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Northfield Bancorp NFBK Effective Income Tax Rate Reconciliation, Tax Exempt Income, Life Insurance, Amount

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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:EffectiveIncomeTaxRateReconciliationTaxExemptIncomeLifeInsuranceAmount.

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 effective income tax rate reconciliation, tax exempt income, life insurance, amount?
Northfield Bancorp (NFBK) reported effective income tax rate reconciliation, tax exempt income, life insurance, amount of $371K in Q4 2025.
How has Northfield Bancorp's effective income tax rate reconciliation, tax exempt income, life insurance, amount changed year-over-year?
Northfield Bancorp's effective income tax rate reconciliation, tax exempt income, life insurance, amount increased by 67.7% year-over-year, from $221.25K to $371K.
What is the long-term trend for Northfield Bancorp's effective income tax rate reconciliation, tax exempt income, life insurance, amount?
Over 4 years (2021 to 2025), Northfield Bancorp's effective income tax rate reconciliation, tax exempt income, life insurance, amount has grown at a 14.5% compound annual growth rate (CAGR), from $862K to $1.48M.
What does effective income tax rate reconciliation, tax exempt income, life insurance, amount mean?
This represents the tax benefit derived from income generated by bank-owned life insurance policies that is exempt from federal income tax. It illustrates the contribution of tax-advantaged assets to the company's bottom line.