Company Net Interest Margin Increases to 2.55%
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Feb 02 2026
0mins
Should l Buy NFBK?
Net interest margin increased by 45 basis points to 2.55% for the year ended December 31, 2025 from 2.10% for the year ended December 31, 2024. Reports tangible book value per share $16.51. At December 31, 2025, the Company and the Bank's estimated CBLR ratios were 12.24% and 12.84%, respectively, which exceeded the minimum requirement to be considered well-capitalized of 9.0%. Steven Klein, CEO stated, "Excluding the impact of the goodwill impairment charge, our financial results for the fourth quarter were strong, and reflect our continued commitment to, and execution on, the fundamentals of community-based banking. Our strategic focus is on growing our non-multifamily loan portfolios and low-cost deposits which has increased our net interest margin while maintaining strong asset quality due to our prudent lending standards. I am pleased to announce that the Board of Directors has declared a cash dividend of $0.13 per share, payable February 25, 2026, to stockholders of record on February 12, 2026."
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Analyst Views on NFBK
Wall Street analysts forecast NFBK stock price to fall
1 Analyst Rating
0 Buy
1 Hold
0 Sell
Hold
Current: 13.410
Low
12.00
Averages
12.00
High
12.00
Current: 13.410
Low
12.00
Averages
12.00
High
12.00
About NFBK
Northfield Bancorp, Inc. is the holding company for Northfield Bank (the Bank). The Bank conducts business from its operations center located in Woodbridge, New Jersey, its home office located at a branch in Staten Island, New York, and its 36 additional branch offices located in Staten Island, Brooklyn, and the New Jersey counties of Hunterdon, Mercer, Middlesex, and Union. The Bank’s principal business consists of originating multifamily and commercial real estate loans, construction and land loans, commercial and industrial loans, and home equity loans and lines of credit. The Bank offers a variety of deposit accounts, including certificates of deposit, passbook, statement, money market savings and transaction deposit accounts, which are Northfield Bank’s primary source of funds for its lending and investing activities. The Bank also borrows funds, principally through Federal Home Loan Bank (FHLB) of New York (FHLBNY) advances and repurchase agreements with brokers.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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