NASDAQ$NFBK

Northfield Bancorp Inc · Q1 2023 earnings

Q1 2023 earnings · · Investor relations

Briefing

Reported a net income of $11.7 million and EPS of $0.26, with net interest margin decreasing to 2.63%.

Northfield Bancorp reported a net income of $11.7 million, or $0.26 per diluted share, for the quarter ended March 31, 2023. The decrease in net income compared to the previous quarter and the same quarter last year was primarily due to a decrease in net interest income driven by higher funding costs, which was partially offset by higher yields on interest-earning assets. The company repurchased 1.1 million shares for $16.0 million during the quarter and declared a cash dividend of $0.13 per share.

  • Diluted earnings per share were $0.26 for the current quarter.
  • Net interest margin decreased by 26 basis points to 2.63%.
  • Total deposits (excluding brokered) modestly decreased by $64.7 million, or 1.7%.
  • Loans balances remained substantially unchanged at $4.2 billion.

Headline financials

Total Revenue

$38.2M

Previous: $38.6M-0.9%
EPS (adj)

$0.26

Previous: $0.30-13.3%
Net interest margin

2.6%

Previous: 2.9%-8.4%
Efficiency ratio

55.3%

Previous: 48.5%+14.0%
NPL to total loans

0.2%

Previous: 0.2%+4.8%
Free Cash Flow

$11.7M

Previous: $13.8M-14.9%
Net Income

$11.7M

Previous: $14.1M-17.1%
Operating Income

$15.4M

Previous: $27.1M-43.0%
Gross Profit

$38.2M

Previous: $38.2M+0.1%
Cash & Equivalents

$159M

Previous: $136M+17.3%
Total Assets

$5.66B

Previous: $5.52B+2.7%
Stock-Based Comp

$1.11M

Previous: $847K+31.2%

Revenue & EPS history

Northfield Bancorp · Revenue · Quarterly

$38.2M

Q1 2023-0.9%vs Q1 2022
Beat estimate in 9 of 13 quarters(69%)
ActualEstimate

Forward guidance

The first quarter of 2023 brought continued macroeconomic challenges from rapidly rising interest rates, inversion of the yield curve, and upward pressure on deposit pricing. In addition, the first quarter included the addition of systemic concerns regarding the soundness of the banking system.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 19 quarterly earnings reports · overlaid with Q1 2023

Historical avgQ1 2023

-0.2%

Avg return

Earnings day

-0.4%

Avg return

5 days after

+0.1%

Avg return

30 days after

54%

35 / 65 earnings

Positive

+11.8%

Q4 2025

Best reaction

-8.6%

Q4 2022

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+0.4%+0.9%+5.4%
Q4 2025+11.8%+12.6%+9.3%
Q3 2025+1.2%-1.6%-3.6%
Q2 2025-2.4%-1.8%+3.3%
Q1 2025-1.7%-2.5%-1.2%
Q4 2024+4.0%+2.3%-0.4%
Q3 2024-1.7%+0.4%+15.4%
Q2 2024+2.1%+0.2%-1.8%
Q1 2024-7.0%-4.6%+1.0%
Q4 2023+4.8%+4.6%-20.8%
Q3 2023+0.1%-0.6%+13.0%
Q2 2023+2.6%+0.6%-12.6%
Q1 2023-1.5%-3.8%-2.4%
Q4 2022-8.6%-7.4%-6.7%
Q3 2022+0.3%+3.4%+1.9%
Q2 2022+5.3%+7.4%+8.5%
Q1 2022+1.3%-2.3%-1.4%
Q4 2021-6.0%-6.5%-6.3%
Q3 2021+0.5%+2.8%-2.3%
Q2 2021+3.3%+2.5%+6.3%
Q1 2021+0.6%+1.9%+4.8%
Q4 2020-2.6%-2.1%+6.5%
Q3 2020-3.0%-0.7%+11.1%
Q2 2020+1.3%-6.0%-6.6%
Q1 2020+0.4%-1.3%-2.7%
Q4 2019-0.6%-2.5%-14.5%
Q3 2019-1.1%+0.5%-0.4%
Q2 2019-0.8%+0.6%-3.7%
Q1 2019+0.2%+3.5%+3.7%
Q4 2018+0.1%+1.8%+4.0%
Q3 2018-7.8%-7.0%-4.7%
Q2 2018-1.0%-4.6%-2.1%
Q1 2018-2.0%-1.6%+2.1%
Q4 2017+0.2%-0.8%-5.3%
Q3 2017+1.4%-2.4%-1.0%
Q2 2017-3.7%-1.4%-5.7%
Q1 2017+2.2%+0.4%-10.2%
Q4 2016-0.2%-1.3%+3.4%
Q3 2016+0.1%+1.4%+16.1%
Q2 2016-1.0%-0.6%+4.6%
Q1 2016-3.5%
Q4 2015+2.7%
Q3 2015+1.3%
Q2 2015-3.6%
Q1 2015+0.0%
Q4 2014-0.2%
Q3 2014+0.4%
Q2 2014+2.0%
Q1 2014+1.3%
Q4 2013-1.6%
Q3 2013+0.3%
Q3 2012+0.3%
Q2 2013-0.2%
Q2 2012-0.2%
Q1 2012+0.4%
Q1 2013-1.1%
Q4 2010+0.4%
Q4 2011+0.4%
Q4 2012+0.4%
Q3 2011-1.2%
Q2 2011-3.1%
Q1 2011+0.6%
Q3 2010-0.1%
Q2 2010+0.9%
Q1 2010-3.0%

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