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Side-by-side financial comparison of Northfield Bancorp, Inc. (NFBK) and OneSpan Inc. (OSPN). Click either name above to swap in a different company.
OneSpan Inc. is the larger business by last-quarter revenue ($65.9M vs $41.3M, roughly 1.6× Northfield Bancorp, Inc.). OneSpan Inc. runs the higher net margin — 17.5% vs -1545.5%, a 1563.1% gap on every dollar of revenue. On growth, Northfield Bancorp, Inc. posted the faster year-over-year revenue change (12.7% vs 4.1%). Over the past eight quarters, Northfield Bancorp, Inc.'s revenue compounded faster (15.0% CAGR vs 4.0%).
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.
OneSpan Inc. is an information security company based in Boston, Massachusetts. Services include an internet fraud prevention platform, multi-factor authentication tools and electronic signature software.
NFBK vs OSPN — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $41.3M | $65.9M |
| Net Profit | $-27.4M | $11.6M |
| Gross Margin | — | 73.6% |
| Operating Margin | -1263.3% | 22.5% |
| Net Margin | -1545.5% | 17.5% |
| Revenue YoY | 12.7% | 4.1% |
| Net Profit YoY | -343.6% | — |
| EPS (diluted) | $-0.68 | $0.39 |
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.
| Q1 26 | — | $65.9M | ||
| Q4 25 | $41.3M | $62.9M | ||
| Q3 25 | $39.2M | $57.1M | ||
| Q2 25 | $38.9M | $59.8M | ||
| Q1 25 | $34.8M | $63.4M | ||
| Q4 24 | $36.7M | $61.2M | ||
| Q3 24 | $31.8M | $56.2M | ||
| Q2 24 | $31.5M | $60.9M |
| Q1 26 | — | $11.6M | ||
| Q4 25 | $-27.4M | $43.5M | ||
| Q3 25 | $10.8M | $6.5M | ||
| Q2 25 | $9.6M | $8.3M | ||
| Q1 25 | $7.9M | $14.5M | ||
| Q4 24 | $11.3M | $28.8M | ||
| Q3 24 | $6.5M | $8.3M | ||
| Q2 24 | $6.0M | $6.6M |
| Q1 26 | — | 73.6% | ||
| Q4 25 | — | 73.6% | ||
| Q3 25 | — | 73.6% | ||
| Q2 25 | — | 73.5% | ||
| Q1 25 | — | 74.3% | ||
| Q4 24 | — | 74.0% | ||
| Q3 24 | — | 73.9% | ||
| Q2 24 | — | 66.2% |
| Q1 26 | — | 22.5% | ||
| Q4 25 | -1263.3% | 19.9% | ||
| Q3 25 | 37.7% | 14.4% | ||
| Q2 25 | 35.6% | 17.6% | ||
| Q1 25 | 31.0% | 27.1% | ||
| Q4 24 | 38.0% | 19.3% | ||
| Q3 24 | 27.9% | 20.0% | ||
| Q2 24 | 29.1% | 12.5% |
| Q1 26 | — | 17.5% | ||
| Q4 25 | -1545.5% | 69.2% | ||
| Q3 25 | 27.4% | 11.4% | ||
| Q2 25 | 24.6% | 13.9% | ||
| Q1 25 | 22.6% | 22.9% | ||
| Q4 24 | 30.7% | 47.1% | ||
| Q3 24 | 20.5% | 14.7% | ||
| Q2 24 | 18.9% | 10.8% |
| Q1 26 | — | $0.39 | ||
| Q4 25 | $-0.68 | $1.13 | ||
| Q3 25 | $0.27 | $0.17 | ||
| Q2 25 | $0.24 | $0.21 | ||
| Q1 25 | $0.19 | $0.37 | ||
| Q4 24 | $0.27 | $0.73 | ||
| Q3 24 | $0.16 | $0.21 | ||
| Q2 24 | $0.14 | $0.17 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $164.0M | $49.8M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $690.1M | $272.0M |
| Total Assets | $5.8B | $383.1M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $49.8M | ||
| Q4 25 | $164.0M | $70.5M | ||
| Q3 25 | $131.7M | $85.6M | ||
| Q2 25 | $97.6M | $92.9M | ||
| Q1 25 | $101.7M | $105.2M | ||
| Q4 24 | $167.7M | $83.2M | ||
| Q3 24 | $232.9M | $77.5M | ||
| Q2 24 | $153.5M | $63.8M |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $666.4M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | — | $272.0M | ||
| Q4 25 | $690.1M | $271.8M | ||
| Q3 25 | $719.6M | $238.3M | ||
| Q2 25 | $710.3M | $242.5M | ||
| Q1 25 | $711.1M | $231.1M | ||
| Q4 24 | $704.7M | $212.5M | ||
| Q3 24 | $699.6M | $194.6M | ||
| Q2 24 | $693.0M | $178.6M |
| Q1 26 | — | $383.1M | ||
| Q4 25 | $5.8B | $397.7M | ||
| Q3 25 | $5.7B | $343.5M | ||
| Q2 25 | $5.7B | $357.1M | ||
| Q1 25 | $5.7B | $333.8M | ||
| Q4 24 | $5.7B | $338.7M | ||
| Q3 24 | $5.7B | $289.3M | ||
| Q2 24 | $5.7B | $286.9M |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.95× | — | ||
| Q3 24 | — | — | ||
| Q2 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 | $53.7M | $28.2M |
| Free Cash FlowOCF − Capex | $52.5M | — |
| FCF MarginFCF / Revenue | 127.1% | — |
| Capex IntensityCapex / Revenue | 2.8% | — |
| Cash ConversionOCF / Net Profit | — | 2.44× |
| TTM Free Cash FlowTrailing 4 quarters | $89.2M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $28.2M | ||
| Q4 25 | $53.7M | $12.6M | ||
| Q3 25 | $13.9M | $11.3M | ||
| Q2 25 | $14.1M | $6.2M | ||
| Q1 25 | $9.4M | $29.4M | ||
| Q4 24 | $31.1M | $12.4M | ||
| Q3 24 | $14.0M | $14.0M | ||
| Q2 24 | $6.9M | $2.3M |
| Q1 26 | — | — | ||
| Q4 25 | $52.5M | $9.6M | ||
| Q3 25 | $13.6M | $8.8M | ||
| Q2 25 | $13.9M | $4.4M | ||
| Q1 25 | $9.2M | $27.7M | ||
| Q4 24 | $30.0M | $10.5M | ||
| Q3 24 | $13.7M | $12.0M | ||
| Q2 24 | $6.7M | $26.0K |
| Q1 26 | — | — | ||
| Q4 25 | 127.1% | 15.3% | ||
| Q3 25 | 34.6% | 15.4% | ||
| Q2 25 | 35.7% | 7.3% | ||
| Q1 25 | 26.3% | 43.8% | ||
| Q4 24 | 81.6% | 17.1% | ||
| Q3 24 | 43.2% | 21.4% | ||
| Q2 24 | 21.1% | 0.0% |
| Q1 26 | — | — | ||
| Q4 25 | 2.8% | 4.7% | ||
| Q3 25 | 0.8% | 4.4% | ||
| Q2 25 | 0.6% | 3.1% | ||
| Q1 25 | 0.7% | 2.6% | ||
| Q4 24 | 3.1% | 3.2% | ||
| Q3 24 | 0.7% | 3.5% | ||
| Q2 24 | 0.8% | 3.7% |
| Q1 26 | — | 2.44× | ||
| Q4 25 | — | 0.29× | ||
| Q3 25 | 1.29× | 1.74× | ||
| Q2 25 | 1.48× | 0.75× | ||
| Q1 25 | 1.20× | 2.02× | ||
| Q4 24 | 2.76× | 0.43× | ||
| Q3 24 | 2.14× | 1.69× | ||
| Q2 24 | 1.16× | 0.35× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
NFBK
Segment breakdown not available.
OSPN
| Product and license | $35.5M | 54% |
| Services and other | $30.4M | 46% |
