NASDAQ$NFBK

Northfield Bancorp Inc · Q2 2021 earnings

Q2 2021 earnings · · Investor relations

Briefing

Reported diluted earnings per common share of $0.40, reflecting strategic initiatives focused on lending, deposit gathering, margin optimization, and expense discipline.

Northfield Bancorp reported a strong second quarter with diluted earnings per share increasing over 5% to $0.40 compared to the trailing quarter and over 73% compared to the second quarter of 2020. Net interest income increased by $8.5 million, or 28.0%, and the company repurchased 900,771 shares totaling approximately $14.7 million.

  • Diluted earnings per share increased over 5% to $0.40 as compared to the trailing quarter.
  • Net interest income increased $8.5 million, or 28.0%, compared to the second quarter of 2020.
  • Total loans, excluding PPP loans, decreased $80.6 million, or 2.1%.
  • Repurchased 900,771 shares totaling approximately $14.7 million.

Headline financials

Total Revenue

$43.6M

Previous: $34.5M+26.5%
EPS (adj)

$0.40

Previous: $0.23+73.9%
NPL to total loans

0.2%

Previous: 0.3%-14.8%
Capital Expenditures

-$1.03M

Previous: -$1.22M+16.2%
Free Cash Flow

$18.8M

Previous: $9.57M+96.1%
Net Income

$19.8M

Previous: $10.8M+83.4%
Operating Income

$26.2M

Previous: $13.9M+89.4%
Gross Profit

$39.9M

Previous: $32.5M+22.6%
Cash & Equivalents

$193M

Previous: $111M+74.2%
Total Assets

$5.43B

Previous: $5.04B+7.6%
Stock-Based Comp

$751K

Previous: $760K-1.2%

Revenue & EPS history

Northfield Bancorp · Revenue · Quarterly

$43.6M

Q2 2021+26.5%vs Q2 2020
Beat estimate in 10 of 16 quarters(63%)
ActualEstimate

Forward guidance

This release may contain certain 'forward looking statements' within the meaning of the Private Securities Litigation Reform Act of 1995, and may be identified by the use of such words as 'may,' 'believe,' 'expect,' 'anticipate,' 'should,' 'plan,' 'estimate,' 'predict,' 'continue,' and 'potential' or the negative of these terms or other comparable terminology.

Tailwinds

  • Estimates with respect to the financial condition
  • Estimates with respect to the results of operations
  • Estimates with respect to the business of Northfield Bancorp, Inc.
  • Our ability to successfully integrate acquired entities, including Victory
  • We expect to have sufficient funds available to meet current commitments in the normal course of business.

Headwinds

  • General economic conditions, particularly in the market areas in which the Company operates
  • The effects of the COVID-19 pandemic, including the effects of the steps taken to address the pandemic and their impact on the Company’s market and employees
  • Competition among depository and other financial institutions
  • Changes in laws or government regulations or policies affecting financial institutions, including changes in regulatory fees and capital requirements
  • Adverse changes in the securities markets

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 Q2 2021

Historical avgQ2 2021

-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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