ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Northfield Bancorp, Inc. (New Jersey) ?
1
With a growth in Interest of NAN%, the company declared Very Positive results in Dec 25
- OPERATING CASH FLOW(Y) Highest at USD 37.04 MM
- NII(Q) Highest at USD 36.67 MM
- NET SALES(Q) Highest at USD 63.63 MM
2
With ROA of 0.45%, it has a very attractive valuation with a 0.88 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 18.19%, its profits have risen by 23.3% ; the PEG ratio of the company is 0.7
3
High Institutional Holdings at 63.65%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 1.95% over the previous quarter.
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Northfield Bancorp, Inc. (New Jersey) should be less than 10%
- Overall Portfolio exposure to Savings Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Savings Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Northfield Bancorp, Inc. (New Jersey) for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Northfield Bancorp, Inc. (New Jersey)
18.19%
2.19
33.71%
S&P 500
19.17%
0.99
19.34%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
8.18%
EBIT Growth (5y)
2.96%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
2,626.26%
Pledged Shares
0
Institutional Holding
63.65%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
18
Industry P/E
Price to Book Value
0.88
EV to EBIT
38.28
EV to EBITDA
31.24
EV to Capital Employed
0.94
EV to Sales
5.70
PEG Ratio
0.65
Dividend Yield
93.62%
ROCE (Latest)
2.46%
ROE (Latest)
4.96%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
Bearish
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend18What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 37.04 MM
NII(Q)
Highest at USD 36.67 MM
NET SALES(Q)
Highest at USD 63.63 MM
OPERATING PROFIT(Q)
Highest at USD 18.61 MM
OPERATING PROFIT MARGIN(Q)
Highest at 29.25 %
PRE-TAX PROFIT(Q)
Highest at USD 18.61 MM
NET PROFIT(Q)
Highest at USD 13.61 MM
-4What is not working for the Company
DIVIDEND PAYOUT RATIO(Y)
Lowest at 0%
CASH AND EQV(HY)
Lowest at USD 24.58 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 96.04%
EPS(Q)
Lowest at USD -0.69
Here's what is working for Northfield Bancorp, Inc. (New Jersey)
NII
Highest at USD 36.67 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Cash Flow
Highest at USD 37.04 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Sales
Highest at USD 63.63 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Operating Profit
Highest at USD 18.61 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 29.25 % and Grown
In each period in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 18.61 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Pre-Tax Profit
At USD 18.61 MM has Grown at 39.5%
over average net sales of the previous four periods of USD 13.34 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 13.61 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Here's what is not working for Northfield Bancorp, Inc. (New Jersey)
EPS
Lowest at USD -0.69
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (USD)
Cash and Eqv
Lowest at USD 24.58 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Credit Deposit Ratio
Lowest at 96.04%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
Dividend Payout Ratio
Lowest at 0%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
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