Net interest margin trajectory - spread between loan yields and deposit costs, currently compressed by inverted yield curve
NYC commercial real estate credit quality - delinquencies and charge-offs on multifamily and CRE loans
Deposit beta and funding costs - ability to retain low-cost deposits as Fed policy shifts
Regulatory capital ratios and potential M&A activity as sub-scale regional thrift
moderate-to-high - Regional thrifts are highly sensitive to local real estate market conditions. NYC commercial real estate faces structural headwinds from office vacancies and rent regulation on multifamily properties. Economic weakness increases loan defaults while reducing loan demand. The -26.7% revenue decline and -97% net income drop reflect severe margin compression and likely elevated provisioning.
Extremely high sensitivity with asymmetric impact. Rising short-term rates increase deposit costs immediately while loan yields reprice slowly due to longer-duration fixed-rate CRE loans. The inverted yield curve (2Y > 10Y) particularly damages thrift profitability by compressing the term premium. When the Fed cuts rates, NIM should expand as deposit costs fall faster than loan yields, but this depends on competitive deposit pricing dynamics. The 1.48x debt/equity reflects wholesale borrowing to fund loan growth, amplifying rate sensitivity.
Sub-scale economics as $4.5B asset bank - lacks efficiency and technology investment capacity of larger regionals, making it potential M&A target but at depressed valuation
NYC rent regulation laws permanently impair multifamily loan collateral values and borrower cash flows, creating structural credit risk in core portfolio
Digital banking disruption eroding deposit franchise as younger customers migrate to online-only banks offering higher rates
value - The 0.8x price/book ratio attracts deep value investors betting on mean reversion as interest rate environment normalizes and NIM expands. The 31.6% three-month return suggests tactical traders are positioning for Fed rate cuts. However, the near-zero profitability and negative revenue growth deter quality-focused value investors. Potential M&A speculation may attract event-driven funds given sub-scale economics.
Trend
+4.0% vs SMA 50 · +17.5% vs SMA 200
Momentum
Distribution pattern detected. More selling days than accumulation over the past 20 sessions. Not a conducive environment for a squeeze.
Based on volume distribution analysis. Direct short interest data (short float %, days to cover) is not available in current data sources.
Analyst consensus estimates · Actuals replace estimates as reported
| Year | Revenue Est. | Rev Gth | EPS Est. | EPS Gth | Range | Analysts |
|---|---|---|---|---|---|---|
FY2023 | $126.9M $126.9M–$126.9M | — | $0.67 | — | — | Low1 |
FY2024 | $126.0M $126.0M–$126.0M | ▼ -0.7% | $0.63 | ▼ -6.8% | — | Low2 |
FY2025 | $150.9M $150.9M–$150.9M | ▲ +19.8% | $0.98 | ▲ +56.4% | — | Low1 |
Dividend per payment — last 8 periods
New York, New York--(Newsfile Corp. - May 2, 2026) - WHY: Rosen Law Firm, a global investor rights l…
Northfield Bank, founded in 1887, operates 38 full-service banking offices in Staten Island and Brooklyn, New York, and Hunterdon, Middlesex, Mercer, and Union counties, New Jersey.
| Symbol | Price | Day % | Mkt Cap↓ | P/E | Rev Grw | Margin | ELO |
|---|---|---|---|---|---|---|---|
NFBK◀ | $14.06 | +0.79% | $587M | 117.4 | -2668.9% | 43.2% | 1500 |
| $312.47 | -0.24% | $842.7B | 14.8 | +330.7% | 2039.3% | 1506 | |
| $328.03 | -0.55% | $628.8B | 28.2 | +1134.0% | 5014.5% | 1500 | |
| $495.46 | -1.19% | $438.6B | 28.4 | +1641.6% | 4564.7% | 1491 | |
| $53.24 | -0.41% | $382.1B | 12.2 | -45.1% | 1592.6% | 1502 | |
| $190.18 | -0.22% | $302.0B | 16.4 | +1147.7% | 1466.4% | 1518 | |
| $923.71 | -0.01% | $274.1B | 15.5 | -138.4% | 1373.0% | 1516 | |
| Sector avg | — | -0.26% | — | 33.3 | +200.2% | 2299.1% | 1505 |