---
schema_version: "secwatch.filing_event.v1"
accession: "0001493225-25-000003"
form_type: "8-K"
ticker: "NFBK"
cik: "0001493225"
company_name: "Northfield Bancorp, Inc."
filed_at: "2025-01-23T23:59:59+00:00"
generated_at: "2026-05-27T13:55:26.086101+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Northfield Bancorp Q4 net income $11.3M ($0.27 EPS) vs $8.2M a year ago; NIM 2.18%

## Summary
- Q4 2024 diluted EPS $0.27, up from $0.19 in Q4 2023 and $0.16 in Q3 2024; includes $0.06 gain from branch sale.
- Full year 2024 net income $29.9M ($0.72) vs $37.7M ($0.86) in 2023; net interest income down 8.2% to $114.5M.
- Net interest margin improved to 2.18% in Q4 2024, up 10 bps from Q3 2024; cost of deposits decreased.
- Non-performing loans ratio improved to 0.51% from 0.75% at Sep 2024; deposits (ex-brokered) up 2.6% YoY.
- Declared $0.13 per share cash dividend, payable Feb 19, 2025; record date Feb 5, 2025.

## SEC filing metadata
- accession: 0001493225-25-000003
- form_type: 8-K
- ticker: NFBK
- cik: 0001493225
- company_name: Northfield Bancorp, Inc.
- filed_at: 2025-01-23T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1493225/000149322525000003/0001493225-25-000003-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1493225/000149322525000003/nfbk-20250122.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001493225-25-000003
- JSON: https://secwatch.observer/filing/0001493225-25-000003.json
- Plain text: https://secwatch.observer/filing/0001493225-25-000003.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.