward PE - | Enterprise Value 1050121664 | Price to Sales(TTM) 3.74 |
Enterprise Value 1050121664 | Price to Sales(TTM) 3.74 | ||
Enterprise Value to Revenue 9.65 | Enterprise Value to EBITDA - | Shares Outstanding 43116400 | Shares Floating 40984317 |
Shares Outstanding 43116400 | Shares Floating 40984317 | ||
Percent Insiders 12.83 | Percent Institutions 57.82 |
Analyst Ratings
Rating 3 | Target Price 18.75 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 4 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Northfield Bancorp Inc
Company Overview
History and Background
Northfield Bancorp, Inc. was founded in 1887 as a mutual savings bank. It has evolved from a single-branch institution to a multi-branch community bank, providing financial services to individuals and businesses in the New York and New Jersey metropolitan area. It converted from a mutual to stock ownership in 2014.
Core Business Areas
- Commercial Real Estate Lending: Provides loans secured by commercial real estate, including multi-family dwellings, office buildings, and retail properties.
- Residential Mortgage Lending: Offers mortgage loans for the purchase or refinance of residential properties.
- Commercial Lending: Provides loans to businesses for working capital, equipment financing, and other purposes.
- Retail Banking: Offers deposit accounts, including checking, savings, and money market accounts, as well as other retail banking services.
Leadership and Structure
Steven M. Klein serves as the Chairman, President, and CEO. The company has a Board of Directors and various executive management teams overseeing different business functions.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial properties. Market share data is not readily available, but Northfield is a significant player in its local market. Competitors include other regional and national banks, and credit unions. Revenue generated from commercial real estate loans is a significant portion of the company's total interest income.
- Residential Mortgage Loans: Offers mortgage solutions for homebuyers. Market share data at the granular level is challenging to obtain. Competitors: Quicken Loans, Bank of America, Wells Fargo, and local credit unions. The exact number of users and revenue is not readily publicly available.
- Deposit Accounts: A wide range of deposit accounts. Market share is tied to the banks geographical location. Competitors: Chase, Bank of America, Wells Fargo.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges such as rising interest rates, increased competition from fintech companies, and regulatory changes. Economic conditions also greatly impact the industry.
Positioning
Northfield Bancorp is a community-focused bank with a strong presence in the New York and New Jersey metropolitan area. Its competitive advantages include local market knowledge and customer relationships. However, it competes with larger national banks and fintech companies with greater resources.
Total Addressable Market (TAM)
The total addressable market for banking services in the New York/New Jersey metropolitan area is substantial, estimated to be in the billions of dollars. Northfield Bancorp has a relatively small share of this TAM.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Established customer relationships
- Experienced management team
- Solid capital base
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Dependence on interest income
- Exposure to real estate market fluctuations
Opportunities
- Expanding into new markets within the region
- Increasing penetration of existing markets
- Adopting new technologies to improve efficiency
- Acquiring smaller banks or branches
Threats
- Rising interest rates
- Increased competition from national banks and fintech companies
- Economic downturns
- Regulatory changes
Competitors and Market Share
Key Competitors
- MTB
- CBSH
- NYCB
Competitive Landscape
Northfield Bancorp faces competition from larger national banks with greater resources and brand recognition. However, it has a competitive advantage in its local market knowledge and customer relationships.
Major Acquisitions
Staten Island Bancorp
- Year: 2012
- Acquisition Price (USD millions): 432
- Strategic Rationale: Expanded Northfield's presence and market share in Staten Island.
Growth Trajectory and Initiatives
Historical Growth: Northfield Bancorp's historical growth has been moderate, driven by organic growth and strategic acquisitions. Focus has also been on maintaining asset quality and strengthening capital positions.
Future Projections: Future growth projections depend on factors such as interest rate environment, economic conditions, and management's strategic initiatives. Analyst consensus estimates should be consulted.
Recent Initiatives: Recent strategic initiatives may include investments in technology, expansion of branch network, and new product launches.
Summary
Northfield Bancorp is a community bank with a solid presence in the NY/NJ area. Its local market knowledge and established relationships are key strengths. However, it faces challenges from larger competitors and economic uncertainties. Strategic initiatives to enhance technology and expand market reach are crucial for future growth.
Similar Companies
CBSH
Commerce Bancshares Inc
CBSH
Commerce Bancshares Inc
MTB
M&T Bank Corporation
MTB
M&T Bank Corporation
NYCB
New York Community Bancorp Inc
NYCB
New York Community Bancorp Inc
Sources and Disclaimers
Data Sources:
- Company Financial Reports
- Industry Reports
- Analyst Estimates
- SEC Filings
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market data and financials can change rapidly. Consult with a financial professional before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Northfield Bancorp Inc
Exchange NASDAQ | Headquaters Woodbridge, NJ, United States | ||
IPO Launch date 2007-11-08 | President, CEO & Chairman Mr. Steven M. Klein CPA | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 357 | Website https://www.enorthfield.com |
Full time employees 357 | Website https://www.enorthfield.com | ||
Northfield Bancorp, Inc. (Staten Island, NY) operates as the bank holding company for Northfield Bank that provides a range of banking services primarily to individuals and corporate customers. It offers deposit accounts, including passbook, statement, money market savings, and transaction deposit accounts, as well as certificates of deposit. The company also provides commercial and industrial and owner-occupied commercial real estate loans; one-to-four family residential real estate loans; construction and land loans; home equity loans and lines of credit; and small business loans. In addition, it purchases investment securities, including mortgage-backed securities and corporate bonds, and deposit funds in other financial institutions. Further, the company provides automated teller machines and debit cards; telephone, internet, and mobile banking services; and ACH and wire transfers, cash management, positive pay, and remote deposit capture services. It operates in Richmond and Kings counties in New York; and Hunterdon, Mercer, Union, and Middlesex counties in New Jersey. Northfield Bancorp, Inc. (Staten Island, NY) was founded in 1887 and is headquartered in Woodbridge, New Jersey.
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