NASDAQ$NFBK

Northfield Bancorp Inc · Q3 2020 earnings

Q3 2020 earnings · · Investor relations

Briefing

Reported diluted earnings per share of $0.17 and net income of $8.6 million.

Northfield Bancorp reported a diluted earnings per share of $0.17 for Q3 2020, compared to $0.28 for Q3 2019. Net income for the quarter was $8.6 million, down from $13.1 million in the same period last year. The acquisition of Victory was completed on July 1, 2020, adding significant assets, loans, and deposits.

  • Diluted earnings per share were $0.17 for Q3 2020, compared to $0.28 for Q3 2019.
  • Net interest income increased by $3.8 million, or 13.1%, compared to the prior year quarter.
  • The acquisition of Victory was completed on July 1, 2020, adding total assets of $403.0 million, loans of $180.4 million, and deposits of $354.6 million.
  • Loan deferrals reduced from $345.9 million at June 30, 2020, to $105.6 million at September 30, 2020.

Headline financials

Total Revenue

$35.6M

Previous: $33.6M+6.2%
EPS (adj)

$0.23

Previous: $0.20+15.0%
NPL to total loans

0.3%

Previous: 0.3%-3.2%
Capital Expenditures

-$1.58M

Previous: -$2.68M+41.2%
Free Cash Flow

$7.01M

Previous: $10.5M-33.0%
Net Income

$8.58M

Previous: $13.1M-34.7%
Operating Income

$15.5M

Previous: $8.91M+74.4%
Gross Profit

$35.5M

Previous: $32.3M+10.0%
Cash & Equivalents

$351M

Previous: $69.7M+403.7%
Total Assets

$5.59B

Previous: $4.81B+16.2%
Stock-Based Comp

$647K

Previous: $911K-29.0%

Revenue & EPS history

Northfield Bancorp · Revenue · Quarterly

$35.6M

Q3 2020+6.2%vs Q3 2019
Beat estimate in 11 of 16 quarters(69%)
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.

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
  • Inflation and changes in the interest rate environment that reduce our margins or reduce the fair value of financial instruments

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 Q3 2020

Historical avgQ3 2020

-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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