Northfield Bancorp, Inc. — Earnings Quality Grade F
NFBK · Financial Services
Major red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 48 days, change -5 days YoY
AR growth 5.5% vs revenue growth 17.5%
Revenue 17.5%, CFFO 72.6%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth -0.3% vs revenue 17.5%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO far exceeds NI (ratio 67.5x). Non-cash charges depressing profits
FCF $0.1B, FCF/NI = 66.02
Accruals ratio = -0.9%. Low accruals
Cash $0.2B covers only 17% of debt $1.0B
Balance Sheet Health
No goodwill. Clean balance sheet
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -100% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
Monitor NFBK continuously
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Altman Z-Score — Not Applicable
Northfield Bancorp, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25