Northfield Bancorp (NFBK)
Market Price (4/28/2026): $13.95 | Market Cap: $554.2 MilSector: Financials | Industry: Regional Banks
Northfield Bancorp (NFBK)
Market Price (4/28/2026): $13.95Market Cap: $554.2 MilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 35%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 34% Attractive yieldDividend Yield is 3.8%, FCF Yield is 9.5% Low stock price volatilityVol 12M is 31% Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments. | Trading close to highsDist 52W High is -1.1%, Dist 3Y High is -1.1% Weak multi-year price returns3Y Excs Rtn is -29% | Expensive valuation multiplesP/EPrice/Earnings or Price/(Net Income) is 696x Weak revenue growthRev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -1.4% Key risksNFBK key risks include [1] its substantial concentration in commercial real estate lending, Show more. |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 35%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 34% |
| Attractive yieldDividend Yield is 3.8%, FCF Yield is 9.5% |
| Low stock price volatilityVol 12M is 31% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments. |
| Trading close to highsDist 52W High is -1.1%, Dist 3Y High is -1.1% |
| Weak multi-year price returns3Y Excs Rtn is -29% |
| Expensive valuation multiplesP/EPrice/Earnings or Price/(Net Income) is 696x |
| Weak revenue growthRev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -1.4% |
| Key risksNFBK key risks include [1] its substantial concentration in commercial real estate lending, Show more. |
Qualitative Assessment
AI Analysis | Feedback
1. Significant Earnings Turnaround from Q4 2025 Loss. Northfield Bancorp reported a net income of $11.8 million, or $0.30 per diluted share, for the first quarter of 2026, a substantial rebound from a net loss of $27.4 million, or $0.69 per share, in the fourth quarter of 2025. This dramatic improvement was primarily due to the absence of a $41.0 million non-cash goodwill impairment charge that negatively impacted the prior quarter's results.
2. Expansion of Net Interest Income and Margin. The company experienced an increase in net interest income to $37.0 million in Q1 2026, up from $36.7 million in Q4 2025, an annualized increase of 3.2%. Concurrently, its net interest margin expanded by six basis points to 2.76% from 2.70% in the trailing quarter, driven by lower funding costs and growth in core deposits.
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Stock Movement Drivers
Fundamental Drivers
The 23.1% change in NFBK stock from 12/31/2025 to 4/27/2026 was primarily driven by a 6006.4% change in the company's P/E Multiple.| (LTM values as of) | 12312025 | 4272026 | Change |
|---|---|---|---|
| Stock Price ($) | 11.32 | 13.94 | 23.1% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 150 | 154 | 3.1% |
| Net Income Margin (%) | 26.4% | 0.5% | -98.0% |
| P/E Multiple | 11.4 | 695.7 | 6006.4% |
| Shares Outstanding (Mil) | 40 | 40 | -0.1% |
| Cumulative Contribution | 23.1% |
Market Drivers
12/31/2025 to 4/27/2026| Return | Correlation | |
|---|---|---|
| NFBK | 23.1% | |
| Market (SPY) | 4.2% | 26.2% |
| Sector (XLF) | -5.4% | 40.3% |
Fundamental Drivers
The 20.8% change in NFBK stock from 9/30/2025 to 4/27/2026 was primarily driven by a 5185.3% change in the company's P/E Multiple.| (LTM values as of) | 9302025 | 4272026 | Change |
|---|---|---|---|
| Stock Price ($) | 11.54 | 13.94 | 20.8% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 142 | 154 | 8.5% |
| Net Income Margin (%) | 24.8% | 0.5% | -97.9% |
| P/E Multiple | 13.2 | 695.7 | 5185.3% |
| Shares Outstanding (Mil) | 40 | 40 | 1.1% |
| Cumulative Contribution | 20.8% |
Market Drivers
9/30/2025 to 4/27/2026| Return | Correlation | |
|---|---|---|
| NFBK | 20.8% | |
| Market (SPY) | 7.0% | 28.9% |
| Sector (XLF) | -3.5% | 48.4% |
Fundamental Drivers
The 33.8% change in NFBK stock from 3/31/2025 to 4/27/2026 was primarily driven by a 4791.4% change in the company's P/E Multiple.| (LTM values as of) | 3312025 | 4272026 | Change |
|---|---|---|---|
| Stock Price ($) | 10.42 | 13.94 | 33.8% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 131 | 154 | 17.5% |
| Net Income Margin (%) | 22.8% | 0.5% | -97.7% |
| P/E Multiple | 14.2 | 695.7 | 4791.4% |
| Shares Outstanding (Mil) | 41 | 40 | 2.9% |
| Cumulative Contribution | 33.8% |
Market Drivers
3/31/2025 to 4/27/2026| Return | Correlation | |
|---|---|---|
| NFBK | 33.8% | |
| Market (SPY) | 28.1% | 45.5% |
| Sector (XLF) | 5.1% | 55.6% |
Fundamental Drivers
The 36.7% change in NFBK stock from 3/31/2023 to 4/27/2026 was primarily driven by a 9066.5% change in the company's P/E Multiple.| (LTM values as of) | 3312023 | 4272026 | Change |
|---|---|---|---|
| Stock Price ($) | 10.20 | 13.94 | 36.7% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 166 | 154 | -7.2% |
| Net Income Margin (%) | 36.8% | 0.5% | -98.6% |
| P/E Multiple | 7.6 | 695.7 | 9066.5% |
| Shares Outstanding (Mil) | 45 | 40 | 14.5% |
| Cumulative Contribution | 36.7% |
Market Drivers
3/31/2023 to 4/27/2026| Return | Correlation | |
|---|---|---|
| NFBK | 36.7% | |
| Market (SPY) | 79.8% | 40.7% |
| Sector (XLF) | 68.3% | 57.5% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| NFBK Return | 35% | 1% | -16% | -3% | 3% | 23% | 41% |
| Peers Return | 42% | -12% | -9% | 5% | 9% | 14% | 50% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 5% | 91% |
Monthly Win Rates [3] | |||||||
| NFBK Win Rate | 75% | 50% | 33% | 42% | 50% | 100% | |
| Peers Win Rate | 67% | 37% | 45% | 53% | 50% | 70% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 50% | |
Max Drawdowns [4] | |||||||
| NFBK Max Drawdown | -1% | -24% | -45% | -39% | -17% | -1% | |
| Peers Max Drawdown | -2% | -22% | -40% | -27% | -17% | -3% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -7% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: PFS, OCFC, CNOB, KRNY, DCOM.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 4/27/2026 (YTD)
How Low Can It Go
| Event | NFBK | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -54.0% | -25.4% |
| % Gain to Breakeven | 117.3% | 34.1% |
| Time to Breakeven | Not Fully Recovered days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -48.4% | -33.9% |
| % Gain to Breakeven | 93.8% | 51.3% |
| Time to Breakeven | 233 days | 148 days |
| 2018 Correction | ||
| % Loss | -36.2% | -19.8% |
| % Gain to Breakeven | 56.8% | 24.7% |
| Time to Breakeven | Not Fully Recovered days | 120 days |
| 2008 Global Financial Crisis | ||
| % Loss | -36.0% | -56.8% |
| % Gain to Breakeven | 56.1% | 131.3% |
| Time to Breakeven | 197 days | 1,480 days |
Compare to PFS, OCFC, CNOB, KRNY, DCOM
In The Past
Northfield Bancorp's stock fell -54.0% during the 2022 Inflation Shock from a high on 11/11/2021. A -54.0% loss requires a 117.3% gain to breakeven.
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About Northfield Bancorp (NFBK)
AI Analysis | Feedback
1. NFBK is like a mini-PNC Bank, serving specific neighborhoods in New York and New Jersey.
2. NFBK is a neighborhood bank, much like a highly localized Bank of America for its specific communities in NY and NJ.
AI Analysis | Feedback
- Deposit Accounts: Provides various accounts for individuals and businesses to save and manage their money, including checking, savings, money market, certificates of deposit, and IRAs.
- Loan Products: Offers a range of loans to individuals and businesses for real estate, construction, commercial operations, and home equity needs.
AI Analysis | Feedback
Northfield Bancorp (NFBK) serves a diverse customer base, primarily consisting of individuals and various corporate entities. Based on the services described, its major customer categories include:
- Individual Customers: This category comprises individuals utilizing a range of deposit products such as certificates of deposit, passbook, statement, and money market savings accounts; transaction deposit accounts including negotiable orders of withdrawal accounts, interest and non-interest-bearing checking accounts; and individual retirement accounts. They also access lending products like one-to-four family residential real estate loans and home equity loans and lines of credit.
- Commercial Real Estate Investors and Developers: Northfield Bank provides financing for businesses and investors involved in commercial real estate. This includes multifamily and other commercial real estate loans, as well as construction and land loans.
- Commercial and Industrial Businesses: This category includes various businesses that utilize deposit accounts and require commercial and industrial loans to support their operations, expansion, and other financial needs.
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Steven M. Klein
Chairman, President & CEO
Mr. Klein joined Northfield Bancorp in 2005 as Chief Financial Officer. He was named Chief Operating Officer in 2011, President in 2013, and appointed Chief Executive Officer effective November 1, 2017. Mr. Klein is a Certified Public Accountant. He is a Director of Middlesex Water Company, a Trustee of Richmond University Medical Center, a Director of the Staten Island Economic Development Corporation, a Board Member of the New Jersey Bankers Association, and a Trustee of the Northfield Bank Foundation. He was also elected to the Board of Directors of the Federal Home Loan Bank of New York for a four-year term from January 1, 2025, to December 31, 2028.
William R. Jacobs
Executive VP & Chief Financial Officer
Mr. Jacobs joined Northfield in 2006 as Vice President and Controller and was promoted to Senior Vice President in 2010. He was appointed Chief Financial Officer in January 2013. In his role, he also oversees property management and physical security. Prior to joining Northfield, Mr. Jacobs was an audit manager with KPMG LLP. He is a Certified Public Accountant and holds a Bachelor of Science in Accounting from Georgian Court University. Mr. Jacobs serves as a Director for the Center for Hope.
David V. Fasanella
Executive VP, Chief Lending Officer
Mr. Fasanella is responsible for developing strategies to expand Northfield Bank's commercial banking capabilities, collaborating with the business development team to focus on growth of loans and deposits, and overseeing loan servicing. He serves on the Rutgers Business School Alumni and Corporate Advisory Council and is a member of the Rutgers Center for Innovation and Education Customer Experience Advisory Board.
Vickie Tomasello
Executive VP - Chief Risk Officer
Ms. Tomasello is responsible for managing the effective governance of risk programs and overseeing Information Security, Bank Secrecy, Security, Credit Administration, Risk Management, and Compliance areas of the Bank. She is a Certified Public Accountant with over 25 years of experience in risk, audit, reporting, analytics, and governance. Ms. Tomasello is a member of several professional organizations, including the American Institute of Certified Public Accountants, Information Systems Audit and Control Association, Institute of Internal Auditors, Mid-Size Bank Coalition of America - Chief Audit Executives Group, New Jersey Bankers Association Internal Audit Committee, and Risk Management Association.
Robin Lefkowitz
Executive VP – Chief Branch Administration, Deposit Operations & Business Development Officer
Ms. Lefkowitz oversees deposit operations for Northfield Bank. She holds a Bachelor of Arts Degree in Political Science from Brooklyn College and a Master of Business Administration Degree from Wagner College. She specializes in customer relationships and the growth of overall deposits. Ms. Lefkowitz serves as a Director for the Richmond University Medical Center Foundation, Woodbridge Township Economic Development Corporation, Integration Charter Schools, Woodbridge Arts Alliance, Eden II Foundation, and the Staten Island Economic Development Corporation.
AI Analysis | Feedback
The key risks to Northfield Bancorp's business, based on recent financial reports and industry analysis, include its significant concentration in commercial real estate loans, exposure to interest rate fluctuations affecting profitability, and challenges related to deposit retention and overall liquidity.
- Commercial Real Estate (CRE) Loan Concentration and Credit Risk: Northfield Bancorp faces substantial risk due to its high concentration in commercial real estate loans, particularly non-owner-occupied properties. As of June 30, 2025, this exposure was approximately 416% of total risk-based capital. Multifamily and commercial real estate loans together comprised over 84% of the bank's loan portfolio in 2025. The broader regional banking sector is vulnerable to CRE credit deterioration, with about 40% of CRE loans maturing between 2023 and 2025, which, coupled with high interest rates, could lead to increased defaults. Northfield Bancorp's increasing provisions for credit losses and net charge-offs also signal potential challenges with loan quality.
- Interest Rate Risk: As a regional bank, Northfield Bancorp is sensitive to changes in interest rates. Elevated interest rates can lead to higher funding costs for deposits, which in turn can squeeze net interest margins and impact profitability. While Northfield Bancorp has shown improvement in its net interest income and net interest margin in recent quarters due to effective interest management, the fluctuating interest rate environment presents an ongoing challenge for managing funding costs and maintaining strong margins.
- Liquidity Risk and Deposit Volatility: Northfield Bancorp has experienced a slight decrease in total deposits and an increase in borrowings, which suggests potential liquidity management considerations and challenges in deposit retention. For regional banks generally, the risk of consumers withdrawing deposits due to nervousness, as observed during past banking instabilities, remains a significant concern.
AI Analysis | Feedback
Digital-only banks (neobanks) and financial technology (fintech) companies that offer banking services without physical branches, leveraging superior digital experiences, competitive interest rates, and lower fees to attract customers. Online lenders and alternative credit providers that streamline the application and approval process for various loan products (e.g., mortgages, commercial real estate, personal loans) through fully digital channels, offering convenience and competitive rates.AI Analysis | Feedback
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Here are 3-5 expected drivers of future revenue growth for Northfield Bancorp (NFBK) over the next 2-3 years:
- Loan Portfolio Diversification and Growth: Northfield Bancorp is strategically shifting its loan portfolio by focusing on growth in higher-yielding segments such as Small Business Administration (SBA)-guaranteed and equipment finance loans, and commercial and industrial (C&I) loans. The company has also launched new residential mortgage and affordable home equity programs to expand its offerings and reach new customer segments.
- Core Deposit Acquisition and Management: The company emphasizes attracting and retaining low-cost core deposits, particularly operating accounts, through treasury management services and by bundling products like primary checking, high-yield savings, and mortgage/home equity. This strategy aims to stabilize deposits and reduce funding costs, thereby improving net interest income.
- Non-Interest Income Generation: Northfield Bancorp plans to grow its fee-based revenue by investing in treasury and wealth management platforms and through increased penetration of products and services for Small and Medium-sized Enterprises (SME). This diversification is a key focus to expand income streams beyond traditional lending and deposit services.
- Digital Banking Enhancements: The launch of new digital banking solutions is expected to enhance customer experience, attract new clients, and support overall deposit and service growth through improved accessibility and efficiency.
- Net Interest Margin Improvement: By strategically managing its asset mix towards higher-yielding loans and effectively controlling the cost of its interest-bearing liabilities through core deposit growth, Northfield Bancorp aims to expand its net interest margin, which directly translates to increased net interest income and overall revenue.
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Share Repurchases
- Northfield Bancorp announced a new $10 million share repurchase program in June 2024, which succeeded a $5 million repurchase plan approved in April 2024.
- Prior to that, a $7.5 million share repurchase program was announced in November 2023 and completed in March 2024, resulting in the repurchase of 0.3 million shares at an average cost of $12.17.
- In February 2025, a new $5.0 million stock repurchase program was approved, and by March 31, 2025, the company had repurchased 440,150 shares for $5 million under this program. The company also completed a separate $10 million share repurchase program in Q2 2025, buying back 862,469 shares.
Share Issuance
- No information is available regarding the dollar amount of shares issued for capital raising purposes within the last 3-5 years. Equity awards in the form of restricted stock units (RSUs) were granted to executives and directors in February 2026 as compensation.
Inbound Investments
- No information is available regarding large investments made in Northfield Bancorp by third-parties within the last 3-5 years. The company is, however, subject to a pending acquisition by Columbia Financial, Inc. in a deal valued at approximately $597 million, expected to close in Q3 2026.
Outbound Investments
- No information is available regarding instances where Northfield Bancorp made strategic investments in other companies within the last 3-5 years.
Capital Expenditures
- No specific dollar values of capital expenditures or the primary focus of these expenditures are available within the provided information for the last 3-5 years.
Latest Trefis Analyses
| Title | Date | |
|---|---|---|
| DASHBOARDS | ||
| Can Northfield Bancorp Stock Hold Up When Markets Turn? | 10/17/2025 |
| Title | |
|---|---|
| ARTICLES |
Trade Ideas
Select ideas related to NFBK.
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| 03312026 | HBAN | Huntington Bancshares | Insider | Insider Buys 45DStrong Insider BuyingCompanies with multiple insider buys in the last 45 days | 0.0% | 0.0% | 0.0% |
| 03312026 | NP | Neptune Insurance | Insider | Insider Buys 45DStrong Insider BuyingCompanies with multiple insider buys in the last 45 days | 0.0% | 0.0% | 0.0% |
| 03272026 | JKHY | Jack Henry & Associates | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | 3.1% | 3.1% | 0.0% |
| 03202026 | MKTX | MarketAxess | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | -5.2% | -5.2% | -5.7% |
| 03202026 | RYAN | Ryan Specialty | Insider | Insider Buys | Low D/EStrong Insider BuyingCompanies with strong insider buying in the last 1 month, positive operating income and reasonable debt / market cap | -2.7% | -2.7% | -8.5% |
Research & Analysis
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Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 20.85 |
| Mkt Cap | 1.3 |
| Rev LTM | 389 |
| Op Inc LTM | - |
| FCF LTM | 90 |
| FCF 3Y Avg | 87 |
| CFO LTM | 97 |
| CFO 3Y Avg | 94 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 21.4% |
| Rev Chg 3Y Avg | 2.2% |
| Rev Chg Q | 14.4% |
| QoQ Delta Rev Chg LTM | 3.4% |
| Op Inc Chg LTM | - |
| Op Inc Chg 3Y Avg | - |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 31.5% |
| CFO/Rev 3Y Avg | 29.8% |
| FCF/Rev LTM | 30.4% |
| FCF/Rev 3Y Avg | 28.1% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 1.3 |
| P/S | 3.4 |
| P/Op Inc | - |
| P/EBIT | - |
| P/E | 15.5 |
| P/CFO | 11.3 |
| Total Yield | 7.6% |
| Dividend Yield | 2.5% |
| FCF Yield 3Y Avg | 8.9% |
| D/E | 1.1 |
| Net D/E | 0.1 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | 10.5% |
| 3M Rtn | 8.5% |
| 6M Rtn | 26.2% |
| 12M Rtn | 40.8% |
| 3Y Rtn | 54.1% |
| 1M Excs Rtn | -2.0% |
| 3M Excs Rtn | 5.3% |
| 6M Excs Rtn | 20.5% |
| 12M Excs Rtn | 7.7% |
| 3Y Excs Rtn | -27.3% |
Price Behavior
| Market Price | $13.94 | |
| Market Cap ($ Bil) | 0.6 | |
| First Trading Date | 11/08/2007 | |
| Distance from 52W High | -1.1% | |
| 50 Days | 200 Days | |
| DMA Price | $13.52 | $11.82 |
| DMA Trend | up | up |
| Distance from DMA | 3.1% | 17.9% |
| 3M | 1YR | |
| Volatility | 28.9% | 31.2% |
| Downside Capture | 0.17 | 0.45 |
| Upside Capture | 95.31 | 101.43 |
| Correlation (SPY) | 25.3% | 40.5% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.32 | 0.69 | 0.71 | 0.74 | 0.81 | 0.98 |
| Up Beta | 0.11 | 0.55 | 1.68 | 1.51 | 0.72 | 1.02 |
| Down Beta | 0.50 | 0.13 | 0.33 | 0.66 | 0.84 | 0.84 |
| Up Capture | 40% | 162% | 127% | 80% | 91% | 94% |
| Bmk +ve Days | 7 | 16 | 27 | 65 | 139 | 424 |
| Stock +ve Days | 9 | 18 | 27 | 56 | 119 | 343 |
| Down Capture | 14% | 34% | 21% | 43% | 88% | 102% |
| Bmk -ve Days | 12 | 23 | 33 | 58 | 110 | 323 |
| Stock -ve Days | 13 | 24 | 35 | 67 | 125 | 389 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with NFBK | |
|---|---|---|---|---|
| NFBK | 45.3% | 31.1% | 1.22 | - |
| Sector ETF (XLF) | 8.5% | 14.7% | 0.34 | 53.4% |
| Equity (SPY) | 31.2% | 12.5% | 1.91 | 40.3% |
| Gold (GLD) | 39.7% | 27.2% | 1.21 | -12.3% |
| Commodities (DBC) | 45.1% | 18.1% | 1.93 | -18.6% |
| Real Estate (VNQ) | 13.1% | 13.4% | 0.67 | 34.6% |
| Bitcoin (BTCUSD) | -17.7% | 42.1% | -0.35 | 12.1% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with NFBK | |
|---|---|---|---|---|
| NFBK | 1.7% | 31.7% | 0.10 | - |
| Sector ETF (XLF) | 10.2% | 18.7% | 0.42 | 55.1% |
| Equity (SPY) | 12.9% | 17.1% | 0.59 | 38.9% |
| Gold (GLD) | 20.9% | 17.8% | 0.96 | -4.4% |
| Commodities (DBC) | 14.5% | 19.1% | 0.62 | 3.6% |
| Real Estate (VNQ) | 3.4% | 18.8% | 0.08 | 40.2% |
| Bitcoin (BTCUSD) | 6.5% | 56.3% | 0.33 | 14.4% |
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Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with NFBK | |
|---|---|---|---|---|
| NFBK | 1.8% | 31.6% | 0.13 | - |
| Sector ETF (XLF) | 12.7% | 22.2% | 0.53 | 62.1% |
| Equity (SPY) | 14.8% | 17.9% | 0.71 | 47.4% |
| Gold (GLD) | 13.8% | 15.9% | 0.72 | -5.3% |
| Commodities (DBC) | 10.0% | 17.8% | 0.47 | 11.6% |
| Real Estate (VNQ) | 5.3% | 20.7% | 0.22 | 45.7% |
| Bitcoin (BTCUSD) | 68.2% | 66.9% | 1.07 | 13.0% |
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Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 4/21/2026 | -1.7% | ||
| 2/3/2026 | -1.1% | -0.1% | -1.5% |
| 10/23/2025 | -3.5% | -7.8% | -7.1% |
| 7/25/2025 | -4.3% | -6.3% | 4.5% |
| 4/24/2025 | -1.0% | 6.2% | 14.8% |
| 1/23/2025 | -1.9% | -3.0% | -3.7% |
| 10/24/2024 | -2.0% | 0.3% | 18.7% |
| 7/25/2024 | 3.7% | 2.0% | -3.8% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 9 | 12 | 14 |
| # Negative | 15 | 11 | 9 |
| Median Positive | 1.5% | 2.4% | 2.8% |
| Median Negative | -1.8% | -4.5% | -3.7% |
| Max Positive | 3.7% | 12.3% | 18.7% |
| Max Negative | -7.7% | -7.8% | -13.9% |
Recent Forward Guidance [BETA]
Latest: Q1 2026 Earnings Reported 4/21/2026
| Forward Guidance | Guidance Change | ||||||
|---|---|---|---|---|---|---|---|
| Metric | Low | Mid | High | % Chg | % Delta | Change | Prior |
| 2026 Loans to re-price | 37.10 Mil | -26.1% | Lowered | Guidance: 50.20 Mil for 2026 | |||
Prior: Q4 2025 Earnings Reported 2/3/2026
| Forward Guidance | Guidance Change | ||||||
|---|---|---|---|---|---|---|---|
| Metric | Low | Mid | High | % Chg | % Delta | Change | Prior |
| 2026 Loans Re-pricing | 50.20 Mil | 169.9% | Higher New | Actual: 18.60 Mil for 2025 | |||
Insider Activity
Expand for More| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Stahlin, Paul | Direct | Buy | 3192026 | 13.19 | 10,000 | 131,900 | 716,929 | Form | |
| 2 | Stahlin, Paul | Direct | Sell | 6202025 | 11.66 | 4,769 | 55,607 | 517,168 | Form | |
| 3 | Stahlin, Paul | Direct | Sell | 6202025 | 11.66 | 3,231 | 37,673 | 572,774 | Form | |
| 4 | Patafio, Frank P | Direct | Sell | 4302025 | 10.13 | 5,000 | 50,664 | 1,499,026 | Form |
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