Northfield Bancorp, Inc. Financial Ratios — NFBK Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	7.32	6.59	7.77	8.23	7.72	9.94	9	13.7	12.85	11.18	19.61	15.26	8.83	6.84	0.18
Return on Assets (%)	0.73	0.62	0.69	0.71	0.63	0.74	0.63	0.95	0.85	0.7	1.29	1.11	0.67	0.53	0.01
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	3.29	4.13	4.75	4.78	4	3.56	3	2.8	7.03	6.15	4.99	5.08	6.25	6.32	5.19
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	31.57	32.2	34.88	37.88	35.02	35.1	42.93	41.64	41.88	35.41	57.1	51.03	37.9	30.84	11.05
Profit Margin (%)	22.77	20.69	22.35	23.9	21.71	23.05	20.55	33.58	31.78	26.18	41.54	36.75	27.58	22.81	0.52
Net Income to Common Margin (%)	22.77	20.69	22.35	23.9	21.71	23.05	20.55	33.58	31.78	26.18	41.54	36.75	27.58	22.81	0.52
Effective Tax Rate (%)	27.86	35.74	35.93	36.91	38.01	34.34	52.14	19.38	24.12	26.06	27.26	27.98	27.22	26.06	95.33
Dvd Payout Ratio (%)	22	10.74	140.28	63.57	62.38	53.86	63.17	46.59	50.2	58.06	34.39	39.48	60.51	72.89	2,657.29
Sustainable Growth Rate (%)	5.71	5.88	-3.13	3	2.9	4.59	3.31	7.32	6.4	4.69	12.86	9.24	3.49	1.86	-4.72

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	206	193	289	575	495	465	470	409	826	560	412	660	836	760	992
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	206	193	289	575	495	465	470	409	826	560	412	660	836	760	992
Total Debt/EBITDA	84.75	60.41	71.02	141.88	137.73	115.21	129.89	122.2	92.79	64.36	48.52	78.11	98	91.62	123.75
Net Debt/EBITDA	57.18	19.67	55.7	122.74	123.1	91.28	113.81	98.95	71.23	49.38	33.08	67.98	66.97	67.51	99.59
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.94	8.9	8.98	8.26	8.02	6.98	7.06	6.88	6.39	6.14	7.03	7.48	7.75	7.79	7.32
Long-Term Debt/Equity (%)	53.82	46.55	40.4	96.89	88.45	74.89	73.5	61.35	118.71	74.21	55.63	94.05	119.55	107.86	143.69
Long-Term Debt/Capital (%)	46.57	43.55	54.38	69.76	65.85	63.38	62.5	57.42	71.88	62.29	51.86	61.15	65.84	63.26	70.19
Long-Term Debt/Total Assets (%)	8.66	6.86	10.7	19.05	15.46	12.08	11.76	9.28	16.34	10.15	7.58	11.78	14.94	13.41	17.23
Total Debt/Equity (%)	53.82	46.55	40.4	96.89	88.45	74.89	73.5	61.35	118.71	74.21	55.63	94.05	119.55	107.86	143.69
Total Debt/Capital (%)	46.57	43.55	54.38	69.76	65.85	63.38	62.5	57.42	71.88	62.29	51.86	61.15	65.84	63.26	70.19
Total Debt/Total Assets (%)	8.66	6.86	10.7	19.05	15.46	12.08	11.76	9.28	16.34	10.15	7.58	11.78	14.94	13.41	17.23
Net Debt to Equity	36.31	15.16	31.69	83.82	79.06	59.34	64.4	49.68	91.14	56.93	37.94	81.85	81.71	79.48	115.63
Net Debt/Capital (%)	36.87	19.98	48.19	66.54	63.22	57.78	59.33	52.2	63.33	52.95	39.95	55.58	54.92	54.18	63.9
EBITDA	2	3	4	4	4	4	4	3	9	9	8	8	9	8	8
EBITDA-CapEx	-4	-5	1	3	3	3	2	- -	5	6	7	6	5	7	7
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.94	8.9	8.98	8.26	8.02	6.98	7.06	6.88	6.39	6.14	7.03	7.48	7.75	7.79	7.32
Long-Term Debt/Equity (%)	53.82	46.55	40.4	96.89	88.45	74.89	73.5	61.35	118.71	74.21	55.63	94.05	119.55	107.86	143.69
Long-Term Debt/Capital (%)	46.57	43.55	54.38	69.76	65.85	63.38	62.5	57.42	71.88	62.29	51.86	61.15	65.84	63.26	70.19
Long-Term Debt/Total Assets (%)	8.66	6.86	10.7	19.05	15.46	12.08	11.76	9.28	16.34	10.15	7.58	11.78	14.94	13.41	17.23
Total Debt/Equity (%)	53.82	46.55	40.4	96.89	88.45	74.89	73.5	61.35	118.71	74.21	55.63	94.05	119.55	107.86	143.69
Total Debt/Capital (%)	46.57	43.55	54.38	69.76	65.85	63.38	62.5	57.42	71.88	62.29	51.86	61.15	65.84	63.26	70.19
Total Debt/Total Assets (%)	8.66	6.86	10.7	19.05	15.46	12.08	11.76	9.28	16.34	10.15	7.58	11.78	14.94	13.41	17.23
CFO/Total Liabilities	1.38	1.17	1.51	1.06	1.22	1.17	1.3	1.41	1.17	1.16	1.38	1.7	0.96	0.63	1.06
CFO/CapEx	4.51	3.48	10.29	31.78	40.29	40.45	21.13	18.34	14.12	18.05	39.54	32.65	13.03	26.95	46.69
Altman's Z-Score	0.29	0.3	0.38	0.32	0.29	0.29	0.27	0.22	0.22	0.19	0.23	0.22	0.2	0.19	0.18

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	8.96	9.24	10.52	10.5	11.05	12.61	11.8	10.09	9.18	9.64	11.63	10.39	7.6	6.99	7.87
Days Sales Outstanding	40.72	39.49	34.7	34.76	33.02	28.94	30.93	36.19	39.74	37.85	31.39	35.12	48	52.22	46.35
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	404	591	721	725	673	886	774	628	793	601	782	727	548	483	459
- Cash & Cash Equivalents	65	129	61	77	52	96	58	78	148	88	91	46	230	168	164
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	206	193	289	575	495	465	470	409	826	560	412	660	836	760	992
Enterprise Value	-554	-621	12	453	575	756	672	151	333	-192	-105	389	359	395	560
Total Capital	442	443	532	825	752	734	751	712	1,149	898	794	1,079	1,270	1,201	1,413
Total Debt/Capital (%)	46.57	43.55	54.38	69.76	65.85	63.38	62.5	57.42	71.88	62.29	51.86	61.15	65.84	63.26	70.19
Total Debt / EV	-0.37	-0.31	23.68	1.27	0.86	0.62	0.7	2.71	2.48	-2.91	-3.91	1.7	2.33	1.92	1.77
EV/Sales	- -	- -	0.14	5.34	6.39	6.67	5.58	1.26	2.63	- -	- -	2.34	2.63	3.01	3.63
EV/EBITDA	- -	- -	3	111.64	159.91	187.32	185.92	45.05	37.44	- -	- -	46.06	42.1	47.6	69.89
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	0.41	17.61	17.79	20.06	15.41	2.86	6.52	- -	- -	4.67	7.65	12.7	10.43
EV/Free Cash Flow to Firm	- -	- -	0.37	17.07	17.36	19.58	14.71	2.71	6.09	- -	- -	4.53	7.1	12.24	10.21
Diluted Market Cap	409	599	733	740	692	913	801	638	800	602	788	730	549	484	459
Diluted Enterprise Value	550	663	961	1,239	1,135	1,282	1,212	969	1,478	1,074	1,108	1,344	1,156	1,076	1,287
EV per Share	- -	- -	0.22	9.24	13.59	17.05	14.83	3.25	7.13	- -	- -	8.41	8.25	9.5	13.96
TTM Sales	74	77	86	85	90	113	121	119	127	141	170	166	137	131	154
TTM EBITDA	2	3	4	4	4	4	4	3	9	9	8	8	9	8	8
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	27	28	30	26	32	38	44	53	51	55	65	83	47	31	54
TTM Free Cash Flow to Firm	34	36	33	27	33	39	46	56	55	58	66	86	51	32	55

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	12.19	16.64	22.28	27.92	20.9	23.63	17.52	11.47	14.6	10.32	11.87	8.51	10.85	15	8.37
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-554	-621	12	453	575	756	672	151	333	-192	-105	389	359	395	560
Low Price	8.33	9.24	10.73	12.27	14.06	14.31	15.36	12.76	13.35	8.72	11.98	11.87	8.39	6.98	9.4
EV/Sales	- -	- -	0.14	5.34	6.39	6.67	5.58	1.26	2.63	- -	- -	2.34	2.63	3.01	3.63
EV/EBITDA	- -	- -	3	111.64	159.91	187.32	185.92	45.05	37.44	- -	- -	46.06	42.1	47.6	69.89
Price/Earnings	24.03	36.85	37.67	35.79	34.47	33.91	31.26	15.66	19.72	16.24	11.07	11.9	14.55	16.13	576.05
Price/Earnings Average	23	35.49	34.01	32.01	32.59	27.43	31.81	18.16	17.98	15.29	11.02	11.11	13.28	15.15	569.03
Price/Earnings High	24.82	39.83	38.32	36.63	35.51	34.97	37.26	20.14	20.41	22.45	12.62	13.14	18.53	19.98	629.98
Price/Earnings Low	19.84	31.32	30.62	29.67	30.44	24.3	28.11	14.75	15.52	11.49	8.21	8.98	9.7	9.69	473.74
Price/Book Value	1.71	2.36	2.97	2.91	2.62	3.3	2.75	2.07	2.46	1.77	2.05	1.74	1.26	1.09	1.09
Price/Book Value Average	1.64	2.27	2.68	2.6	2.48	2.67	2.8	2.4	2.24	1.67	2.04	1.62	1.15	1.03	1.08
Price/Book Value High	1.77	2.55	3.02	2.98	2.7	3.4	3.28	2.66	2.54	2.45	2.33	1.92	1.61	1.36	1.19
Price/Book Value Low	1.41	2.01	2.41	2.41	2.32	2.36	2.47	1.95	1.93	1.25	1.52	1.31	0.84	0.66	0.9
Price/Tangible Book Value	1.1	1.48	1.03	1.26	1.24	1.52	1.29	1	1.21	0.84	1.12	1.1	0.83	0.73	0.66
Price/Tangible Book Value Average	1.06	1.43	0.93	1.12	1.17	1.23	1.31	1.16	1.1	0.79	1.11	1.03	0.76	0.68	0.66
Price/Tangible Book Value High	1.14	1.6	1.05	1.29	1.28	1.57	1.54	1.29	1.25	1.16	1.28	1.22	1.06	0.9	0.73
Price/Tangible Book Value Low	0.91	1.26	0.84	1.04	1.09	1.09	1.16	0.94	0.95	0.6	0.83	0.83	0.56	0.44	0.55
Price/Sales	5.47	7.62	8.42	8.55	7.48	7.82	6.42	5.26	6.27	4.25	4.6	4.37	4.01	3.68	2.97
Price/Sales Average	5.24	7.34	7.6	7.65	7.08	6.32	6.54	6.1	5.71	4	4.58	4.08	3.66	3.46	2.94
Price/Sales High	5.65	8.24	8.56	8.75	7.71	8.06	7.66	6.76	6.49	5.88	5.24	4.83	5.11	4.56	3.25
Price/Sales Low	4.52	6.48	6.84	7.09	6.61	5.6	5.78	4.95	4.93	3.01	3.41	3.3	2.68	2.21	2.44
Price/Cash Flow	14.72	21.11	24.03	28.21	20.83	23.5	17.75	11.89	15.51	10.88	12.08	8.73	11.67	15.53	8.54
Price/Cash Flow Average	14.09	20.34	21.7	25.23	19.7	19.01	18.06	13.79	14.14	10.24	12.03	8.15	10.65	14.59	8.44
Price/Cash Flow High	15.2	22.82	24.45	28.88	21.46	24.23	21.15	15.29	16.05	15.04	13.76	9.64	14.86	19.23	9.34
Price/Cash Flow Low	12.15	17.95	19.54	23.39	18.4	16.84	15.96	11.2	12.21	7.69	8.96	6.59	7.78	9.33	7.02
Price/Free Cash Flow Average	11.67	16.03	20.11	24.98	19.77	19.12	17.83	13.3	13.31	9.72	11.81	7.94	9.91	14.09	8.27
Price/Free Cash Flow High	12.59	17.98	22.66	28.58	21.53	24.37	20.89	14.75	15.11	14.27	13.52	9.39	13.82	18.57	9.16
Price/Free Cash Flow Low	10.07	14.14	18.11	23.15	18.46	16.93	15.76	10.8	11.49	7.3	8.8	6.42	7.24	9.01	6.89
EV/Sales Average	7.14	8.17	10.26	13.53	12	9.58	9.95	8.87	11.07	7.34	6.46	7.77	8.11	7.97	8.3
EV/Sales High	7.56	9.07	11.23	14.64	12.64	11.31	11.07	9.54	11.84	9.22	7.12	8.52	9.55	9.07	8.61
EV/Sales Low	6.42	7.31	9.5	12.97	11.54	8.86	9.19	7.73	10.29	6.35	5.29	6.99	7.12	6.72	7.81
EV/EBITDA Average	217.11	198.11	215.81	282.92	300.37	268.92	331.84	316.49	157.43	119.34	129.59	153.06	129.74	126.1	159.83
EV/EBITDA High	229.71	219.85	236.1	306.01	316.21	317.68	369.17	340.25	168.4	149.8	142.84	167.78	152.88	143.5	165.88
EV/EBITDA Low	195.24	177.18	199.89	271.22	288.68	248.67	306.48	275.6	146.33	103.17	106.15	137.67	113.93	106.37	150.36
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	10.09	10.87	13.2	14.8	15.92	19.97	17.08	13.55	16.96	12.33	16.16	15.73	12.58	11.62	11.43
High Price	10.42	11.75	13.43	15.15	16.4	20.59	20.36	17.43	17.55	17.04	18.41	17.37	16.02	14.39	12.5
Enterprise Value Average	528	633	879	1,148	1,080	1,086	1,200	1,059	1,402	1,037	1,099	1,293	1,107	1,046	1,281
Enterprise Value High	558	703	962	1,241	1,137	1,283	1,335	1,138	1,499	1,302	1,212	1,417	1,305	1,190	1,329
Enterprise Value Low	474	566	814	1,100	1,038	1,004	1,108	922	1,303	897	901	1,163	972	882	1,205

Shares Outstanding	41	41	58	48	46	49	49	50	49	52	49	47	45	43	42
Diluted Weighted Avg Shares	41	55	56	50	43	46	47	47	47	49	49	46	44	42	40
Basic Weighted Avg Shares	40	54	55	49	42	44	45	46	47	49	48	46	44	42	40
Revenue per Share	1.84	1.43	1.57	1.73	2.13	2.55	2.66	2.58	2.71	2.9	3.51	3.6	3.13	3.16	3.85
EBITDA per Share	0.06	0.06	0.07	0.08	0.09	0.09	0.08	0.07	0.19	0.18	0.18	0.18	0.2	0.2	0.2
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.42	0.3	0.35	0.41	0.46	0.59	0.55	0.87	0.86	0.76	1.46	1.32	0.86	0.72	0.02
Basic EPS from Cont Ops	0.42	0.3	0.35	0.41	0.46	0.59	0.55	0.87	0.86	0.76	1.46	1.32	0.86	0.72	0.02
Diluted EPS, GAAP	0.42	0.29	0.34	0.41	0.45	0.57	0.53	0.85	0.85	0.76	1.45	1.32	0.86	0.72	0.02
Diluted EPS from Cont Ops	0.42	0.29	0.34	0.41	0.45	0.57	0.53	0.85	0.85	0.76	1.45	1.32	0.86	0.72	0.02
Dividend per Share	0.09	0.03	0.49	0.26	0.29	0.32	0.35	0.4	0.43	0.44	0.5	0.52	0.52	0.53	0.53
Cash Flow per Share	0.69	0.51	0.55	0.52	0.76	0.85	0.96	1.14	1.09	1.13	1.34	1.8	1.08	0.75	1.34
Free Cash Flow per Basic Share	0.53	0.37	0.5	0.51	0.75	0.83	0.92	1.08	1.02	1.07	1.3	1.75	1	0.72	1.31
Cash & Equivalents per Share	29.05	25.84	18.27	17.3	14.03	13.41	12.61	19.12	27.49	27.76	26.84	21.59	23.53	20.4	22.19
Book Value per Share	5.9	4.61	4.44	5.09	6.07	6.06	6.22	6.54	6.91	6.95	7.89	9.06	9.96	10.62	10.5
Tangible Book Value per Share	9.15	7.34	12.81	11.79	12.86	13.13	13.25	13.56	14.05	14.63	14.43	14.28	15.12	15.97	17.2

Northfield Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)