---
schema_version: "secwatch.filing_event.v1"
accession: "0001493225-25-000053"
form_type: "8-K"
ticker: "NFBK"
cik: "0001493225"
company_name: "Northfield Bancorp, Inc."
filed_at: "2025-04-24T23:59:59+00:00"
generated_at: "2026-05-23T06:57:32.105984+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Northfield Bancorp Q1 EPS $0.19 vs $0.27 QoQ; NIM expands; $10M buyback approved

## Summary
- Q1 2025 net income $7.9M ($0.19 diluted EPS) vs $11.3M ($0.27) in Q4 2024 and $6.2M ($0.15) in Q1 2024.
- Net interest margin improved to 2.38% from 2.18% QoQ and 2.03% YoY, driven by lower funding costs and higher yields.
- Provision for credit losses on loans rose to $2.6M (from $415K YoY) due to $2.8M in net charge-offs on C&I loans.
- Board approved new $10M stock repurchase program; prior $5M plan completed. Dividend $0.13 payable May 21.
- Deposits ex-brokered grew $133.6M (13.8% annualized); loans declined $30.7M; NPL ratio 0.48% remains low.

## SEC filing metadata
- accession: 0001493225-25-000053
- form_type: 8-K
- ticker: NFBK
- cik: 0001493225
- company_name: Northfield Bancorp, Inc.
- filed_at: 2025-04-24T23:59:59+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/1493225/000149322525000053/0001493225-25-000053-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1493225/000149322525000053/nfbk-20250423.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001493225-25-000053
- JSON: https://secwatch.observer/filing/0001493225-25-000053.json
- Plain text: https://secwatch.observer/filing/0001493225-25-000053.txt

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