Northfield Bancorp (NASDAQ:NFBK) and Northeast Community Bancorp (OTCMKTS:NECB) are both small-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their valuation, institutional ownership, profitability, analyst recommendations, earnings, dividends and risk.

Profitability

This table compares Northfield Bancorp and Northeast Community Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Northfield Bancorp 21.75% 4.88% 0.73%
Northeast Community Bancorp N/A N/A N/A

Volatility & Risk

Northfield Bancorp has a beta of 0.54, meaning that its stock price is 46% less volatile than the S&P 500. Comparatively, Northeast Community Bancorp has a beta of 0.39, meaning that its stock price is 61% less volatile than the S&P 500.

Analyst Recommendations

This is a summary of current ratings and price targets for Northfield Bancorp and Northeast Community Bancorp, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Northfield Bancorp 0 0 0 0 N/A
Northeast Community Bancorp 0 0 0 0 N/A

Institutional and Insider Ownership

57.9% of Northfield Bancorp shares are owned by institutional investors. Comparatively, 0.0% of Northeast Community Bancorp shares are owned by institutional investors. 8.6% of Northfield Bancorp shares are owned by insiders. Comparatively, 0.9% of Northeast Community Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Dividends

Northfield Bancorp pays an annual dividend of $0.44 per share and has a dividend yield of 2.8%. Northeast Community Bancorp pays an annual dividend of $0.12 per share and has a dividend yield of 1.1%. Northfield Bancorp pays out 57.9% of its earnings in the form of a dividend. Northfield Bancorp has raised its dividend for 6 consecutive years. Northfield Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Valuation & Earnings

This table compares Northfield Bancorp and Northeast Community Bancorp’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Northfield Bancorp $155.42 million 5.04 $40.08 million $0.76 20.91
Northeast Community Bancorp $50.19 million 2.72 $13.03 million N/A N/A

Northfield Bancorp has higher revenue and earnings than Northeast Community Bancorp.

Summary

Northfield Bancorp beats Northeast Community Bancorp on 11 of the 12 factors compared between the two stocks.

Northfield Bancorp Company Profile

Northfield Bancorp, Inc. (Staten Island, NY) operates as the bank holding company for Northfield Bank that provides various banking products and services primarily to individuals and corporate customers. It accepts various deposits products, including transaction accounts comprising negotiable orders of withdrawal accounts and non-interest bearing checking accounts; savings accounts, such as money market, passbook, and statement savings; certificates of deposit consisting of individual retirement accounts; and brokered deposits. The company also offers various loans comprising multifamily and other commercial real estate loans, construction and land loans, commercial and industrial loans, one-to-four family residential real estate loans, and home equity loans and lines of credit. In addition, it purchases various investment securities, such as mortgage-backed securities and corporate bonds; and deposits funds in other financial institutions, as well as holds primarily mortgage loans and other investments. As of January 30, 2019, the company operated through a network of 40 full-service banking offices located in Staten Island and Brooklyn, New York; and Hunterdon, Mercer, Middlesex, and Union counties, New Jersey. Northfield Bancorp, Inc. (Staten Island, NY) was founded in 1887 and is headquartered in Woodbridge, New Jersey.

Northeast Community Bancorp Company Profile

Northeast Community Bancorp, Inc. operates as the holding company for Northeast Community Bank that provides various financial services to consumers and businesses. The company accepts deposit products, such as checking accounts, money market accounts, savings accounts, certificates of deposit, and individual retirement accounts. Its loan products include multi-family, mixed-use, and non-residential real estate loans; commercial and industrial loans; construction loans; consumer loans; passbook, term, small business administration, and cooperative building loans; and revolving lines of credit. The company also offers various ATM/debit, credit, and gift cards; and investment advisory and financial planning, direct and remote deposit, wire transfer, automated clearing house, credit card merchant, coin and currency, and cash management services, as well as Internet, mobile, and telephone banking services. It operates four full-service branches in New York; three full-service branches in Massachusetts; and a loan production office in New City, New York. The company was founded in 1934 and is headquartered in White Plains, New York. Northeast Community Bancorp, Inc. is a subsidiary of Northeast Community Bancorp, MHC.

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