For the quarter ending 2025-09-30, NFBK had $34,088K increase in cash & cash equivalents over the period. $13,594K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Interest income | 62,946 | - |
| Other revenues - non-interest income | 4,726 | - |
| Total consolidated revenues | 67,672 | - |
| Interest expense | 28,434 | - |
| Segment net interest income and non-interest income | 39,238 | - |
| Compensation and employee benefits | 13,522 | - |
| Provision for credit losses | 1,069 | - |
| Other segment items | 9,860 | - |
| Income tax expense | 4,036 | - |
| Segment expenses | 28,487 | - |
| Net income | 10,751 | 17,447 |
| Provision for credit losses | 1,069 | 4,668 |
| Esop and stock compensation expense | 1,055 | 2,133 |
| Depreciation | 800 | 1,621 |
| Amortization of premiums and deferred loan costs, net of accretion of discounts and deferred loan fees | 1,162 | 2,418 |
| Amortization of debt issuance costs | 56 | 112 |
| Amortization of intangible assets | 11 | 24 |
| Amortization of operating lease right-of-use assets | 1,198 | 2,367 |
| Income on bank-owned life insurance | 1,863 | 3,375 |
| Net gain on sale of loans | 0 | 0 |
| Proceeds from sale of loans held-for-sale | 0 | 0 |
| Origination of loans held-for-sale | 0 | 0 |
| Losses on available-for-sale debt securities, net | 0 | 0 |
| Gains on trading securities, net | 804 | 709 |
| Net sales of trading securities | 112 | -541 |
| Increase in accrued interest receivable | 170 | 163 |
| Increase in other assets | 3,799 | -1,778 |
| (decrease) increase in accrued expenses and other liabilities | 4,567 | -5,312 |
| Net cash provided by operating activities | 13,921 | 23,550 |
| Net decrease in loans receivable | -22,899 | -119,936 |
| Purchases of loans | 3,442 | 18,232 |
| Purchases of fhlb of new york stock | 15,161 | 34,517 |
| Redemptions of fhlb of new york stock | 13,107 | 26,747 |
| Purchases of debt securities available-for-sale | 125,925 | 471,838 |
| Purchases of equity securities | 0 | 0 |
| Proceeds from sale of equity securities | 1,278 | 7,983 |
| Principal payments and maturities on debt securities available-for-sale | 99,311 | 287,308 |
| Principal payments and maturities on debt securities held-to-maturity | 57 | 883 |
| Purchases and improvements of premises and equipment | 327 | 478 |
| Net cash used in investing activities | -8,203 | -82,208 |
| Net decrease in deposits | -12,427 | -152,290 |
| Dividends paid | 5,261 | 10,683 |
| Purchase of treasury stock | 0 | 15,224 |
| Decrease in advance payments by borrowers for taxes and insurance | -2,122 | 1,230 |
| Proceeds from borrowings and securities sold under agreements to repurchase | 2,385,539 | 1,870,500 |
| Repayments related to other borrowings and securities sold under agreements to repurchase | 2,337,359 | 1,704,982 |
| Net cash provided by financing activities | 28,370 | -11,449 |
| Net (decrease) increase in cash and cash equivalents | 34,088 | -70,107 |
| Cash and cash equivalents at beginning of period | 167,744 | - |
| Cash and cash equivalents at end of period | 131,725 | - |
Northfield Bancorp, Inc. (NFBK)
Northfield Bancorp, Inc. (NFBK)