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Side-by-side financial comparison of Northfield Bancorp, Inc. (NFBK) and NORTHERN TECHNOLOGIES INTERNATIONAL CORP (NTIC). Click either name above to swap in a different company.

Northfield Bancorp, Inc. is the larger business by last-quarter revenue ($41.3M vs $23.3M, roughly 1.8× NORTHERN TECHNOLOGIES INTERNATIONAL CORP). NORTHERN TECHNOLOGIES INTERNATIONAL CORP runs the higher net margin — 1.0% vs -1545.5%, a 1546.5% gap on every dollar of revenue. On growth, Northfield Bancorp, Inc. posted the faster year-over-year revenue change (12.7% vs 9.2%). Northfield Bancorp, Inc. produced more free cash flow last quarter ($52.5M vs $-479.7K). Over the past eight quarters, Northfield Bancorp, Inc.'s revenue compounded faster (15.0% CAGR vs 5.8%).

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.

Maxar Technologies Inc., was an American space technology company, specializing in geospatial intelligence, Earth observation, and on-orbit satellite servicing, satellite products, and related services. DigitalGlobe and MDA Holdings Company merged to become Maxar Technologies on October 5, 2017.

NFBK vs NTIC — Head-to-Head

Bigger by revenue
NFBK
NFBK
1.8× larger
NFBK
$41.3M
$23.3M
NTIC
Growing faster (revenue YoY)
NFBK
NFBK
+3.5% gap
NFBK
12.7%
9.2%
NTIC
Higher net margin
NTIC
NTIC
1546.5% more per $
NTIC
1.0%
-1545.5%
NFBK
More free cash flow
NFBK
NFBK
$53.0M more FCF
NFBK
$52.5M
$-479.7K
NTIC
Faster 2-yr revenue CAGR
NFBK
NFBK
Annualised
NFBK
15.0%
5.8%
NTIC

Income Statement — Q4 FY2025 vs Q1 FY2026

Metric
NFBK
NFBK
NTIC
NTIC
Revenue
$41.3M
$23.3M
Net Profit
$-27.4M
$237.8K
Gross Margin
36.0%
Operating Margin
-1263.3%
4.0%
Net Margin
-1545.5%
1.0%
Revenue YoY
12.7%
9.2%
Net Profit YoY
-343.6%
-57.6%
EPS (diluted)
$-0.68
$0.03

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.

Revenue
NFBK
NFBK
NTIC
NTIC
Q4 25
$41.3M
$23.3M
Q3 25
$39.2M
$22.3M
Q2 25
$38.9M
$21.5M
Q1 25
$34.8M
$19.1M
Q4 24
$36.7M
$21.3M
Q3 24
$31.8M
$23.3M
Q2 24
$31.5M
$20.7M
Q1 24
$31.3M
$20.8M
Net Profit
NFBK
NFBK
NTIC
NTIC
Q4 25
$-27.4M
$237.8K
Q3 25
$10.8M
$-1.1M
Q2 25
$9.6M
$121.8K
Q1 25
$7.9M
$434.3K
Q4 24
$11.3M
$561.1K
Q3 24
$6.5M
$1.8M
Q2 24
$6.0M
$976.6K
Q1 24
$6.2M
$1.7M
Gross Margin
NFBK
NFBK
NTIC
NTIC
Q4 25
36.0%
Q3 25
37.9%
Q2 25
38.4%
Q1 25
35.6%
Q4 24
38.3%
Q3 24
43.8%
Q2 24
38.2%
Q1 24
40.0%
Operating Margin
NFBK
NFBK
NTIC
NTIC
Q4 25
-1263.3%
4.0%
Q3 25
37.7%
4.2%
Q2 25
35.6%
4.0%
Q1 25
31.0%
-1.7%
Q4 24
38.0%
5.2%
Q3 24
27.9%
11.8%
Q2 24
29.1%
7.4%
Q1 24
27.2%
10.6%
Net Margin
NFBK
NFBK
NTIC
NTIC
Q4 25
-1545.5%
1.0%
Q3 25
27.4%
-4.9%
Q2 25
24.6%
0.6%
Q1 25
22.6%
2.3%
Q4 24
30.7%
2.6%
Q3 24
20.5%
7.9%
Q2 24
18.9%
4.7%
Q1 24
19.9%
8.2%
EPS (diluted)
NFBK
NFBK
NTIC
NTIC
Q4 25
$-0.68
$0.03
Q3 25
$0.27
$-0.11
Q2 25
$0.24
$0.01
Q1 25
$0.19
$0.04
Q4 24
$0.27
$0.06
Q3 24
$0.16
$0.19
Q2 24
$0.14
$0.10
Q1 24
$0.15
$0.17

Balance Sheet & Financial Strength

Snapshot of each company's liquidity, leverage and book value from the latest quarter.

Metric
NFBK
NFBK
NTIC
NTIC
Cash + ST InvestmentsLiquidity on hand
$164.0M
$6.4M
Total DebtLower is stronger
Stockholders' EquityBook value
$690.1M
$72.4M
Total Assets
$5.8B
$104.0M
Debt / EquityLower = less leverage

8-quarter trend — quarters aligned by calendar period.

Cash + ST Investments
NFBK
NFBK
NTIC
NTIC
Q4 25
$164.0M
$6.4M
Q3 25
$131.7M
$7.3M
Q2 25
$97.6M
$6.8M
Q1 25
$101.7M
$5.1M
Q4 24
$167.7M
$5.6M
Q3 24
$232.9M
$5.0M
Q2 24
$153.5M
$5.8M
Q1 24
$238.8M
$4.8M
Total Debt
NFBK
NFBK
NTIC
NTIC
Q4 25
Q3 25
Q2 25
Q1 25
Q4 24
$666.4M
Q3 24
Q2 24
Q1 24
Stockholders' Equity
NFBK
NFBK
NTIC
NTIC
Q4 25
$690.1M
$72.4M
Q3 25
$719.6M
$72.1M
Q2 25
$710.3M
$72.4M
Q1 25
$711.1M
$69.7M
Q4 24
$704.7M
$70.2M
Q3 24
$699.6M
$71.2M
Q2 24
$693.0M
$68.9M
Q1 24
$698.4M
$68.4M
Total Assets
NFBK
NFBK
NTIC
NTIC
Q4 25
$5.8B
$104.0M
Q3 25
$5.7B
$102.7M
Q2 25
$5.7B
$99.3M
Q1 25
$5.7B
$93.7M
Q4 24
$5.7B
$94.0M
Q3 24
$5.7B
$94.7M
Q2 24
$5.7B
$89.3M
Q1 24
$5.9B
$87.3M
Debt / Equity
NFBK
NFBK
NTIC
NTIC
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
NFBK
NFBK
NTIC
NTIC
Operating Cash FlowLast quarter
$53.7M
$341.9K
Free Cash FlowOCF − Capex
$52.5M
$-479.7K
FCF MarginFCF / Revenue
127.1%
-2.1%
Capex IntensityCapex / Revenue
2.8%
3.5%
Cash ConversionOCF / Net Profit
1.44×
TTM Free Cash FlowTrailing 4 quarters
$89.2M
$-1.8M

8-quarter trend — quarters aligned by calendar period.

Operating Cash Flow
NFBK
NFBK
NTIC
NTIC
Q4 25
$53.7M
$341.9K
Q3 25
$13.9M
$-1.4M
Q2 25
$14.1M
$609.7K
Q1 25
$9.4M
$803.7K
Q4 24
$31.1M
$2.4M
Q3 24
$14.0M
Q2 24
$6.9M
$1.9M
Q1 24
$4.2M
Free Cash Flow
NFBK
NFBK
NTIC
NTIC
Q4 25
$52.5M
$-479.7K
Q3 25
$13.6M
$-1.4M
Q2 25
$13.9M
$-171.2K
Q1 25
$9.2M
$293.1K
Q4 24
$30.0M
$1.2M
Q3 24
$13.7M
Q2 24
$6.7M
$869.4K
Q1 24
$3.8M
FCF Margin
NFBK
NFBK
NTIC
NTIC
Q4 25
127.1%
-2.1%
Q3 25
34.6%
-6.3%
Q2 25
35.7%
-0.8%
Q1 25
26.3%
1.5%
Q4 24
81.6%
5.5%
Q3 24
43.2%
Q2 24
21.1%
4.2%
Q1 24
12.1%
Capex Intensity
NFBK
NFBK
NTIC
NTIC
Q4 25
2.8%
3.5%
Q3 25
0.8%
0.2%
Q2 25
0.6%
3.6%
Q1 25
0.7%
2.7%
Q4 24
3.1%
5.7%
Q3 24
0.7%
Q2 24
0.8%
5.2%
Q1 24
1.4%
Cash Conversion
NFBK
NFBK
NTIC
NTIC
Q4 25
1.44×
Q3 25
1.29×
Q2 25
1.48×
5.01×
Q1 25
1.20×
1.85×
Q4 24
2.76×
4.27×
Q3 24
2.14×
Q2 24
1.16×
1.99×
Q1 24
0.68×

Financial Flow Comparison

Revenue → gross profit → operating profit → net profit for each company.

Revenue Breakdown by Segment

NFBK
NFBK

Segment breakdown not available.

NTIC
NTIC

Inside The USA To Unaffiliated Customers$7.5M32%
Natur Tec$6.0M26%
Acobal$3.6M15%
Other$2.7M12%
BR$2.1M9%
Zerust OY$1.4M6%

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