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Northfield Bancorp NFBK Bad debt base year reserve

Bad debt base year reserve at other companies

Bank of Hawaii logo
Bank of HawaiiBOH
$18.2M
John B. Sanfilippo & Son logo
John B. Sanfilippo & SonJBSS
$0-100%
Terex logo
TerexTEX
$0
Cass Information Systems logo
Cass Information SystemsCASS
$0+100%
Employers Holdings logo
Employers HoldingsEIG
$3.48M-20.6%
ESN
Essent GroupESNT
$14.54M+104%

Other financials

Income statement

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Revenue$40.4M+16.0%
Net income$11.8M+50.4%
EPS (diluted)$0.30+57.9%

Balance sheet

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Cash & equivalents$239.6M+136%
Total debt$28.3M-10.4%
Total equity$694.7M-2.3%
Total assets$5.7B+0.4%

Cash flow

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Operating cash flow$19.8M+110%
CapEx$188.0K-27.1%
Free cash flow$19.6M+114%

Valuation

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Market cap$607.66M+26.6%
Enterprise value$396.41M-3.3%
P/E15.2×-6.8×
P/S3.8×+0.2×

Profitability

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Net margin26.4%+5.2pp
FCF margin39.4%+13.2pp

Returns & leverage

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Return on equity5.6%+1.7pp
Debt / equity0.0×

Where this comes from

Reported directly by Northfield Bancorp in its filing.

Tagged under the XBRL concept nfbk:AmountOfBadDebtsReservedForInCurrentYear.

The official record: Northfield Bancorp’s 10-K, filed March 2, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Northfield Bancorp's bad debt base year reserve?
Northfield Bancorp (NFBK) reported bad debt base year reserve of $1.48M in Q4 2025.
How has Northfield Bancorp's bad debt base year reserve changed year-over-year?
Northfield Bancorp's bad debt base year reserve decreased by 0.0% year-over-year, from $1.48M to $1.48M.
What is the long-term trend for Northfield Bancorp's bad debt base year reserve?
Over 4 years (2021 to 2025), Northfield Bancorp's bad debt base year reserve has grown at a 0.0% compound annual growth rate (CAGR), from $5.9M to $5.9M.
What does bad debt base year reserve mean?
Represents the base year reserve amount established for potential bad debts or uncollectible accounts. This serves as a foundational metric for assessing the company's historical approach to credit risk management and loss provisioning.