NASDAQ$NFBK

Northfield Bancorp Inc · Q3 2024 earnings

Q3 2024 earnings · · Investor relations

Briefing

Reported an increase in net income and earnings per share, while managing capital, core deposits, loan relationships, asset quality, and operating expenses.

Northfield Bancorp reported a net income of $6.5 million, or $0.16 per diluted share, for the third quarter of 2024, compared to $8.2 million, or $0.19 per diluted share, for the third quarter of 2023. The company's net interest margin remained relatively stable at 2.08%.

  • Diluted earnings per share were $0.16 for the current quarter compared to $0.14 for the trailing quarter, and $0.19 for the third quarter of 2023.
  • Net interest margin remained relatively stable at 2.08% for the current quarter as compared to 2.09% for the trailing quarter.
  • Deposits (excluding brokered) decreased modestly by $5.1 million compared to June 30, 2024, and increased $15.0 million from December 31, 2023.
  • Loan balances declined by $27.2 million from June 30, 2024, with decreases in commercial, multifamily and residential real estate loans offset by increases in home equity, construction and land, and commercial and industrial loans.

Headline financials

Total Revenue

$31.8M

Previous: $31.8M-0.0%
EPS

$0.16

Previous: $0.19-15.8%
Net interest margin

2.1%

Previous: 2.3%-7.6%
NPL to total loans

0.8%

Previous: 0.2%+212.5%
Capital Expenditures

-$220K

Previous: -$514K+57.2%
Free Cash Flow

$6.52M

Previous: $8.18M-20.3%
Net Income

$6.52M

Previous: $8.18M-20.3%
Operating Income

-$8.54M

Previous: -$623K-1271.3%
Gross Profit

$31.8M

Previous: $31.8M-0.0%
Cash & Equivalents

$233M

Previous: $80.6M+189.1%
Total Assets

$5.73B

Previous: $5.44B+5.4%
Stock-Based Comp

$1.01M

Previous: $889K+14.1%

Revenue & EPS history

Northfield Bancorp · Revenue · Quarterly

$31.8M

Q3 2024-0%vs Q3 2023
Beat estimate in 9 of 13 quarters(69%)
ActualEstimate

Forward guidance

Decrease in short-term market interest rates late in the third quarter should provide increased economic activity in our marketplace and opportunities for our Company.

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 2024

Historical avgQ3 2024

-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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