Northfield Bancorp, Inc. (NFBK)

Northfield Bancorp Cash Flow Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	4.76	0.8	29.95	37.67	61.12	70.65
Depreciation & Amortization	11.64	12.17	10.95	15.41	17.86	11.07
Provision for Credit Losses	5.07	7.4	4.28	1.35	4.48	-6.18
Stock-Based Compensation	4.8	4.99	4.25	4.37	4.13	3.64
Net Change in Loans Held-for-Sale	-	-	0.05	0.13	0.18	-
Other Adjustments	-9.06	31.27	-8.07	-2.54	-2.58	-5.54
Changes in Trading Assets	0.91	0.36	0.33	-0.08	0.5	0.53
Changes in Accrued Interest and Accounts Receivable	-0.44	-1.04	-0.59	-1.07	-2.92	0.12
Changes in Other Operating Activities	6.34	-2.25	-10.05	-8.27	0.56	-9.53
Operating Cash Flow	64.05	53.7	31.11	46.97	83.33	64.76
Operating Cash Flow Growth	76.48%	72.64%	-33.78%	-43.63%	28.68%	17.29%
Net Change in Loans Held-for-Investment	192.5	163.76	168.23	32.09	-438.24	46.1
Net Change in Securities and Investments	-122.83	-290.96	-289.36	165.32	158.92	39.51
Capital Expenditures	-1.08	-1.15	-1.15	-3.61	-2.55	-1.64
Sale of Property, Plant & Equipment	-	-	3.79	0.06	0.13	-
Other Investing Activities	-	-	-	-	1.53	1.02
Investing Cash Flow	59.47	-128.35	-118.49	193.87	-280.21	85
Net Change in Deposits	26.29	-122.67	260.04	-271.78	-19.12	92.78
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	93.03	233.81	-192.87	275.41	162.1	-170.03
Long-Term Debt Issued	-	-	-	-	60.88	-
Net Long-Term Debt Issued (Repaid)	-	-	-	-	60.88	-
Issuance of Common Stock	-	-	-	0.1	1.66	3.41
Repurchase of Common Stock	-10.57	-15.35	-18.68	-37.17	-30.88	-53.32
Net Common Stock Issued (Repurchased)	-10.57	-15.35	-18.68	-37.07	-29.22	-49.91
Common Dividends Paid	-21.05	-21.15	-21.83	-22.8	-24.13	-24.3
Other Financing Activities	-3.64	-3.78	-1.05	-0.89	1.09	5.23
Financing Cash Flow	14.43	70.86	25.62	-57.13	151.61	-146.23
Net Cash Flow	106.92	-3.79	-61.76	183.71	-45.27	3.52
Free Cash Flow	62.97	52.55	29.95	43.37	80.78	63.12
Free Cash Flow Growth	19.84%	75.45%	-30.93%	-46.32%	27.98%	21.03%
FCF Margin	21.18%	18.48%	12.40%	16.69%	25.23%	19.02%
Free Cash Flow Per Share	1.58	1.31	0.72	0.99	1.74	1.29
Levered Free Cash Flow	22.13	8.89	29.44	40.06	135.46	71.21
Unlevered Free Cash Flow	17.37	8.09	-0.51	2.39	13.45	0.55

Updated May 11, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q