ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Northfield Bancorp, Inc. (New Jersey) ?
1
Positive results in Jun 25
- GROSS NPA (%)(Q) Lowest at 0.36%
- NII(Q) Highest at USD 34.4 MM
- NET PROFIT(9M) Higher at USD 28.7 MM
2
With ROA of 0.41%, it has a fair valuation with a 0.98 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 -21.41%, its profits have fallen by -1.8% ; the PEG ratio of the company is 7.5
3
High Institutional Holdings at 62.7%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Real-Time Research ReportHow much should you buy?
- 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)
-12.28%
1.37
32.86%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
7.39%
EBIT Growth (5y)
-5.20%
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
72.29%
Pledged Shares
0
Institutional Holding
62.70%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
22
Industry P/E
Price to Book Value
0.98
EV to EBIT
42.46
EV to EBITDA
33.64
EV to Capital Employed
0.99
EV to Sales
5.52
PEG Ratio
7.52
Dividend Yield
168.23%
ROCE (Latest)
2.33%
ROE (Latest)
4.44%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
GROSS NPA (%)
(Q
NII(Q)
Highest at USD 34.4 MM
NET PROFIT(9M)
Higher at USD 28.7 MM
NET SALES(Q)
Highest at USD 62.42 MM
OPERATING PROFIT(Q)
Highest at USD 13.87 MM
OPERATING PROFIT MARGIN(Q)
Highest at 22.21 %
-1What is not working for the Company
CASH AND EQV(HY)
Lowest at USD 24.5 MM
Here's what is working for Northfield Bancorp, Inc. (New Jersey)
Non Performing Loans (%)
Lowest at 0.36%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
NII
Highest at USD 34.4 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Net Sales
Highest at USD 62.42 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 13.87 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 22.21 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Net Profit
Higher at USD 28.7 MM
than preceding 12 month period ended Jun 2025MOJO 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)
Cash and Eqv
Lowest at USD 24.5 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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