Northfield Bancorp Inc's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Northfield Bancorp Inc (NFBK) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Northfield Bancorp Inc vs Its Competitors
- TTM: Trailing 12-month revenue of 155M vs 7,619M combined for tracked competitors (2.0% combined share).
- Trending: Latest-quarter revenue run-rate is accelerating (+3.7% annualized vs trailing 12 months), vs accelerating (+2.1%) for its tracked peer group.
- Growth: Northfield Bancorp Inc generated 24.5% revenue growth year over year in Q1 2026, vs 15.1% for its tracked competitors combined.
- Profitability: Its 29.5% net margin compares with 32.2% for the peer group.
- Peer revenue share: Northfield Bancorp Inc accounted for 2.0% of combined revenue among its tracked peer group, up from 1.9% a year earlier.
- Peer differentiation: Revenue per employee of $0.39M compares with $0.08M for the peer group (4.8x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
NFBK Sales vs. its Competitors, Q1 2026
Northfield Bancorp Inc reported revenue growth of 24.50 % year on year in Q1 2026, above its competitors' combined revenue growth of 15.12 %.
With a net margin of 29.51 %, Northfield Bancorp Inc reported lower profitability than its competitors (32.22 %).
Northfield Bancorp Inc generated 2.02 % of the combined sales of its peer group, up from 1.87 % a year earlier.
Northfield Bancorp Inc vs. its Competitors, Q1 2026
Revenue growth, year on year
Net income growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in an SEC filing; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Northfield Bancorp Inc and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Northfield Bancorp Inc | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
| High-Confidence Competitors (2) | $12,345M | +12.3% · Accelerating |
| Similar Growth & Profitability (1) | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Northfield Bancorp Inc's competitor groups requires a Commercial License.
For context: the S&Ls Savings Banks industry grew revenue 2,106.4% year over year, combined, vs 24.5% for Northfield Bancorp Inc. Northfield Bancorp Inc's share of combined industry revenue moved from 0.64% to 0.04%, a loss of 0.60 percentage points.
Northfield Bancorp Inc's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Northfield Bancorp Inc | Yes | Yes | Yes | No |
| Competitors combined (28) | ||||
| High-Confidence Competitors (3) | ||||
| Similar Growth & Profitability (8) | 87.50 % (7 of 8) | 100.00 % (8 of 8) | 75.00 % (6 of 8) | 14.30 % (1 of 7) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
NFBK Stock Performance relative to its Competitors
NFBK Stock Performance relative to High-Confidence Competitors
NFBK Stock Performance relative to Similar Growth & Profitability Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Brookline Bancorp inc | 282.9% | Outperformed |
| 2 | Merchants Bancorp | 282.9% | Outperformed |
| 3 | Peapack gladstone Financial Corporation | 282.9% | Outperformed |
| 4 | Chemung Financial Corp | 282.9% | Outperformed |
| 5 | Greene County Bancorp Inc | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Northfield Bancorp Inc's best-performing tracked competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Northfield Bancorp Inc's Comment on Competition and Industry Peers
We face intense competition in our market areas both in making loans and attracting deposits. Our market areas have a high concentration of financial institutions, including large money center and regional banks, community banks, and credit unions. We face additional competition for deposits from money market funds, brokerage firms, mutual funds, and insurance companies. Some of our competitors offer products and services that we do not offer, such as trust services and private banking.
Publicly Traded Peers of Northfield Bancorp Inc
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
| Northfield Bancorp Inc | 611.22 | 154.81 |
| Bank Bradesco | 17,745.97 | 118.96 |
| First Bancorp | 4,125.38 | 954.21 |
| Banc Of California Inc | 2,751.48 | 1,016.11 |
| Customers Bancorp Inc | 2,645.51 | 826.80 |
| First Bancorp | 2,609.55 | 410.68 |
| SUBTOTAL | 47,506.00 | 8,429.92 |
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Sources: Northfield Bancorp Inc's official press releases and regulatory filings; CSIMarket.com's market research; and the financial filings and press releases of the other companies cited.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Northfield Bancorp Inc versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Northfield Bancorp Inc's Competitors Named by the Company
Competitive relationships identified from SEC filings and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| Steris Plc | Named by the company | 85% |
| Steris Plc | Named by the company | 85% |
| Columbia Financial Inc | Named by the company | 85% |
| First Bancorp | Named by the company | 85% |
| Bank Bradesco | Named by the company | 85% |
| Financial Institutions Inc | Named by the company | 85% |
| Power Reit | Named by the company | 85% |
| First Bancorp | Named by the company | 85% |
Filing basis, confidence, active dates and source counts for Northfield Bancorp Inc's named competitors require a Commercial License.
Methodology: relationships are extracted from SEC filings (named-competitor disclosures) and corroborating sources. Named by the company = explicitly disclosed as a competitor; Inferred = derived from corroborating signals. Confidence reflects evidence strength.
Northfield Bancorp Inc's Business Segment Mix vs Peers
Revenue by operating segment or division, as named and reported by each company. Segment names are the filer's own and are not standardized across companies. Do not assume a same-named or similarly-named segment is defined identically between two companies. Shares are of each company's own total revenue and are not required to sum to 100% (intersegment revenue, unallocated items).| Company | Largest Segment |
|---|---|
| Peapack gladstone Financial Corporation | Banking Segment 79.28 % |
Source: operating segment revenue as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API, leaf-level reportable segments only (parent roll-up segments are excluded where sub-segments are separately disclosed).
Northfield Bancorp Inc's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Northfield Bancorp Inc | 611 | 389,952 | 11,997 |
| Bank Bradesco | 17,746 | 1,449 | 55,371 |
| First Bancorp | 4,125 | 296,523 | 115,773 |
| Banc Of California Inc | 2,751 | 533,670 | -11,752 |
| Customers Bancorp Inc | 2,646 | 951,443 | 327,315 |
| First Bancorp | 2,610 | 298,892 | 96,823 |
| PEERS TOTAL | 46,895 | 81,970 | 66,478 |
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Northfield Bancorp Inc's Position in Industry Market Structure
Market-capitalization share and concentration across all 37 companies in Northfield Bancorp Inc's industry classification, broader than the peer set above. Market cap in millions of $.Northfield Bancorp Inc ranks #0 of 37 companies by market capitalization in its industry, holding 0.00 % of total industry market cap. The industry's Herfindahl-Hirschman Index (HHI) is 5, indicating a unconcentrated market structure (U.S. antitrust guidance: below 1,500 unconcentrated, 1,500 to 2,500 moderately concentrated, above 2,500 highly concentrated).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 2 | Axos Financial Inc | 4,970 | 1.15 % |
| 3 | Eastern Bankshares Inc | 4,633 | 1.07 % |
| 4 | Tfs Financial Corporation | 4,609 | 1.07 % |
| 5 | Bankunited inc | 3,092 | 0.72 % |
| 6 | Provident Financial Services Inc | 1,234 | 5.2% |
| 7 | Columbia Financial Inc | 1,234 | 5.2% |
| 8 | Brookline Bancorp inc | 1,234 | 5.2% |
| 9 | Capitol Federal Financial Inc | 1,234 | 5.2% |
| 10 | Hometrust Bancshares Inc | 1,234 | 5.2% |
| 11 | Kearny Financial Corp | 1,234 | 5.2% |
| 0 | Northfield Bancorp Inc | 611 | 0.00 % |
Market cap and industry share for the rest of Northfield Bancorp Inc's industry peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation) across CSIMarket's industry classification, market capitalization as of 2026-07-28.
Northfield Bancorp Inc's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the S&Ls Savings Banks industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (61 companies).| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | 95.86 % | 58.30 % (avg) | +37.6 pp |
| Operating Margin | 14.94 % | industry median | -14.2 pp |
| EBITDA Margin | 54.26 % | 37.67 % (avg) | +16.6 pp |
| Capital Intensity (Capex / Revenue) | 0.70 % | 3.69 % (avg) | -3.0 pp |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
Northfield Bancorp Inc's Valuation vs Competitive Position
Valuation multiples vs the S&Ls Savings Banks industry average (61 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 104.4x | 29.5x | +74.9x |
| EV / EBITDA | 14.9x | 10.9x | +4.0x |
| P/B | 0.8x | 1.1x | -0.4x |
| Return on Equity | 0.68 % | industry aggregate | -7.81 % |
| Return on Invested Capital | 0.96 % | 2.28 % (avg) | -1.32 % |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
Northfield Bancorp Inc's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in SEC filings.| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue Growth | 5.66 % | -1.99 % | 8.41 % | 1.55 % | 37.15 % | -8.21 % | 21.66 % | 15.66 % |
| Operating Margin | 43.44 % | 42.58 % | 41.89 % | 38.92 % | 55.10 % | 52.44 % | 31.88 % | 11.61 % |
| Return on Invested Capital | 2.87 % | 2.79 % | 2.59 % | 2.40 % | 4.91 % | 2.06 % | 0.62 % | 0.71 % |
| P/E | 32.7x | 16.1x | 19.8x | 15.8x | 11.8x | 11.8x | 17.2x | 566.9x |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Northfield Bancorp Inc's Strategic Group Map
Every company in Northfield Bancorp Inc's industry and named-competitor list, plotted by trailing 12-month revenue growth and operating margin. Northfield Bancorp Inc is shown in red; its closest peers by combined growth, margin and ROIC (the Similar Growth & Profitability group above) are labeled.
Source: CSIMarket API, trailing 12 months. Extreme outlier values (from near-zero-revenue companies) are excluded from the plotted cloud but never from the highlighted company or its labeled peers.
Northfield Bancorp Inc's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Competitive Rivalry | High | Industry HHI of 5 (see Industry Market Structure & Concentration above) |
| Barriers to Entry | Lower than typical for the industry | Capital intensity (capex / revenue) of 0.70 % vs industry average 3.69 % (see Profitability & Cost Structure above) |
| Supplier Power | Not covered on this page | See Northfield Bancorp Inc's dedicated suppliers page for concentration and dependency data |
| Buyer Power | Not covered on this page | See Northfield Bancorp Inc's dedicated customers page for concentration and dependency data |
| Threat of Substitutes | - | No systematic data source for cross-product substitution exists in this system; not estimated |
Note: this is a partial, data-grounded application of the framework, not a complete strategic assessment. Rivalry and barriers-to-entry readings are mechanical translations of the HHI and capital-intensity figures shown elsewhere on this page, not independent judgments.
Northfield Bancorp Inc's Industry Attractiveness & Competitive Strength
A CSIMarket composite, not a standard field: each axis is an equal-weighted average of three factors already shown elsewhere on this page (industry growth, industry profitability and rivalry for attractiveness; relative market share, profitability and growth vs industry for strength). Disclosed as a designed methodology, not a precision measurement.
Northfield Bancorp Inc falls in the Medium attractiveness / High strength cell: Invest / Grow.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
Northfield Bancorp Inc's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
- Latest-quarter revenue run-rate is accelerating (+3.7% annualized vs trailing 12 months).
Weaknesses
- Operating margin 14.2 points below the industry median.
- Return on equity 7.8 points below the industry aggregate.
Opportunities
No rule matched.
Threats
No rule matched.
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
Northfield Bancorp Inc's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Northfield Bancorp Inc | - | 0.99 | 1.01 |
| Bank Bradesco | - | 6.18 | - |
| First Bancorp | 0.05 | 0.53 | 0.14 |
| Banc Of California Inc | 0.08 | 0.82 | 0.65 |
| Customers Bancorp Inc | 0.06 | 0.30 | 0.23 |
| First Bancorp | 0.01 | 0.05 | 0.05 |
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Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Northfield Bancorp Inc's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Northfield Bancorp Inc | Q1 2026 | +24.5 % | +50.4 % |
| Bank Bradesco | Q4 2025 | -71.8 % | +36.4 % |
| First Bancorp | Q2 2026 | +9.4 % | +19.9 % |
| Banc Of California Inc | Q2 2026 | -22.8 % | - |
| Customers Bancorp Inc | Q2 2026 | +10.1 % | +23.9 % |
| First Bancorp | Q2 2026 | +15.9 % | +30.4 % |
| PEERS TOTAL | -5.6 % | +28.4 % |
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Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Northfield Bancorp Inc's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Northfield Bancorp Inc | Q1 2026 | -90.4 % | -27.1 % |
| Bank Bradesco | Q4 2025 | - | +118.7 % |
| First Bancorp | Q2 2026 | +1,584.5 % | +93.1 % |
| Banc Of California Inc | Q2 2026 | +313.8 % | +106.5 % |
| Customers Bancorp Inc | Q2 2026 | - | +12.3 % |
| First Bancorp | Q2 2026 | -47.2 % | -26.1 % |
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Northfield Bancorp Inc's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Northfield Bancorp Inc | 0.08% | 0.28% | 0.68% |
| Bank Bradesco | 1.03% | 1.03% | 13.37% |
| First Bancorp | 1.94% | 5.76% | 19.03% |
| Banc Of California Inc | - | - | - |
| Customers Bancorp Inc | 1.12% | 3.09% | 13.24% |
| First Bancorp | 1.04% | 2.84% | 7.99% |
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ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Northfield Bancorp Inc's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Northfield Bancorp Inc | 117.77 | 3.95 |
| Bank Bradesco | 0.75 | 149.18 |
| First Bancorp | 11.34 | 4.32 |
| Banc Of California Inc | - | 2.71 |
| Customers Bancorp Inc | 8.65 | 3.20 |
| First Bancorp | 19.60 | 6.35 |
| PEERS AVERAGE | 7.07 | 5.64 |
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P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.