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NFBKNorthfield Bancorp, Inc.Sell5.8·$14.79-0.80%
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Northfield Bancorp, Inc. (NFBK) Stock Analysis

Breakout setup · Catalyst-Driven edge

SellModerate Confidence

Financial Services · Banks - Regional

Sell if holding. Engine safety override at $14.79: Quality below floor (3.7 < 4.0) triggers a hard block regardless of the otherwise-positive setup — overall score 5.8/10. Specifically: Below-average business quality.

Northfield Bancorp, Inc. operates as the bank holding company for Northfield Bank that provides a range of banking services primarily to individuals and corporate customers. It offers deposit accounts, including transaction, money market savings, certificates of deposit,... Read more

$14.79-0.5% A.UpsideScore 5.8/10#131 of 225 Banks - Regional
QualityF-score8 / 9FCF yield
IncomeYield3.52%(5y avg 4.20%)Payout400.00%at-risk
Stop $14.27Target $14.71(resistance)A.R:R -3.3:1
Analyst target$14.50-2.0%1 analysts
Range unavailable (1 analysts)

Sell if holding. Engine safety override at $14.79: Quality below floor (3.7 < 4.0) triggers a hard block regardless of the otherwise-positive setup — overall score 5.8/10. Specifically: Below-average business quality. Chart setup: Golden cross, above all MAs, RSI 52, MACD bullish. Score 5.8/10, moderate confidence.

Passes 7/9 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 18d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.

TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Wed, Jul 22, 202618d to earnings· next earnings call

Thesis

Rewards
No bull case signals
Risks
Target reached (-16.7% upside)
Quality below floor (3.7 < 4.0)

Key Metrics

P/E (TTM)113.8
P/E (Fwd)9.9
Mkt Cap$618M
EV/EBITDA
Profit Mgn3.1%
ROE0.7%
Rev Growth24.5%
Beta0.70
Dividend3.52%
Rating analysts6

Quality Signals

Piotroski F8/9

Options Flow

IV122%elevated

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.

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Methodology · Editorial policy & full disclaimer

Rating Breakdown

2 floor-breakers·1 ceiling hit

Quality below the gate floor. Component breakdown shows what dragged the score down.static

Gross Margin
0.0
Roa
0.1
Roe
0.2
Net Margin
1.5
Moat
5.4
Piotroski F
8.9
Operating Margin
10.0
No competitive moatStrong Piotroski F-Score: 8/9

Ranks in the bottom of its industry peers on the composite signal. Better names in the same sector exist.static

Quality Rank
0.2
Value Rank
2.5
Growth Rank
7.4
GatesA.R:R -3.3=NEGATIVEMomentum 4.6<5.5 (soft — BUY_NOW allowed but watch)Momentum 4.6>=4.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 18d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARBreakoutSuitability: Aggressive
RSI
52 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $14.15Resistance $15.01

Price Targets

$14
$15
A.Upside-0.5%
A.R:R-3.3:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Risk Alerts

! Target reached (-16.7% upside)
! Quality below floor (3.7 < 4.0)
! Negative risk/reward — downside exceeds upside

Earnings

B
B
B
M
3/4 beats
Next Earnings2026-07-22 (18d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is NFBK stock a buy right now?

Sell if holding. Engine safety override at $14.79: Quality below floor (3.7 < 4.0) triggers a hard block regardless of the otherwise-positive setup — overall score 5.8/10. Specifically: Below-average business quality. Chart setup: Golden cross, above all MAs, RSI 52, MACD bullish. Prior stop was $14.27. Score 5.8/10, moderate confidence.

What is the NFBK stock price target?

Take-profit target: $14.71 (-0.5% upside). Prior stop was $14.27. Stop-loss: $14.27.

What are the risks of investing in NFBK?

Target reached (-16.7% upside); Quality below floor (3.7 < 4.0).

Is NFBK overvalued or undervalued?

Northfield Bancorp, Inc. trades at a P/E of 113.8 (forward 9.9). TrendMatrix value score: 7.3/10. Verdict: Sell.

What do analysts say about NFBK?

6 analysts cover NFBK with a consensus score of 2.2/5. Average price target: $15.

What does Northfield Bancorp, Inc. do?Northfield Bancorp, Inc. operates as the bank holding company for Northfield Bank that provides a range of banking...

Northfield Bancorp, Inc. operates as the bank holding company for Northfield Bank that provides a range of banking services primarily to individuals and corporate customers. It offers deposit accounts, including transaction, money market savings, certificates of deposit, passbook and statement savings deposit accounts. The company also provides commercial and industrial and owner-occupied commercial real estate loans; one-to-four family residential real estate loans; multifamily loans; construction and land loans; home equity loans and lines of credit; and small business loans. In addition, it purchases investment securities, including mortgage-backed securities and corporate bonds, and deposit funds in other financial institutions. Further, the company provides automated teller machines and debit cards; telephone, internet, and mobile banking services; and ACH and wire transfers, cash management, positive pay, and remote deposit capture services. It operates in Richmond and Kings counties in New York; and Hunterdon, Mercer, Union, and Middlesex counties in New Jersey. Northfield Bancorp, Inc. was founded in 1887 and is headquartered in Woodbridge, New Jersey.

Related stocks: NBN (Northeast Bank) · BWFG (Bankwell Financial Group, Inc.) · NPB (Northpointe Bancshares, Inc.) · CUBI (Customers Bancorp, Inc) · COFS (ChoiceOne Financial Services, I)
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