NFBK 8-K SEC Filing Analysis

Latest settled — T+20d ⚠ clustered

NFBK ▲ +3.44% at T+20d

LONG call ✓ call won +3.44% · α vs SPY -1.47% · entry $13.50 → $13.96

Next anchor: T+60d in 5w

Currently $14.78 · +9.52% from $13.50 entry

Entry anchored
Apr 21, 01:52 PM ET
via Databento tick

T+1d

+1.15%

call +1.15% · α +0.13%

$13.65

settled 7w ago

T+5d

+4.93%

call +4.93% · α +3.84%

$14.16

settled 7w ago

T+20d

+3.44%

call +3.44% · α -1.47%

$13.96

settled 25d ago

T+60d

—

call — · α —

—

in 5w

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Executive Summary

Northfield Bancorp reported Q1 2026 earnings with $0.30 diluted EPS, a strong recovery from the prior quarter's $0.69 loss driven by the absence of a $41.0M goodwill impairment charge. Net interest income rose 16.3% YoY to $37.0M, net interest margin expanded 38 bps to 2.76%, and deposits (ex-brokered) grew $83.3M. The company also declared a $0.13 dividend and continues merger planning with Columbia Financial.

Actionable Insight

The strong rebound from Q4's impairment charge, combined with margin expansion and deposit growth, signals core banking strength. Monitor the merger with Columbia Financial for integration risks and cost synergies. The stable dividend and improving credit quality support confidence in the franchise.

Key Facts

Q1 2026 diluted EPS of $0.30, compared to a $0.69 loss in Q4 2025 and $0.19 in Q1 2025
Net interest income of $37.0M, up $5.2M (16.3%) YoY, driven by higher yields and lower funding costs
Net interest margin of 2.76%, up 38 bps YoY and 6 bps QoQ
Deposits (ex-brokered) increased $83.3M (2.1%) to $4.06B
Cost of deposits (ex-brokered) decreased to 1.74% from 1.75%
Non-performing loans to total loans rose to 0.56% from 0.42%
Declared $0.13 per share dividend, unchanged from prior quarter
Merger-related expenses of $1.7M incurred, related to pending merger with Columbia Financial

Financial Impact

Net income of $11.8M ($0.30 EPS) vs. $7.9M ($0.19 EPS) YoY, net interest income up $5.2M YoY

epsnetInterestIncomenetInterestMargindepositscostOfDeposits

Risk Factors

Merger with Columbia Financial may face regulatory or integration challenges
Loan balances declined $48.8M (1.3%), primarily in multifamily loans, indicating portfolio runoff
Non-performing loans ratio increased to 0.56% from 0.42%, and a $6.5M commercial mortgage loan was placed on non-accrual

Market Snapshot

Exchange

Nasdaq

Sector

Savings Institution, Federally Chartered

Documents Analyzed

This report is based on 6 SEC documents filed with EDGAR.

Document	Accession Number
8-K Filing (Primary)	0001493225-26-000047
Document: nfbk-20260420.htm	0001493225-26-000047
Document: 0001493225-26-000047-index-headers.html	0001493225-26-000047
Document: 0001493225-26-000047-index.html	0001493225-26-000047
Document: 0001493225-26-000047.txt	0001493225-26-000047
8-K Data (Synthetic)	0001493225-26-000047

3 reports for NFBK

T+1T+5T+20T+60

Track record builds as more directional reports settle.

Filters

Reports for NFBK — sortable, filterable
	Type				Now
Apr 21, 2026 7w ago	8-K BULLISH ★ 7/10	$13.50 $13.96	▲ +3.44%	▼ −1.47%	$14.78 (+9.52%)
Apr 20, 2026 7w ago	Press Release BULLISH ★ 7/10	$13.50 $13.96	▲ +3.44%	▼ −1.47%	$14.78 (+9.52%)
Mar 17, 2026 12w ago	Insider Cluster BULLISH ★ 6/10	$13.08 $14.04	▲ +7.35%	▲ +3.05%	$14.78 (+13.01%)

US Market Status

Market Closed — Opens Mon (48h 46m)

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