NFBK Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Interest Income	274.73	228.97	249.33	316.61	311.3
Net Interest Income Growth	19.99%	-8.17%	-21.25%	1.71%	19.91%
Non-Interest Income	16.95	16.82	11.9	7.98	14.45
Non-Interest Income Growth	0.76%	41.41%	49.02%	-44.77%	25.99%
Revenues Before Loan Losses	291.68	245.79	261.23	324.6	325.75
Provision for Credit Losses	7.4	4.28	1.35	4.48	-6.18
Revenue	284.28	241.51	259.88	320.11	331.94
Revenue Growth (YoY)	17.71%	-7.07%	-18.82%	-3.56%	28.48%
Compensation Expenses	51.37	49.34	46.5	41.96	43.68
Selling, General & Admin	28.95	27.69	28.84	28.39	28.43
Other Non-Interest Expenses	49.54	9.49	8.11	6.6	7.05
Total Non-Interest Expense	129.86	86.53	83.45	76.95	79.16
Pretax Income	17.05	40.5	51.76	84.86	97.13
Provision for Income Taxes	16.26	10.56	14.09	23.74	26.47
Net Income	0.8	29.95	37.67	61.12	70.65
Net Income to Common	0.8	29.95	37.67	61.12	70.65
Net Income Growth	-97.34%	-20.51%	-38.37%	-13.49%	91.02%
Shares Outstanding (Basic)	40	42	44	46	48
Shares Outstanding (Diluted)	40	42	44	46	49
Shares Change (YoY)	-3.50%	-4.61%	-6.03%	-4.75%	-0.07%
EPS (Basic)	0.02	0.72	0.86	1.32	1.46
EPS (Diluted)	0.02	0.72	0.86	1.32	1.45
EPS Growth	-97.22%	-16.28%	-34.85%	-8.97%	90.79%
Free Cash Flow	52.55	29.95	43.37	80.78	63.12
Free Cash Flow Growth	75.45%	-30.93%	-46.32%	27.98%	21.03%
Free Cash Flow Per Share	1.31	0.72	0.99	1.74	1.29
Dividends Per Share	0.520	0.520	0.520	0.520	0.520
Dividend Growth	-	-	-	-	18.18%
Profit Margin	0.28%	12.40%	14.49%	19.09%	21.29%
FCF Margin	18.48%	12.40%	16.69%	25.23%	19.02%
EBITDA	12.17	10.95	15.41	17.86	11.07
EBITDA Margin	4.28%	4.54%	5.93%	5.58%	3.34%
Effective Tax Rate	95.33%	26.06%	27.22%	27.98%	27.26%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q