Northfield Bancorp, Inc. (NFBK)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$15.310.00%
Close 2026-07-27 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · NFBK
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits well below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -3.5% |
| Our one-year growth estimate | diamond | -22.2% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 18.6 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 220 industry peers · Company calendar date is not available
NFBK — CEO transition
Dated 2026-07-22
Chairman, President and Chief Executive Officer — Steven M. Klein: Northfield Bancorp's directors and executive officers ceased serving as such due to a merger.
Why it matters: A drop in revenue growth could mean a slowdown in finance and affect Northfield.
Worry ifNorthfield's revenue growth falls below the sector median of 15%.
Less concerning ifRevenue growth remains at or above the sector median.
Why it matters: A drop in revenue growth could signal a broader slowdown in the financial sector.
Worry ifSector revenue growth reported below its median of 15% over the last three years.
Less concerning ifSector revenue growth remains above the median of 15%.
Why it matters: Loan balances impact interest income and overall growth. A decline may signal issues in lending or demand.
Worry ifLoan balances decline by more than 5.1% from Q1 2026.
Less concerning ifLoan balances stabilize or grow in Q2 2026.
Why it matters: Stable or growing loan balances mean more demand. This shows good lending strategies and boosts income.
Supportive ifLoan balances either increase from last quarter or stay steady at current levels.
Worry ifLoan balances continue to decline by more than 2% quarter over quarter.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$61 on $10,000 · ±0.6% | How much price usually moves either way. |
| Bad day | $230 loss on $10,000 · 2.3% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,555 loss on $10,000 · 15.6% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: The merger's completion is key for Northfield's growth and stability. It impacts future operations and market position.
Supportive ifAn official announcement says the merger is done. It has all the needed approvals.
Worry ifDelays or problems in the merger approval process push back the completion date.
Why it matters: Keeping the dividend shows good finances. It shows care for shareholders and stability.
Supportive ifAnnouncement of the next dividend at or above $0.13 per share.
Worry ifA dividend cut or suspension is announced.
Why it matters: Net interest margin affects how much money a company makes. A big change shows operational health.
Watch forNet interest margin increases above 2.76% for the next quarter.
Also watch forNet interest margin decreases below 2.70% for the next quarter.
Why it matters: Higher operating income means better cost control. It also shows recovery from losses.
Supportive ifQ2 operating income is above $16.87M, keeping the positive trend going.
Worry ifOperating income is below Q1's $16.87M, showing a setback.
Why it matters: Keeping the dividend shows good capital use. It also shows financial stability.
Supportive ifDividend declared remains at $0.13 per share for the next quarter.
Worry ifDividend cut or suspended in the next announcement.
Why it matters: Keeping the dividend shows financial health and care for shareholders. It affects how investors feel about the company.
Watch forAnnouncement of a dividend of at least $0.13 per share for Q2 2026.
Also watch forNo dividend announcement or a cut in the dividend for Q2 2026.
Why it matters: Growth in net interest income helps profits and shows good management of funding costs.
Supportive ifNet interest income increases by more than 3% quarter over quarter.
Worry ifNet interest income declines or grows less than 1% quarter over quarter.
Why it matters: Growth in net interest income shows better profits and good cost control.
Supportive ifNet interest income for Q2 exceeds $37.0 million, showing growth from Q1.
Worry ifIf net interest income drops below $37.0 million, it may signal problems.
Why it matters: Asset quality affects financial stability. A decline may show risks.
Worry ifNon-performing loans to total loans increase above 0.56%.
Less concerning ifNon-performing loans to total loans decrease or remain stable.