Demonstrações financeiras detalhadas de Northfield Bancorp, Inc. (NFBK): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
Northfield Bancorp, Inc. registou receitas de $184.2M no último exercício, com um CAGR de 5 anos de 0.5%. O lucro líquido atingiu $796000, com CAGR de 5 anos de -53.6%.
Margens dos últimos 12 meses: margem bruta 57.2%, margem operacional 7.4%, margem líquida 1.8%. O fluxo de caixa livre cresceu a CAGR de 0.2% em 5 anos.
Ao preço atual de $15.31, NFBK negocia a um P/L de 127.58 e um ROE de 0.12%. A capitalização de mercado é de $639M.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $135.0M | $144.5M | $155.4M | $180.0M | $179.6M | $186.8M | $187.7M | $220.7M | $251.3M | $184.2M |
| Custo da Receita | $22.3M | $25.4M | $38.7M | $53.4M | $51.1M | $10.8M | $24.8M | $84.9M | $128.0M | $119.1M |
| Lucro Bruto | $112.7M | $119.1M | $116.8M | $126.6M | $128.5M | $176.0M | $162.9M | $135.8M | $123.3M | $65.1M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $43.2M | $41.2M | $38.6M | $43.6M | $44.4M | $47.4M | $45.5M | $51.0M | $53.4M | $5.0M |
| Despesas Operacionais | $72.9M | $67.4M | $67.0M | $73.5M | $78.5M | $78.9M | $78.0M | $84.0M | $82.8M | $48.1M |
| Lucro Operacional | $39.8M | $51.7M | $49.7M | $53.0M | $50.0M | $97.1M | $84.9M | $51.8M | $40.5M | $17.1M |
| EBITDA | $43.8M | $55.4M | $53.1M | $61.9M | $58.7M | $105.6M | $93.3M | $60.3M | $48.8M | $25.0M |
| Despesas com Juros | $21.7M | $24.0M | $36.0M | $53.4M | $38.3M | $16.6M | $21.4M | $84.1M | $123.4M | $111.7M |
| Lucro Antes de Impostos | $39.8M | $51.7M | $49.7M | $53.0M | $50.0M | $97.1M | $84.9M | $51.8M | $40.5M | $17.1M |
| Imposto | $13.7M | $27.0M | $9.6M | $12.8M | $13.0M | $26.5M | $23.7M | $14.1M | $10.6M | $16.3M |
| Lucro Líquido | $26.1M | $24.8M | $40.1M | $40.2M | $37.0M | $70.7M | $61.1M | $37.7M | $29.9M | $796000 |
| LPA | $0.59 | $0.55 | $0.87 | $0.86 | $0.76 | $1.46 | $1.32 | $0.86 | $0.72 | $0.02 |
| LPA Diluído | $0.57 | $0.53 | $0.85 | $0.85 | $0.76 | $1.45 | $1.32 | $0.86 | $0.72 | $0.02 |
| Ações em Circulação (Diluídas) | $45.7M | $46.9M | $47.1M | $47.2M | $48.8M | $48.8M | $46.4M | $43.6M | $41.6M | $40.2M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q2 | 2025-Q3 | 2025-Q4 | 2026-Q1 |
|---|
| Receita | $67.0M | $67.7M | $68.3M | $62.9M |
| Lucro Bruto | $36.9M | $38.1M | $40.1M | $37.0M |
| Lucro Operacional | $13.9M | $14.8M | -$22.4M | $13.5M |
| EBITDA | $15.9M | $16.8M | -$20.5M | $15.4M |
| Lucro Líquido | $9.6M | $10.8M | -$27.4M | $11.8M |
| LPA | $0.24 | $0.27 | $-0.69 | $0.30 |
| LPA Diluído | $0.24 | $0.27 | $-0.69 | $0.30 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $96.1M | $57.8M | $77.8M | $147.8M | $87.5M | $91.1M | $45.8M | $229.5M | $167.7M | $164.0M |
| Investimentos de Curto Prazo | $498.9M | $513.8M | $808.0M | $1.14B | $1.26B | $1.21B | $952.2M | $795.5M | $1.10B | $741.3M |
| Contas a Receber | $9.7M | $10.7M | $13.0M | $14.6M | $14.7M | $14.6M | $17.4M | $18.5M | $19.1M | $20.1M |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $604.7M | $582.3M | $898.8M | $1.30B | $1.37B | $1.31B | $1.02B | $1.04B | $1.29B | $925.4M |
| Imobilizado | $26.9M | $25.7M | $25.6M | $65.2M | $64.9M | $59.9M | $59.1M | $55.0M | $49.8M | $45.7M |
| Ágio | $38.4M | $38.4M | $38.4M | $38.4M | $41.3M | $41.0M | $41.0M | $41.0M | $41.0M | 0 |
| Ativos Intangíveis | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Totais | $3.85B | $3.99B | $4.41B | $5.06B | $5.51B | $5.43B | $5.60B | $5.60B | $5.67B | $5.75B |
| Contas a Pagar | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dívida de Curto Prazo | $8.0M | $2.0M | 0 | $75.0M | $75.0M | $50.0M | $25.0M | $25.0M | 0 | 0 |
| Passivos Circulantes | $2.75B | $2.87B | $3.32B | $3.51B | $4.18B | $4.25B | $4.21B | $3.90B | $4.14B | $4.02B |
| Dívida de Longo Prazo | $464.7M | $469.2M | $408.8M | $782.0M | $516.8M | $371.8M | $619.9M | $801.0M | $727.8M | $961.9M |
| Passivos Totais | $3.23B | $3.35B | $3.74B | $4.36B | $4.76B | $4.69B | $4.90B | $4.90B | $4.96B | $5.06B |
| Reservas | $268.2M | $281.1M | $302.5M | $322.6M | $338.1M | $381.4M | $418.4M | $433.2M | $440.8M | $420.4M |
| Patrimônio Líquido | $621.2M | $638.9M | $666.4M | $695.9M | $754.0M | $739.9M | $701.4M | $699.4M | $704.7M | $690.1M |
| Dívida Total | $473.2M | $471.5M | $408.9M | $901.1M | $634.5M | $461.6M | $684.6M | $861.2M | $760.1M | $991.5M |
| Dívida Líquida | -$121.8M | -$100.1M | -$476.9M | -$385.1M | -$717.8M | -$837.7M | -$313.3M | -$163.8M | -$508.5M | $86.2M |
| Capital de Giro | -$2.15B | -$2.29B | -$2.42B | -$2.21B | -$2.81B | -$2.94B | -$3.20B | -$2.86B | -$2.85B | -$3.09B |
Balanço (Trimestral)
| Ano | 2025-Q2 | 2025-Q3 | 2025-Q4 | 2026-Q1 |
|---|
| Caixa e Equivalentes | $97.6M | $131.7M | $164.0M | $11.6M |
| Ativos Totais | $5.68B | $5.73B | $5.75B | $5.74B |
| Passivos Totais | $4.97B | $5.01B | $5.06B | $5.04B |
| Patrimônio Líquido | $710.3M | $719.6M | $690.1M | $694.7M |
| Dívida Total | $923.8M | $970.6M | $991.5M | $892.3M |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $26.1M | $24.8M | $40.1M | $40.2M | $37.0M | $70.7M | $61.1M | $37.7M | $29.9M | $796000 |
| Depreciação e Amortização | $4.0M | $3.6M | $3.3M | $8.9M | $8.4M | $8.5M | $8.4M | $8.5M | $8.3M | $8.0M |
| Compensação em Ações | $9.6M | $8.7M | $7.8M | $5.6M | $3.2M | $3.6M | $4.1M | $4.4M | $4.2M | $5.0M |
| Variação Capital de Giro | $565000 | $9.9M | -$207000 | $1.9M | -$1.6M | -$6.3M | -$3.0M | -$6.4M | -$9.4M | -$4.3M |
| Fluxo de Caixa Operacional | $37.7M | $43.6M | $52.8M | $51.2M | $55.2M | $64.8M | $83.3M | $47.0M | $31.1M | $53.7M |
| CapEx | -$932000 | -$2.1M | -$2.9M | -$3.6M | -$3.1M | -$1.6M | -$2.6M | -$3.6M | -$1.2M | -$1.1M |
| Aquisições | $55.5M | 0 | 0 | 0 | $72.9M | 0 | 0 | 0 | 0 | 0 |
| Recompra de Ações | -$2.2M | 0 | -$5000 | -$15.8M | -$10.4M | -$53.3M | -$30.9M | -$37.2M | -$18.7M | -$15.4M |
| Dividendos Pagos | -$14.1M | -$15.6M | -$18.7M | -$20.2M | -$21.5M | -$24.3M | -$24.1M | -$22.8M | -$21.8M | -$21.2M |
| Fluxo de Caixa Livre | $36.8M | $41.6M | $49.9M | $47.5M | $52.2M | $63.1M | $80.8M | $43.4M | $30.0M | $52.5M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q2 | 2025-Q3 | 2025-Q4 | 2026-Q1 |
|---|
| Fluxo de Caixa Operacional | $14.1M | $13.9M | $16.2M | $19.8M |
| CapEx | -$220000 | -$327000 | -$345000 | -$188000 |
| Fluxo de Caixa Livre | $13.9M | $13.6M | $15.9M | $19.6M |
| Dividendos Pagos | -$5.3M | -$5.3M | -$5.2M | -$5.3M |
| Compensação em Ações | $1.1M | $1.1M | $1.8M | $867000 |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +7.0% | +7.5% | +15.8% | -0.2% | +4.0% | +0.5% | +17.6% | +13.9% | -26.7% |
| Crescimento Lucro Líquido (anual) | | -5.2% | +61.8% | +0.4% | -8.1% | +91.0% | -13.5% | -38.4% | -20.5% | -97.3% |
| Crescimento LPA (anual) | | -6.8% | +58.2% | -1.1% | -11.6% | +92.1% | -9.6% | -34.8% | -16.3% | -97.2% |
| Variação de Ações (anual) | | +2.5% | +0.5% | +0.1% | +3.4% | -0.1% | -4.8% | -6.0% | -4.6% | -3.5% |
| Crescimento FCF (anual) | | +13.0% | +20.1% | -4.8% | +9.7% | +21.0% | +28.0% | -46.3% | -30.9% | +75.4% |
| Margem Bruta | 83.5% | 82.4% | 75.1% | 70.3% | 71.6% | 94.2% | 86.8% | 61.5% | 49.1% | 35.3% |
| Margem Operacional | 29.5% | 35.8% | 32.0% | 29.5% | 27.9% | 52.0% | 45.2% | 23.5% | 16.1% | 9.3% |
| Margem EBITDA | 32.5% | 38.3% | 34.1% | 34.4% | 32.7% | 56.6% | 49.7% | 27.3% | 19.4% | 13.6% |
| Margem Líquida | 19.3% | 17.1% | 25.8% | 22.4% | 20.6% | 37.8% | 32.6% | 17.1% | 11.9% | 0.4% |
| Margem FCF | 27.2% | 28.8% | 32.1% | 26.4% | 29.0% | 33.8% | 43.0% | 19.6% | 11.9% | 28.5% |
| Taxa Efetiva de Imposto | 34.3% | 52.1% | 19.4% | 24.1% | 26.1% | 27.3% | 28.0% | 27.2% | 26.1% | 95.3% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $0.80 | $0.89 | $1.06 | $1.01 | $1.07 | $1.29 | $1.74 | $0.99 | $0.72 | $1.31 |
| Dividendo por Ação | $0.31 | $0.33 | $0.40 | $0.43 | $0.44 | $0.50 | $0.52 | $0.52 | $0.52 | $0.53 |
| Ações em Circulação (Básicas) | $44.4M | $45.3M | $46.3M | $46.8M | $48.7M | $48.4M | $46.2M | $43.6M | $41.6M | $40.1M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | 0.12% |
| Retorno sobre capital investido | 0.05% |
| Retorno sobre ativos | 0.01% |
| Margem bruta | 57.17% |
| Margem operacional | 7.41% |
| Margem líquida | 1.79% |
Saúde financeira
| Dívida / Patrimônio | 1.28 |
| Liquidez corrente | 7.13 |
| Piotroski F-Score | 4 |
| Altman Z-Score | -0.45 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 33.85 | 31.05 | 15.57 | 19.72 | 16.22 | 11.07 | 11.92 | 14.63 | 16.14 | 577.27 |
| P/VP | 1.43 | 1.21 | 0.94 | 1.14 | 0.80 | 1.06 | 1.04 | 0.78 | 0.69 | 0.66 |
| P/V | 6.56 | 5.36 | 4.04 | 4.41 | 3.34 | 4.19 | 3.88 | 2.48 | 1.92 | 2.49 |
| Margem Bruta | 83.5% | 82.4% | 75.1% | 70.3% | 71.6% | 94.2% | 86.8% | 61.5% | 49.1% | 35.3% |
| Margem Operacional | 29.5% | 35.8% | 32.0% | 29.5% | 27.9% | 52.0% | 45.2% | 23.5% | 16.1% | 9.3% |
| Margem Líquida | 19.3% | 17.1% | 25.8% | 22.4% | 20.6% | 37.8% | 32.6% | 17.1% | 11.9% | 0.4% |