NASDAQ$NFBK

Northfield Bancorp Inc · Q1 2025 earnings

Q1 2025 earnings · · After market close · Investor relations

Briefing

Northfield Bancorp reported Q1 2025, revenue of $63.1M, net income of $7.9M, diluted EPS of $0.19.

For Q1 2025, Northfield Bancorp reported revenue of $63.1M, net income of $7.9M, diluted EPS was $0.19. The filing highlights segment performance, liquidity, and management commentary on the period.

  • Revenue $63.1M.
  • Net income $7.9M.
  • Diluted EPS $0.19.

Headline financials

Total Revenue

$34.8M

Previous: $31.3M+11.3%
EPS (adj)

$0.19

Previous: $0.15+26.7%
Net interest margin

2.4%

Previous: 2.0%+17.2%
Efficiency ratio

61.6%

Previous: 71.4%-13.8%
NPA to total assets

0.3%

Previous: 0.3%+17.2%
NPL to total loans

0.5%

Previous: 0.4%+17.1%
Return on assets

0.6%

Previous: 0.4%+30.2%
Return on equity

4.5%

Previous: 3.6%+25.9%
Avg equity to avg assets

12.4%

Previous: 12.0%+3.2%
Interest rate spread

1.8%

Previous: 1.4%+26.6%
Non-int exp to avg assets

1.5%

Previous: 1.6%-1.3%
Non-int exp to IE assets

1.6%

Previous: 1.6%-1.2%
IE assets to IB liab

129.4%

Previous: 128.7%+0.6%
ACL to NPL

242.7%

Previous: 214.8%+13.0%
ACL to total loans

0.9%

Previous: 0.9%-2.2%
Net Income

$7.88M

Previous: $6.21M+26.7%
Operating Income

$10.8M

Previous: -$7.21M+249.7%

Revenue & EPS history

Northfield Bancorp · Revenue · Quarterly

$34.8M

Q1 2025+11.3%vs Q1 2024
Beat estimate in 9 of 13 quarters(69%)
ActualEstimate

Forward guidance

Management discusses operating priorities, capital allocation, and sector risks in the quarterly filing.

Tailwinds

  • Headline results and segment trends anchor the quarter.
  • Liquidity and balance-sheet capacity support operations.
  • Strategic initiatives outlined in MD&A.

Headwinds

  • Macro, rates, or input costs may pressure margins.
  • One-time items affect year-over-year comparability.
  • Execution risk on growth or restructuring plans.

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 2025

Historical avgQ1 2025

-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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