For the quarter ending 2026-03-31, NFBK had $75,656K increase in cash & cash equivalents over the period. $19,592K in free cash flow.
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Interest income | 62,908 | 63,633 | 62,946 | - |
| Other revenues - non-interest income | 3,412 | 4,676 | 4,726 | - |
| Total consolidated revenues | 66,320 | 68,309 | 67,672 | - |
| Interest expense | 25,945 | 26,966 | 28,434 | - |
| Segment net interest income and non-interest income | 40,375 | 41,343 | 39,238 | - |
| Compensation and employee benefits | 12,673 | 12,345 | 13,522 | - |
| Provision for credit losses | 247 | 1,665 | 1,069 | - |
| Other segment items | 10,586 | 49,731 | 9,860 | - |
| Income tax expense | 5,026 | 5,004 | 4,036 | - |
| Segment expenses | 28,532 | 68,745 | 28,487 | - |
| Net income | 11,843 | -27,402 | 10,751 | 17,447 |
| Provision for credit losses | 247 | 1,665 | 1,069 | 4,668 |
| (gain) loss on sale of premises and equipment and other real estate owned, net | - | 0 | - | - |
| Goodwill impairment | - | 41,012 | - | - |
| Net gain on sale of loans held-for-sale | - | 0 | 0 | 0 |
| Esop and stock compensation expense | 867 | 1,806 | 1,055 | 2,133 |
| Depreciation | 743 | 776 | 800 | 1,621 |
| Amortization of premiums and deferred loan costs, net of accretion of discounts and deferred loan fees | 791 | 354 | 1,162 | 2,418 |
| Proceeds from loans held-for-sale | - | 0 | 0 | 0 |
| Amortization of debt issuance costs | 56 | 55 | 56 | 112 |
| Origination of loans held-for-sale | - | 0 | 0 | 0 |
| Amortization of intangible assets | 0 | 12 | 11 | 24 |
| Amortization of operating lease right-of-use assets | 1,201 | 1,203 | 1,198 | 2,367 |
| Income on bank-owned life insurance | 1,891 | 1,831 | 1,863 | 3,375 |
| Losses on available-for-sale debt securities, net | -2 | 0 | 0 | 0 |
| Losses on trading securities, net | -254 | 181 | 804 | 709 |
| Net sales of trading securities | -1,130 | 66 | 112 | -541 |
| Decrease (increase) in accrued interest receivable | -32 | 707 | 170 | 163 |
| Decrease (increase) in other assets | -6,836 | -2,523 | 3,799 | -1,778 |
| Deferred tax (benefit) provision | - | 984 | - | - |
| Decrease in accrued expenses and other liabilities | -2,331 | -2,008 | 4,567 | -5,312 |
| Net cash provided by operating activities | 19,780 | 16,227 | 13,921 | 23,550 |
| Purchases of equity securities | - | 0 | 0 | 0 |
| Net decrease in loans receivable | -46,996 | -46,770 | -22,899 | -119,936 |
| Purchase of loans | - | 4,174 | 3,442 | 18,232 |
| Purchases of fhlb of new york stock | 10,322 | 14,083 | 15,161 | 34,517 |
| Redemptions of fhlb of new york stock | 14,695 | 13,233 | 13,107 | 26,747 |
| Purchases of debt securities available-for-sale | 147,662 | 261,887 | 125,925 | 471,838 |
| Proceeds from sale of equity securities | 0 | 0 | 1,278 | 7,983 |
| Principal payments and maturities on debt securities available-for-sale | 177,893 | 182,487 | 99,311 | 287,308 |
| Proceeds from sale of premises and equipment and other real estate owned | - | 0 | - | - |
| Principal payments and maturities on debt securities held-to-maturity | 61 | 57 | 57 | 883 |
| Purchases and improvements of premises and equipment | 188 | 345 | 327 | 478 |
| Net cash provided by (used in) investing activities | 81,473 | -37,942 | -8,203 | -82,208 |
| Net increase (decrease) in deposits | 72,808 | 42,049 | -12,427 | -152,290 |
| Dividends paid | 5,281 | 5,208 | 5,261 | 10,683 |
| Exercise of stock options | - | 0 | - | - |
| Purchase of treasury stock | 447 | 127 | 0 | 15,224 |
| Increase in advance payments by borrowers for taxes and insurance | 5,354 | -2,889 | -2,122 | 1,230 |
| Proceeds from borrowings and securities sold under agreements to repurchase | 405,500 | 1,080,600 | 2,385,539 | 1,870,500 |
| Repayments related to other borrowings and securities sold under agreements to repurchase | 503,531 | 1,060,484 | 2,337,359 | 1,704,982 |
| Net cash (used in) provided by financing activities | -25,597 | 53,941 | 28,370 | -11,449 |
| Net increase (decrease) in cash and cash equivalents | 75,656 | 32,226 | 34,088 | -70,107 |
| Cash and cash equivalents at beginning of period | 163,951 | 131,725 | 167,744 | - |
| Cash and cash equivalents at end of period | 239,607 | 163,951 | 131,725 | - |
Northfield Bancorp, Inc. (NFBK)
Northfield Bancorp, Inc. (NFBK)