For the year ending 2025-12-31, NFBK had -$3,793K decrease in cash & cash equivalents over the period. $52,548K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Other revenues - non-interest income | 16,950 |
| Interest income | 249,096 |
| Total consolidated revenues | 266,046 |
| Interest expense | 111,730 |
| Segment net interest income and non-interest income | 154,316 |
| Compensation and employee benefits | 51,370 |
| Provision for credit losses | 7,402 |
| Other segment items | 78,493 |
| Income tax expense | 16,255 |
| Segment expenses | 153,520 |
| Net income | 796 |
| Provision for credit losses | 7,402 |
| Goodwill impairment | 41,012 |
| Esop and stock compensation expense | 4,994 |
| Depreciation | 3,197 |
| Amortization of premiums and deferred loan costs, net of accretion of discounts and deferred loan fees | 3,934 |
| Amortization of debt issuance costs | 223 |
| Amortization of intangible assets | 47 |
| Amortization of operating lease right-of-use assets | 4,768 |
| Income on bank-owned life insurance | 7,069 |
| (gain) loss on sale of premises and equipment and other real estate owned, net | 0 |
| Net gain on sale of loans held-for-sale | 0 |
| Proceeds from loans held-for-sale | 0 |
| Origination of loans held-for-sale | 0 |
| Losses on available-for-sale debt securities, net | 0 |
| Gains on trading securities, net | 1,694 |
| Net sales (purchases) of trading securities | -363 |
| Increase in accrued interest receivable | 1,040 |
| Decrease (increase) in other assets | -502 |
| Deferred tax (benefit) provision | 984 |
| (decrease) increase in accrued expenses and other liabilities | -2,753 |
| Net cash provided by operating activities | 53,698 |
| Net decrease in loans receivable | -189,605 |
| Purchase of loans | 25,848 |
| Purchase of fhlb of new york stock | 63,761 |
| Redemption of fhlb of new york stock | 53,087 |
| Purchases of debt securities available-for-sale | 859,650 |
| Purchases of equity securities | 0 |
| Principal payments and maturities on debt securities available-for-sale | 569,106 |
| Principal payments and maturities on debt securities held-to-maturity | 997 |
| Proceeds from sale of equity securities | 9,261 |
| Proceeds from sale of premises and equipment and other real estate owned | 0 |
| Purchases and improvements of premises and equipment | 1,150 |
| Net cash (used in) provided by investing activities | -128,353 |
| Net (decrease) increase in deposits | -122,668 |
| Dividends paid | 21,152 |
| Exercise of stock options | 0 |
| Purchase of treasury stock | 15,351 |
| Decrease in advance payments by borrowers for taxes and insurance | -3,781 |
| Proceeds from securities sold under agreements to repurchase and other borrowings | 5,336,639 |
| Repayments related to securities sold under agreements to repurchase and other borrowings | 5,102,825 |
| Net cash provided by (used in) financing activities | 70,862 |
| Net (decrease) increase in cash and cash equivalents | -3,793 |
| Cash and cash equivalents at beginning of year | 167,744 |
| Cash and cash equivalents at end of year | 163,951 |
Northfield Bancorp, Inc. (NFBK)
Northfield Bancorp, Inc. (NFBK)