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Side-by-side financial comparison of Expensify, Inc. (EXFY) and Northfield Bancorp, Inc. (NFBK). Click either name above to swap in a different company.
Northfield Bancorp, Inc. is the larger business by last-quarter revenue ($41.3M vs $35.2M, roughly 1.2× Expensify, Inc.). On growth, Northfield Bancorp, Inc. posted the faster year-over-year revenue change (12.7% vs -4.9%). Over the past eight quarters, Northfield Bancorp, Inc.'s revenue compounded faster (15.0% CAGR vs 2.4%).
Expensify, Inc. is a software company that develops an expense management system for personal and business use. Expensify also offers a business credit card called the Expensify Card.
Northfield Bancorp, Inc. is a regional bank holding company based in the United States, operating primarily across the U.S. Northeast region. It provides a full range of personal and commercial banking services including deposit accounts, mortgage loans, commercial lending, and wealth management solutions for retail consumers, small to medium-sized businesses and local community clients.
EXFY vs NFBK — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $35.2M | $41.3M |
| Net Profit | — | $-27.4M |
| Gross Margin | 49.2% | — |
| Operating Margin | -11.2% | -1263.3% |
| Net Margin | — | -1545.5% |
| Revenue YoY | -4.9% | 12.7% |
| Net Profit YoY | — | -343.6% |
| EPS (diluted) | $-0.07 | $-0.68 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $35.2M | $41.3M | ||
| Q3 25 | $35.1M | $39.2M | ||
| Q2 25 | $35.8M | $38.9M | ||
| Q1 25 | $36.1M | $34.8M | ||
| Q4 24 | $37.0M | $36.7M | ||
| Q3 24 | $35.4M | $31.8M | ||
| Q2 24 | $33.3M | $31.5M | ||
| Q1 24 | $33.5M | $31.3M |
| Q4 25 | — | $-27.4M | ||
| Q3 25 | $-2.3M | $10.8M | ||
| Q2 25 | $-8.8M | $9.6M | ||
| Q1 25 | $-3.2M | $7.9M | ||
| Q4 24 | — | $11.3M | ||
| Q3 24 | $-2.2M | $6.5M | ||
| Q2 24 | $-2.8M | $6.0M | ||
| Q1 24 | $-3.8M | $6.2M |
| Q4 25 | 49.2% | — | ||
| Q3 25 | 49.6% | — | ||
| Q2 25 | 51.9% | — | ||
| Q1 25 | 50.6% | — | ||
| Q4 24 | 51.0% | — | ||
| Q3 24 | 51.6% | — | ||
| Q2 24 | 56.9% | — | ||
| Q1 24 | 56.5% | — |
| Q4 25 | -11.2% | -1263.3% | ||
| Q3 25 | -6.4% | 37.7% | ||
| Q2 25 | -28.9% | 35.6% | ||
| Q1 25 | -4.1% | 31.0% | ||
| Q4 24 | 1.3% | 38.0% | ||
| Q3 24 | 0.8% | 27.9% | ||
| Q2 24 | 0.7% | 29.1% | ||
| Q1 24 | -5.3% | 27.2% |
| Q4 25 | — | -1545.5% | ||
| Q3 25 | -6.6% | 27.4% | ||
| Q2 25 | -24.6% | 24.6% | ||
| Q1 25 | -8.8% | 22.6% | ||
| Q4 24 | — | 30.7% | ||
| Q3 24 | -6.2% | 20.5% | ||
| Q2 24 | -8.3% | 18.9% | ||
| Q1 24 | -11.3% | 19.9% |
| Q4 25 | $-0.07 | $-0.68 | ||
| Q3 25 | $-0.03 | $0.27 | ||
| Q2 25 | $-0.10 | $0.24 | ||
| Q1 25 | $-0.03 | $0.19 | ||
| Q4 24 | $-0.03 | $0.27 | ||
| Q3 24 | $-0.02 | $0.16 | ||
| Q2 24 | $-0.03 | $0.14 | ||
| Q1 24 | $-0.04 | $0.15 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $63.1M | $164.0M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $132.7M | $690.1M |
| Total Assets | $186.0M | $5.8B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $63.1M | $164.0M | ||
| Q3 25 | $61.5M | $131.7M | ||
| Q2 25 | $60.5M | $97.6M | ||
| Q1 25 | $59.6M | $101.7M | ||
| Q4 24 | $48.8M | $167.7M | ||
| Q3 24 | $39.2M | $232.9M | ||
| Q2 24 | $53.2M | $153.5M | ||
| Q1 24 | $49.3M | $238.8M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $666.4M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $132.7M | $690.1M | ||
| Q3 25 | $135.7M | $719.6M | ||
| Q2 25 | $131.8M | $710.3M | ||
| Q1 25 | $134.7M | $711.1M | ||
| Q4 24 | $128.2M | $704.7M | ||
| Q3 24 | $119.9M | $699.6M | ||
| Q2 24 | $114.0M | $693.0M | ||
| Q1 24 | $106.5M | $698.4M |
| Q4 25 | $186.0M | $5.8B | ||
| Q3 25 | $186.8M | $5.7B | ||
| Q2 25 | $187.1M | $5.7B | ||
| Q1 25 | $189.2M | $5.7B | ||
| Q4 24 | $173.7M | $5.7B | ||
| Q3 24 | $176.2M | $5.7B | ||
| Q2 24 | $192.9M | $5.7B | ||
| Q1 24 | $184.8M | $5.9B |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.95× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $2.2M | $53.7M |
| Free Cash FlowOCF − Capex | — | $52.5M |
| FCF MarginFCF / Revenue | — | 127.1% |
| Capex IntensityCapex / Revenue | — | 2.8% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $89.2M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $2.2M | $53.7M | ||
| Q3 25 | $4.2M | $13.9M | ||
| Q2 25 | $8.9M | $14.1M | ||
| Q1 25 | $4.8M | $9.4M | ||
| Q4 24 | $7.4M | $31.1M | ||
| Q3 24 | $3.7M | $14.0M | ||
| Q2 24 | $9.3M | $6.9M | ||
| Q1 24 | $3.5M | $4.2M |
| Q4 25 | — | $52.5M | ||
| Q3 25 | — | $13.6M | ||
| Q2 25 | — | $13.9M | ||
| Q1 25 | — | $9.2M | ||
| Q4 24 | — | $30.0M | ||
| Q3 24 | — | $13.7M | ||
| Q2 24 | — | $6.7M | ||
| Q1 24 | — | $3.8M |
| Q4 25 | — | 127.1% | ||
| Q3 25 | — | 34.6% | ||
| Q2 25 | — | 35.7% | ||
| Q1 25 | — | 26.3% | ||
| Q4 24 | — | 81.6% | ||
| Q3 24 | — | 43.2% | ||
| Q2 24 | — | 21.1% | ||
| Q1 24 | — | 12.1% |
| Q4 25 | — | 2.8% | ||
| Q3 25 | 0.0% | 0.8% | ||
| Q2 25 | — | 0.6% | ||
| Q1 25 | — | 0.7% | ||
| Q4 24 | 0.0% | 3.1% | ||
| Q3 24 | 0.0% | 0.7% | ||
| Q2 24 | 0.0% | 0.8% | ||
| Q1 24 | 0.0% | 1.4% |
| Q4 25 | — | — | ||
| Q3 25 | — | 1.29× | ||
| Q2 25 | — | 1.48× | ||
| Q1 25 | — | 1.20× | ||
| Q4 24 | — | 2.76× | ||
| Q3 24 | — | 2.14× | ||
| Q2 24 | — | 1.16× | ||
| Q1 24 | — | 0.68× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
