What is the 13F Pro Quality Score for NFBK?

13F Pro ranks Northfield Bancorp, Inc. (NFBK) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View NFBK's current score at https://13fpro.ai/research/NFBK (free sign-up required for the full ranking).

Where does 13F Pro source NFBK data?

All Northfield Bancorp, Inc. fundamentals and ownership data come directly from SEC EDGAR. Northfield Bancorp, Inc. files with the SEC under CIK 1493225. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is NFBK in?

Northfield Bancorp, Inc. (NFBK) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is NFBK research updated on 13F Pro?

NFBK's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Northfield Bancorp, Inc.(NFBK)Stock Analysis

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13F Pro Quality Score

60.0/100

Rank #886 of 2,879 stocksTOP 50%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

65.6/100

Profitability

98.6/100

Balance Sheet

40.8/100

Earnings Quality

48.8/100

Free Cash Flow

98.7/100

Institutional Flow

62.8/100

Revenue Scale

2.7/100

Dilution Risk

3.9/100

NFBK Stock Analysis & AI Quality Score

AI stock analysis and institutional research for Northfield Bancorp, Inc. (NFBK), a Financials sector company. 13F Pro's AI-powered ranking engine scores NFBK at 60.0/100 on a 32-signal composite quality model, placing it at rank #886 of 2,879 stocks — the top half of the AI-ranked universe. NFBK scores in the top quartile across free cash flow (98.7), profitability (98.6). Areas of concern include revenue scale (2.7), which score below median versus the broader universe. Shareholder dilution risk is elevated at 3.9/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), Northfield Bancorp, Inc. reports quarterly revenue of $40.4M, net income of $11.8M, an operating margin of 41.8%. Top institutional holders of NFBK by reported 13-F value include BlackRock,, DIMENSIONAL FUND ADVISORS, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. NFBK trades on the Nasdaq exchange and files with the SEC under CIK 1493225. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate NFBK daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Northfield Bancorp, Inc. directly from SEC EDGAR. Northfield Bancorp, Inc.'s 13F Pro composite quality score has ranged between 8 and 65 since 2021, currently 60.0 — an improving long-term trajectory across 56 quarterly and live scoring snapshots.

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Fun facts about Northfield Bancorp, Inc.

Quirks, history, and lore behind NFBK — the kind of stuff that makes a stock memorable.

1
The Basics
A community bank holding company · small-cap · listed on Nasdaq · headquartered in New Jersey.
2
The Numbers
Total assets in the range of $6–7 billion — solidly mid-sized for a community bank — with its bread-and-butter being deposit-gathering and mortgage lending.
3
The History
Its roots trace back to a mutual savings bank serving the Staten Island and New Jersey corridor, before converting to a stock company and going public.
4
The Secret
It operates through its flagship subsidiary, Staten Island Savings Bank rebranded, serving a tight geographic footprint that straddles the New York metro border.
5
The Lore
Like many thrift conversions, it raised a war chest of capital at IPO that it has quietly deployed into real estate loans — not exactly glamorous, but reliably steady.
6
The Giveaway
Its banking subsidiary is literally called Northfield Bank, it calls Staten Island and Central New Jersey home, and its ticker is four letters that start with NFB.

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Revenue

Q1 2026

$40.4M

Net Income

Q1 2026

$11.8M

Free Cash Flow

Q1 2026

$19.6M

Operating Margin

Q1 2026

41.8%

ROIC

Q1 2026

2.4%

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+6.8% YoY

$6.9MFY 2025

FY22 $5.7MFY23 $5.5MFY24 $6.4MFY25 $6.9M

Net Income

-97.3% YoY

$796.0KFY 2025

FY22 $61.1MFY23 $37.7MFY24 $29.9MFY25 $796.0K

EPS (Diluted)

-97.2% YoY

$0.02FY 2025

FY22 $1.32FY23 $0.86FY24 $0.72FY25 $0.02

Total Assets

+1.5% YoY

$5.75BFY 2025

FY22 $5.60BFY23 $5.60BFY24 $5.67BFY25 $5.75B

Total Debt

-80.5% YoY

$130.0MFY 2025

FY22 $583.9MFY23 $859.3MFY24 $666.4MFY25 $130.0M

Op. Cash Flow

+72.6% YoY

$53.7MFY 2025

FY22 $83.3MFY23 $47.0MFY24 $31.1MFY25 $53.7M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2019
Revenue	$6.9M +6.8%	$6.4M +17.4%	$5.5M -4.0%	$5.7M +5.8%	$5.4M +10.5%	$4.9M
Net Income	$796.0K -97.3%	$29.9M -20.5%	$37.7M -38.4%	$61.1M -13.5%	$70.7M +75.6%	$40.2M
EPS (Diluted)	$0.02 -97.2%	$0.72 -16.3%	$0.86 -34.8%	$1.32 -9.0%	$1.45 +70.6%	$0.85
Total Assets	$5.75B +1.5%	$5.67B +1.2%	$5.60B -0.1%	$5.60B +3.1%	$5.43B +7.4%	$5.06B
Total Debt	$130.0M -80.5%	$666.4M -22.4%	$859.3M +47.2%	$583.9M +38.4%	$421.8M -50.8%	$857.0M
Operating Cash Flow	$53.7M +72.6%	$31.1M -33.8%	$47.0M -43.6%	$83.3M +28.7%	$64.8M +26.6%	$51.2M

AI Insight: NFBK Financial Trends

Q4 2025 loss of $27M followed by sharp Q1 2026 recovery to $12M net income; debt dropped to $130M but operating metrics remain opaque.

• Operating cash flow strengthened to $20M in Q1 2026, highest in dataset, vs. $16M in Q4 2025.

• Net income rebounded to $12M in Q1 2026 after $27M loss in Q4 2025; prior quarters (Q2–Q3 2025) averaged $10–11M.

• Total debt fell sharply to $130M in Q4 2025 (only quarter disclosed); equity stable at $690–720M range.

⚠ Q4 2025 loss of $27M is unexplained by available data; root cause and recurrence risk unclear.

⚠ Revenue flat at $2M across all eight quarters; no growth signal.

⚠ Operating income not disclosed in any period; unable to assess margin trends.

AI Insight: NFBK Ratio Trends

NFBK rebounded sharply in Q1 2026 with ROE/ROIC recovering to 6.8%/9.7%, but Q4 2025's deep loss signals unresolved profitability stress.

• ROIC surged to 9.7% in Q1 2026 from -10.9% in Q4 2025, highest since Q2 2025's 7.8%. Q1 also showed ROE of 6.8% and ROA of 0.8%.

• NPM in TTM (12-month) reached 68.4%, reflecting strong net profitability on a trailing basis despite Q4 2025's quarterly loss.

• D/E ratio dropped to 0.19 in Q4 2025 from 0.95 in Q4 2024, indicating materially improved leverage profile year-over-year.

⚠ Q4 2025 posted ROE of -15.9%, ROA of -1.9%, ROIC of -10.9%—severe quarterly loss signals credit or operational event requiring disclosure.

⚠ ROE/ROA volatility from 6.0%/0.8% (Q3 2025) to -15.9%/-1.9% (Q4 2025) to 6.8%/0.8% (Q1 2026) raises questions on earnings sustainability.

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Available Research

13F Pro tracks comprehensive data for Northfield Bancorp, Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of NFBK

BlackRock, Inc.
$70.8M5,226,996 sh
DIMENSIONAL FUND ADVISORS LP
$34.6M2,556,873 sh
VANGUARD CAPITAL MANAGEMENT LLC
$22.9M1,690,228 sh
RENAISSANCE TECHNOLOGIES LLC
$17.7M1,308,449 sh
STATE STREET CORP
$14.3M1,055,650 sh
GEODE CAPITAL MANAGEMENT, LLC
$12.6M926,849 sh
AMERICAN CENTURY COMPANIES INC
$11.7M861,007 sh
BALYASNY ASSET MANAGEMENT L.P.
$11.4M838,571 sh
ARROWSTREET CAPITAL, LIMITED PARTNERSHIP
$10.5M777,399 sh
Qube Research & Technologies Ltd
$10.4M765,520 sh

Fund	Value	Shares
BlackRock, Inc.	$70.8M	5,226,996
DIMENSIONAL FUND ADVISORS LP	$34.6M	2,556,873
VANGUARD CAPITAL MANAGEMENT LLC	$22.9M	1,690,228
RENAISSANCE TECHNOLOGIES LLC	$17.7M	1,308,449
STATE STREET CORP	$14.3M	1,055,650
GEODE CAPITAL MANAGEMENT, LLC	$12.6M	926,849
AMERICAN CENTURY COMPANIES INC	$11.7M	861,007
BALYASNY ASSET MANAGEMENT L.P.	$11.4M	838,571
ARROWSTREET CAPITAL, LIMITED PARTNERSHIP	$10.5M	777,399
Qube Research & Technologies Ltd	$10.4M	765,520

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Is NFBK a good stock to buy?

13F Pro's AI-powered analysis of Northfield Bancorp, Inc. (NFBK) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for NFBK are available on the NFBK stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own NFBK?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling NFBK. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Northfield Bancorp, Inc.'s investment landscape.