Northfield Bancorp Inc (NFBK) - Net Assets
Based on the latest financial reports, Northfield Bancorp Inc (NFBK) has net assets worth $690.06 Million USD as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($5.75 Billion) and total liabilities ($5.06 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check Northfield Bancorp Inc liquidity resilience to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $690.06 Million |
| % of Total Assets | 11.99% |
| Annual Growth Rate | 19.26% |
| 5-Year Change | -86.25% |
| 10-Year Change | 11.09% |
| Growth Volatility | 399.8 |
Northfield Bancorp Inc - Net Assets Trend (1999–2025)
This chart illustrates how Northfield Bancorp Inc's net assets have evolved over time, based on quarterly financial data. Also explore Northfield Bancorp Inc total assets for the complete picture of this company's asset base.
Annual Net Assets for Northfield Bancorp Inc (1999–2025)
The table below shows the annual net assets of Northfield Bancorp Inc from 1999 to 2025. For live valuation and market cap data, see NFBK company net worth.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $690.06 Million | -2.08% |
| 2024-12-31 | $704.70 Million | +0.75% |
| 2023-12-31 | $699.45 Million | -0.28% |
| 2022-12-31 | $701.39 Million | -86.03% |
| 2021-12-31 | $5.02 Billion | +1.29% |
| 2020-12-31 | $4.96 Billion | +612.08% |
| 2019-12-31 | $695.85 Million | +4.41% |
| 2018-12-31 | $666.44 Million | +4.31% |
| 2017-12-31 | $638.88 Million | +2.85% |
| 2016-12-31 | $621.20 Million | +10.97% |
| 2015-12-31 | $559.78 Million | -5.75% |
| 2014-12-31 | $593.93 Million | -17.06% |
| 2013-12-31 | $716.11 Million | +72.61% |
| 2012-12-31 | $414.87 Million | +8.42% |
| 2011-12-31 | $382.65 Million | -3.55% |
| 2010-12-31 | $396.72 Million | +1.32% |
| 2009-12-31 | $391.54 Million | +1.28% |
| 2008-12-31 | $386.58 Million | +5.24% |
| 2007-12-31 | $367.34 Million | +124.00% |
| 2006-12-31 | $163.99 Million | +8.06% |
| 2005-12-31 | $151.76 Million | +10.06% |
| 2003-12-31 | $137.89 Million | +1849.58% |
| 1999-12-31 | $7.07 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Northfield Bancorp Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 100.0% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Common Stock | $690.06 Million | 100.00% |
| Total Equity | $690.06 Million | 100.00% |
Northfield Bancorp Inc Competitors by Market Cap
The table below lists competitors of Northfield Bancorp Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Korea Line
KO:005880
|
$567.58 Million |
|
Zhejiang Runyang New Material Technology Co. Ltd.
SHE:300920
|
$567.62 Million |
|
Guan Chong Bhd
KLSE:5102
|
$567.65 Million |
|
Mastek Limited
NSE:MASTEK
|
$567.83 Million |
|
Ningbo MedicalSystem Biotechnology Co Ltd
SHE:300439
|
$567.44 Million |
|
Qingdao Liqun Department Store Group Co Ltd
SHG:601366
|
$567.38 Million |
|
AMERISAFE Inc
NASDAQ:AMSF
|
$567.23 Million |
|
Qinghai Huzhu Barley Wine Co Ltd
SHE:002646
|
$567.18 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Northfield Bancorp Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 704,696,000 to 690,059,000, a change of -14,637,000 (-2.1%).
- Net income of 796,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 20,296,000.
- Other factors decreased equity by 35,729,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $796.00K | +0.12% |
| Other Comprehensive Income | $20.30 Million | +2.94% |
| Other Changes | $-35.73 Million | -5.18% |
| Total Change | $- | -2.08% |
Book Value vs Market Value Analysis
This analysis compares Northfield Bancorp Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.82x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 87.69x to 0.82x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1999-12-31 | $0.16 | $14.06 | x |
| 2003-12-31 | $0.56 | $14.06 | x |
| 2005-12-31 | $0.62 | $14.06 | x |
| 2006-12-31 | $0.67 | $14.06 | x |
| 2007-12-31 | $8.21 | $14.06 | x |
| 2008-12-31 | $8.96 | $14.06 | x |
| 2009-12-31 | $9.08 | $14.06 | x |
| 2010-12-31 | $9.52 | $14.06 | x |
| 2011-12-31 | $9.44 | $14.06 | x |
| 2012-12-31 | $7.53 | $14.06 | x |
| 2013-12-31 | $12.89 | $14.06 | x |
| 2014-12-31 | $11.87 | $14.06 | x |
| 2015-12-31 | $12.87 | $14.06 | x |
| 2016-12-31 | $13.59 | $14.06 | x |
| 2017-12-31 | $13.63 | $14.06 | x |
| 2018-12-31 | $14.15 | $14.06 | x |
| 2019-12-31 | $14.75 | $14.06 | x |
| 2020-12-31 | $15.45 | $14.06 | x |
| 2021-12-31 | $15.18 | $14.06 | x |
| 2022-12-31 | $15.10 | $14.06 | x |
| 2023-12-31 | $16.03 | $14.06 | x |
| 2024-12-31 | $16.93 | $14.06 | x |
| 2025-12-31 | $17.18 | $14.06 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Northfield Bancorp Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 0.12%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 0.43%
- • Asset Turnover: 0.03x
- • Equity Multiplier: 8.34x
- Recent ROE (0.12%) is below the historical average (5.03%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1999 | 5.36% | 1287.46% | 0.00x | 7.58x | $-327.93K |
| 2003 | 10.89% | 282.41% | 0.00x | 10.64x | $1.22 Million |
| 2005 | 8.67% | 18.62% | 0.05x | 9.28x | $-2.02 Million |
| 2006 | 6.61% | 15.61% | 0.05x | 7.90x | $-5.56 Million |
| 2007 | 2.86% | 13.98% | 0.05x | 3.78x | $-26.23 Million |
| 2008 | 4.10% | 19.50% | 0.05x | 4.55x | $-22.83 Million |
| 2009 | 3.08% | 13.25% | 0.05x | 5.11x | $-27.08 Million |
| 2010 | 3.48% | 14.78% | 0.04x | 5.66x | $-25.88 Million |
| 2011 | 4.40% | 16.94% | 0.04x | 6.21x | $-21.44 Million |
| 2012 | 3.86% | 16.01% | 0.04x | 6.78x | $-25.46 Million |
| 2013 | 2.67% | 18.66% | 0.04x | 3.77x | $-52.46 Million |
| 2014 | 3.41% | 20.23% | 0.03x | 5.09x | $-39.13 Million |
| 2015 | 3.49% | 17.81% | 0.03x | 5.72x | $-36.45 Million |
| 2016 | 4.21% | 19.35% | 0.04x | 6.20x | $-35.99 Million |
| 2017 | 3.88% | 17.14% | 0.04x | 6.25x | $-39.12 Million |
| 2018 | 6.01% | 25.79% | 0.04x | 6.61x | $-26.56 Million |
| 2019 | 5.78% | 22.36% | 0.04x | 7.26x | $-29.35 Million |
| 2020 | 4.91% | 20.59% | 0.03x | 7.31x | $-38.41 Million |
| 2021 | 9.55% | 37.83% | 0.03x | 7.34x | $-3.33 Million |
| 2022 | 8.71% | 32.57% | 0.03x | 7.99x | $-9.02 Million |
| 2023 | 5.39% | 18.04% | 0.04x | 8.00x | $-32.28 Million |
| 2024 | 4.25% | 11.91% | 0.04x | 8.04x | $-40.52 Million |
| 2025 | 0.12% | 0.43% | 0.03x | 8.34x | $-68.21 Million |
Industry Comparison
This section compares Northfield Bancorp Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $552,557,300
- Average return on equity (ROE) among peers: 11.02%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Northfield Bancorp Inc (NFBK) | $690.06 Million | 5.36% | 7.34x | $567.57 Million |
| Ameris Bancorp (ABCB) | $1.46 Billion | 8.31% | 6.86x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $5.70 Billion |
| ACNB Corporation (ACNB) | $74.01 Million | 9.97% | 11.77x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $129.12 Million | 4.21% | 5.71x | $135.98 Million |
| Alerus Financial Corp (ALRS) | $153.31 Million | 13.22% | 8.01x | $647.19 Million |
| Amalgamated Bank (AMAL) | $535.82 Million | 8.62% | 10.16x | $1.14 Billion |
| Amerant Bancorp Inc. (AMTB) | $901.22 Million | 12.53% | 7.48x | $962.39 Million |
| Arrow Financial Corporation (AROW) | $72.29 Million | 17.85% | 12.85x | $601.02 Million |
| Associated Banc-Corp (ASB) | $2.02 Billion | 12.80% | 9.17x | $5.20 Billion |
| AmeriServ Financial Inc (ASRV) | $65.10 Million | 11.83% | 10.90x | $62.60 Million |
About Northfield Bancorp Inc
Northfield Bancorp, Inc. (Staten Island, NY) 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 passbook, statement, money market savings, and transaction deposit accounts, as well as certificates of deposit. The company also provides commercial and industrial an… Read more