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Side-by-side financial comparison of Northfield Bancorp, Inc. (NFBK) and System1, Inc. (SST). Click either name above to swap in a different company.
System1, Inc. is the larger business by last-quarter revenue ($51.9M vs $41.3M, roughly 1.3× Northfield Bancorp, Inc.). System1, Inc. runs the higher net margin — -26.0% vs -1545.5%, a 1519.6% gap on every dollar of revenue. On growth, Northfield Bancorp, Inc. posted the faster year-over-year revenue change (12.7% vs -31.3%). Over the past eight quarters, Northfield Bancorp, Inc.'s revenue compounded faster (15.0% CAGR vs -21.8%).
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.
System1 is an American Internet advertising company. Formerly known as OpenMail, it was founded in 2013. It describes itself as operating a "Responsive Acquisition Marketing Platform", and cites privacy as one of its principal foci, although it has been criticized for its influence on privacy-focused properties, including search engine Startpage.com. It is headquartered in Marina del Rey, California.
NFBK vs SST — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $41.3M | $51.9M |
| Net Profit | $-27.4M | $-13.5M |
| Gross Margin | — | 41.0% |
| Operating Margin | -1263.3% | -33.6% |
| Net Margin | -1545.5% | -26.0% |
| Revenue YoY | 12.7% | -31.3% |
| Net Profit YoY | -343.6% | 4.8% |
| EPS (diluted) | $-0.68 | $-3.58 |
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 | $51.9M | ||
| Q3 25 | $39.2M | $61.6M | ||
| Q2 25 | $38.9M | $78.1M | ||
| Q1 25 | $34.8M | $74.5M | ||
| Q4 24 | $36.7M | $75.6M | ||
| Q3 24 | $31.8M | $88.8M | ||
| Q2 24 | $31.5M | $94.6M | ||
| Q1 24 | $31.3M | $84.9M |
| Q4 25 | $-27.4M | $-13.5M | ||
| Q3 25 | $10.8M | $-18.5M | ||
| Q2 25 | $9.6M | $-17.5M | ||
| Q1 25 | $7.9M | $-15.9M | ||
| Q4 24 | $11.3M | $-14.2M | ||
| Q3 24 | $6.5M | $-23.6M | ||
| Q2 24 | $6.0M | $-26.4M | ||
| Q1 24 | $6.2M | $-10.5M |
| Q4 25 | — | 41.0% | ||
| Q3 25 | — | 36.9% | ||
| Q2 25 | — | 35.7% | ||
| Q1 25 | — | 38.2% | ||
| Q4 24 | — | 42.1% | ||
| Q3 24 | — | 28.0% | ||
| Q2 24 | — | 27.6% | ||
| Q1 24 | — | 21.9% |
| Q4 25 | -1263.3% | -33.6% | ||
| Q3 25 | 37.7% | -25.3% | ||
| Q2 25 | 35.6% | -20.4% | ||
| Q1 25 | 31.0% | -17.6% | ||
| Q4 24 | 38.0% | -15.7% | ||
| Q3 24 | 27.9% | -24.6% | ||
| Q2 24 | 29.1% | -30.8% | ||
| Q1 24 | 27.2% | -30.4% |
| Q4 25 | -1545.5% | -26.0% | ||
| Q3 25 | 27.4% | -30.1% | ||
| Q2 25 | 24.6% | -22.4% | ||
| Q1 25 | 22.6% | -21.3% | ||
| Q4 24 | 30.7% | -18.7% | ||
| Q3 24 | 20.5% | -26.6% | ||
| Q2 24 | 18.9% | -27.9% | ||
| Q1 24 | 19.9% | -12.4% |
| Q4 25 | $-0.68 | $-3.58 | ||
| Q3 25 | $0.27 | $-2.30 | ||
| Q2 25 | $0.24 | $-2.23 | ||
| Q1 25 | $0.19 | $-0.21 | ||
| Q4 24 | $0.27 | $-3.41 | ||
| Q3 24 | $0.16 | $-3.37 | ||
| Q2 24 | $0.14 | $-3.80 | ||
| Q1 24 | $0.15 | $-0.16 |
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 | $86.9M |
| Total DebtLower is stronger | — | $305.1M |
| Stockholders' EquityBook value | $690.1M | $30.5M |
| Total Assets | $5.8B | $405.0M |
| Debt / EquityLower = less leverage | — | 10.01× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $164.0M | $86.9M | ||
| Q3 25 | $131.7M | $54.6M | ||
| Q2 25 | $97.6M | $63.6M | ||
| Q1 25 | $101.7M | $43.9M | ||
| Q4 24 | $167.7M | $63.6M | ||
| Q3 24 | $232.9M | $69.1M | ||
| Q2 24 | $153.5M | $75.7M | ||
| Q1 24 | $238.8M | $69.9M |
| Q4 25 | — | $305.1M | ||
| Q3 25 | — | $259.2M | ||
| Q2 25 | — | $263.3M | ||
| Q1 25 | — | $267.4M | ||
| Q4 24 | $666.4M | $255.1M | ||
| Q3 24 | — | $259.2M | ||
| Q2 24 | — | $263.3M | ||
| Q1 24 | — | $268.6M |
| Q4 25 | $690.1M | $30.5M | ||
| Q3 25 | $719.6M | $42.7M | ||
| Q2 25 | $710.3M | $58.2M | ||
| Q1 25 | $711.1M | $67.2M | ||
| Q4 24 | $704.7M | $80.3M | ||
| Q3 24 | $699.6M | $90.3M | ||
| Q2 24 | $693.0M | $109.4M | ||
| Q1 24 | $698.4M | $131.7M |
| Q4 25 | $5.8B | $405.0M | ||
| Q3 25 | $5.7B | $385.2M | ||
| Q2 25 | $5.7B | $429.2M | ||
| Q1 25 | $5.7B | $419.2M | ||
| Q4 24 | $5.7B | $459.1M | ||
| Q3 24 | $5.7B | $479.3M | ||
| Q2 24 | $5.7B | $511.3M | ||
| Q1 24 | $5.9B | $521.1M |
| Q4 25 | — | 10.01× | ||
| Q3 25 | — | 6.07× | ||
| Q2 25 | — | 4.53× | ||
| Q1 25 | — | 3.98× | ||
| Q4 24 | 0.95× | 3.18× | ||
| Q3 24 | — | 2.87× | ||
| Q2 24 | — | 2.41× | ||
| Q1 24 | — | 2.04× |
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 | $-10.6M |
| Free Cash FlowOCF − Capex | $52.5M | — |
| FCF MarginFCF / Revenue | 127.1% | — |
| Capex IntensityCapex / Revenue | 2.8% | 0.0% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $89.2M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $53.7M | $-10.6M | ||
| Q3 25 | $13.9M | $-2.1M | ||
| Q2 25 | $14.1M | $24.5M | ||
| Q1 25 | $9.4M | $-15.9M | ||
| Q4 24 | $31.1M | $772.0K | ||
| Q3 24 | $14.0M | $-5.0K | ||
| Q2 24 | $6.9M | $10.0M | ||
| Q1 24 | $4.2M | $-16.0M |
| Q4 25 | $52.5M | — | ||
| Q3 25 | $13.6M | — | ||
| Q2 25 | $13.9M | — | ||
| Q1 25 | $9.2M | $-16.0M | ||
| Q4 24 | $30.0M | — | ||
| Q3 24 | $13.7M | $-36.0K | ||
| Q2 24 | $6.7M | — | ||
| Q1 24 | $3.8M | — |
| Q4 25 | 127.1% | — | ||
| Q3 25 | 34.6% | — | ||
| Q2 25 | 35.7% | — | ||
| Q1 25 | 26.3% | -21.5% | ||
| Q4 24 | 81.6% | — | ||
| Q3 24 | 43.2% | -0.0% | ||
| Q2 24 | 21.1% | — | ||
| Q1 24 | 12.1% | — |
| Q4 25 | 2.8% | 0.0% | ||
| Q3 25 | 0.8% | 0.0% | ||
| Q2 25 | 0.6% | 0.0% | ||
| Q1 25 | 0.7% | 0.1% | ||
| Q4 24 | 3.1% | 0.0% | ||
| Q3 24 | 0.7% | 0.0% | ||
| Q2 24 | 0.8% | 0.0% | ||
| Q1 24 | 1.4% | 0.0% |
| 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.
