ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Northfield Bancorp, Inc. (New Jersey) ?
1
The company has declared Positive results for the last 4 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at USD 62.55 MM
- NII(Q) Highest at USD 36.96 MM
- OPERATING PROFIT MARGIN(Q) Highest at 29.54 %
2
With ROA of 0.44%, it has a expensive valuation with a 1.10 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 21.42%, its profits have risen by 39.6% ; the PEG ratio of the company is 0.4
3
High Institutional Holdings at 64.74%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 1.09% 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)
21.05%
3.27
29.20%
S&P 500
22.93%
1.73
13.14%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
8.18%
EBIT Growth (5y)
2.36%
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
64.74%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
18
Industry P/E
Price to Book Value
1.10
EV to EBIT
30.26
EV to EBITDA
26.09
EV to Capital Employed
1.05
EV to Sales
6.08
PEG Ratio
0.42
Dividend Yield
76.89%
ROCE (Latest)
3.47%
ROE (Latest)
6.06%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
No Trend
Mildly Bullish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 62.55 MM
NII(Q)
Highest at USD 36.96 MM
OPERATING PROFIT MARGIN(Q)
Highest at 29.54 %
NET PROFIT(9M)
Higher at USD 37.4 MM
EPS(Q)
Highest at USD 0.3
-4What is not working for the Company
GROSS NPA (%)
(Q
CASH AND EQV(HY)
Lowest at USD 23.67 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 93.14%
Here's what is working for Northfield Bancorp, Inc. (New Jersey)
NII
Highest at USD 36.96 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 62.55 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)
Operating Profit Margin
Highest at 29.54 % and Grown
In each period in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Net Profit
At USD 37.4 MM has Grown at 45.82%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.3
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Net Profit
Higher at USD 37.4 MM
than preceding 12 month period ended Mar 2026MOJO Watch
In the nine month period the company has already crossed sales of the previous twelve months
Net Profit (USD MM)
Here's what is not working for Northfield Bancorp, Inc. (New Jersey)
Non Performing Loans (%)
Highest at 0.56%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Cash and Eqv
Lowest at USD 23.67 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Credit Deposit Ratio
Lowest at 93.14%
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 (%)
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