NASDAQ$NFBK

Northfield Bancorp Inc · Q3 2022 earnings

Q3 2022 earnings · · Investor relations

Briefing

Reported strong third quarter results driven by net interest income increase, net interest margin expansion, and loan growth.

Northfield Bancorp reported a net income of $17.0 million, or $0.37 per diluted share, for the third quarter of 2022, compared to $16.1 million, or $0.33 per diluted share for the third quarter of 2021. The increase in net income was primarily due to an increase in net interest income, driven by net interest margin expansion and loan growth.

  • Diluted earnings per share were $0.37 for the current quarter as compared to $0.33 for the third quarter of 2021.
  • Net interest income of $42.0 million increased $3.6 million from the third quarter of 2021.
  • Net interest margin increased by nine basis points to 3.08% compared to 2.99% for the third quarter of 2021.
  • Loans held-for-investment, excluding Paycheck Protection Program (“PPP”) loans, increased $140.8 million, or 13.7% annualized, from June 30, 2022.

Headline financials

Total Revenue

$44.3M

Previous: $41M+7.9%
EPS (adj)

$0.37

Previous: $0.33+12.1%
Net interest margin

3.1%

Previous: 3.0%+3.0%
Efficiency ratio

40.3%

Previous: 46.4%-13.0%
NPA to total assets

0.2%

No prior period
NPL to total loans

0.2%

Previous: 0.2%+15.0%
Capital Expenditures

-$2.2M

Previous: -$1.29M-70.1%
Free Cash Flow

$14.8M

Previous: $14.8M-0.1%
Net Income

$17M

Previous: $16.1M+5.6%
Operating Income

$27.3M

Previous: $27.6M-0.9%
Gross Profit

$41.6M

Previous: $40.9M+1.7%
Cash & Equivalents

$70.7M

Previous: $174M-59.3%
Total Assets

$5.67B

Previous: $5.4B+5.0%
Stock-Based Comp

$875K

Previous: $741K+18.1%

Revenue & EPS history

Northfield Bancorp · Revenue · Quarterly

$44.3M

Q3 2022+7.9%vs Q3 2021
Beat estimate in 9 of 13 quarters(69%)
ActualEstimate

Forward guidance

While the economic landscape remains unclear into this year end and beyond, presenting uncertainties and challenges related to loan and deposit growth, interest rates, and operating costs, management remains confident that their team and organization will continue to service their communities and other stakeholders for long term success.

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 2022

Historical avgQ3 2022

-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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