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Side-by-side financial comparison of Northfield Bancorp, Inc. (NFBK) and Owlet, Inc. (OWLT). Click either name above to swap in a different company.
Northfield Bancorp, Inc. is the larger business by last-quarter revenue ($41.3M vs $26.6M, roughly 1.6× Owlet, Inc.). Owlet, Inc. runs the higher net margin — -34.6% vs -1545.5%, a 1510.9% gap on every dollar of revenue. On growth, Owlet, Inc. posted the faster year-over-year revenue change (29.6% vs 12.7%). Northfield Bancorp, Inc. produced more free cash flow last quarter ($52.5M vs $-651.0K). Over the past eight quarters, Owlet, Inc.'s revenue compounded faster (34.2% CAGR vs 15.0%).
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.
Owlet, Inc. is a pediatric health technology firm that develops smart wearable monitoring products for infants, most notably its signature smart sock that tracks real-time heart rate, oxygen levels, and sleep metrics. It serves global consumer markets across North America, Europe, and Asia-Pacific, distributing products via direct-to-consumer e-commerce and partnered retail outlets, focused on supporting parental peace of mind and infant health safety.
NFBK vs OWLT — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $41.3M | $26.6M |
| Net Profit | $-27.4M | $-9.2M |
| Gross Margin | — | 47.6% |
| Operating Margin | -1263.3% | -18.4% |
| Net Margin | -1545.5% | -34.6% |
| Revenue YoY | 12.7% | 29.6% |
| Net Profit YoY | -343.6% | -1.5% |
| EPS (diluted) | $-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 | $41.3M | $26.6M | ||
| Q3 25 | $39.2M | $32.0M | ||
| Q2 25 | $38.9M | $26.1M | ||
| Q1 25 | $34.8M | $21.1M | ||
| Q4 24 | $36.7M | $20.5M | ||
| Q3 24 | $31.8M | $22.1M | ||
| Q2 24 | $31.5M | $20.7M | ||
| Q1 24 | $31.3M | $14.8M |
| Q4 25 | $-27.4M | $-9.2M | ||
| Q3 25 | $10.8M | $4.1M | ||
| Q2 25 | $9.6M | $-37.6M | ||
| Q1 25 | $7.9M | $3.0M | ||
| Q4 24 | $11.3M | $-9.1M | ||
| Q3 24 | $6.5M | $-5.6M | ||
| Q2 24 | $6.0M | $-1.1M | ||
| Q1 24 | $6.2M | $3.3M |
| Q4 25 | — | 47.6% | ||
| Q3 25 | — | 50.6% | ||
| Q2 25 | — | 51.3% | ||
| Q1 25 | — | 53.7% | ||
| Q4 24 | — | 53.5% | ||
| Q3 24 | — | 52.2% | ||
| Q2 24 | — | 49.5% | ||
| Q1 24 | — | 44.4% |
| Q4 25 | -1263.3% | -18.4% | ||
| Q3 25 | 37.7% | 3.8% | ||
| Q2 25 | 35.6% | -7.4% | ||
| Q1 25 | 31.0% | -12.7% | ||
| Q4 24 | 38.0% | -36.2% | ||
| Q3 24 | 27.9% | -21.8% | ||
| Q2 24 | 29.1% | -10.8% | ||
| Q1 24 | 27.2% | -39.0% |
| Q4 25 | -1545.5% | -34.6% | ||
| Q3 25 | 27.4% | 12.9% | ||
| Q2 25 | 24.6% | -144.4% | ||
| Q1 25 | 22.6% | 14.3% | ||
| Q4 24 | 30.7% | -44.2% | ||
| Q3 24 | 20.5% | -25.4% | ||
| Q2 24 | 18.9% | -5.5% | ||
| Q1 24 | 19.9% | 22.2% |
| Q4 25 | $-0.68 | — | ||
| Q3 25 | $0.27 | $-0.06 | ||
| Q2 25 | $0.24 | $-2.37 | ||
| Q1 25 | $0.19 | $0.11 | ||
| Q4 24 | $0.27 | $-0.15 | ||
| Q3 24 | $0.16 | $-0.61 | ||
| Q2 24 | $0.14 | $-0.30 | ||
| Q1 24 | $0.15 | $-0.51 |
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 | $35.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $690.1M | $19.0M |
| Total Assets | $5.8B | $85.6M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $164.0M | $35.5M | ||
| Q3 25 | $131.7M | $23.8M | ||
| Q2 25 | $97.6M | $21.8M | ||
| Q1 25 | $101.7M | $16.3M | ||
| Q4 24 | $167.7M | $20.2M | ||
| Q3 24 | $232.9M | $21.6M | ||
| Q2 24 | $153.5M | $15.4M | ||
| Q1 24 | $238.8M | $18.4M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $666.4M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $2.1M | ||
| Q1 24 | — | $4.0M |
| Q4 25 | $690.1M | $19.0M | ||
| Q3 25 | $719.6M | $-54.1M | ||
| Q2 25 | $710.3M | $-59.2M | ||
| Q1 25 | $711.1M | $-25.8M | ||
| Q4 24 | $704.7M | $-29.8M | ||
| Q3 24 | $699.6M | $-21.5M | ||
| Q2 24 | $693.0M | $-33.4M | ||
| Q1 24 | $698.4M | $-32.9M |
| Q4 25 | $5.8B | $85.6M | ||
| Q3 25 | $5.7B | $74.9M | ||
| Q2 25 | $5.7B | $63.5M | ||
| Q1 25 | $5.7B | $51.4M | ||
| Q4 24 | $5.7B | $49.5M | ||
| Q3 24 | $5.7B | $56.1M | ||
| Q2 24 | $5.7B | $45.9M | ||
| Q1 24 | $5.9B | $43.8M |
| 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 | $53.7M | $-452.0K |
| Free Cash FlowOCF − Capex | $52.5M | $-651.0K |
| FCF MarginFCF / Revenue | 127.1% | -2.5% |
| Capex IntensityCapex / Revenue | 2.8% | 0.7% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $89.2M | $-11.1M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $53.7M | $-452.0K | ||
| Q3 25 | $13.9M | $-2.2M | ||
| Q2 25 | $14.1M | $-2.2M | ||
| Q1 25 | $9.4M | $-5.9M | ||
| Q4 24 | $31.1M | $3.0M | ||
| Q3 24 | $14.0M | $-7.5M | ||
| Q2 24 | $6.9M | $-3.4M | ||
| Q1 24 | $4.2M | $-3.4M |
| Q4 25 | $52.5M | $-651.0K | ||
| Q3 25 | $13.6M | $-2.2M | ||
| Q2 25 | $13.9M | $-2.3M | ||
| Q1 25 | $9.2M | $-5.9M | ||
| Q4 24 | $30.0M | $3.0M | ||
| Q3 24 | $13.7M | $-7.5M | ||
| Q2 24 | $6.7M | $-3.4M | ||
| Q1 24 | $3.8M | — |
| Q4 25 | 127.1% | -2.5% | ||
| Q3 25 | 34.6% | -6.8% | ||
| Q2 25 | 35.7% | -8.8% | ||
| Q1 25 | 26.3% | -28.1% | ||
| Q4 24 | 81.6% | 14.5% | ||
| Q3 24 | 43.2% | -33.9% | ||
| Q2 24 | 21.1% | -16.3% | ||
| Q1 24 | 12.1% | — |
| Q4 25 | 2.8% | 0.7% | ||
| Q3 25 | 0.8% | 0.0% | ||
| Q2 25 | 0.6% | 0.2% | ||
| Q1 25 | 0.7% | 0.0% | ||
| Q4 24 | 3.1% | 0.2% | ||
| Q3 24 | 0.7% | 0.0% | ||
| Q2 24 | 0.8% | 0.0% | ||
| Q1 24 | 1.4% | 0.0% |
| Q4 25 | — | — | ||
| Q3 25 | 1.29× | -0.52× | ||
| Q2 25 | 1.48× | — | ||
| Q1 25 | 1.20× | -1.96× | ||
| Q4 24 | 2.76× | — | ||
| Q3 24 | 2.14× | — | ||
| Q2 24 | 1.16× | — | ||
| Q1 24 | 0.68× | -1.03× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
NFBK
Segment breakdown not available.
OWLT
| US | $22.7M | 85% |
| Non Us | $3.2M | 12% |
| Other | $651.0K | 2% |
