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Side-by-side financial comparison of Northfield Bancorp, Inc. (NFBK) and STEM, INC. (STEM). Click either name above to swap in a different company.
STEM, INC. is the larger business by last-quarter revenue ($47.1M vs $41.3M, roughly 1.1× Northfield Bancorp, Inc.). STEM, INC. runs the higher net margin — -33.9% vs -1545.5%, a 1511.6% gap on every dollar of revenue. On growth, Northfield Bancorp, Inc. posted the faster year-over-year revenue change (12.7% vs -15.6%). Over the past eight quarters, STEM, INC.'s revenue compounded faster (36.1% 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.
StemCells, Inc. is a public biopharmaceutical company headquartered in Newark, California, that is developing purified human neural stem cells (HuCNS-SCs) in the hopes of treating central nervous system disorders and paralysis. StemCells' HuCNS-SCs have the ability to differentiate into the three main types of cells found in the central nervous system: neurons, astrocytes and oligodendrocytes.
NFBK vs STEM — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $41.3M | $47.1M |
| Net Profit | $-27.4M | $-16.0M |
| Gross Margin | — | 48.9% |
| Operating Margin | -1263.3% | -17.7% |
| Net Margin | -1545.5% | -33.9% |
| Revenue YoY | 12.7% | -15.6% |
| Net Profit YoY | -343.6% | 68.8% |
| EPS (diluted) | $-0.68 | $-4.40 |
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 | $47.1M | ||
| Q3 25 | $39.2M | $38.2M | ||
| Q2 25 | $38.9M | $38.4M | ||
| Q1 25 | $34.8M | $32.5M | ||
| Q4 24 | $36.7M | $55.8M | ||
| Q3 24 | $31.8M | $29.3M | ||
| Q2 24 | $31.5M | $34.0M | ||
| Q1 24 | $31.3M | $25.5M |
| Q4 25 | $-27.4M | $-16.0M | ||
| Q3 25 | $10.8M | $-23.8M | ||
| Q2 25 | $9.6M | $202.5M | ||
| Q1 25 | $7.9M | $-25.0M | ||
| Q4 24 | $11.3M | $-51.1M | ||
| Q3 24 | $6.5M | $-148.3M | ||
| Q2 24 | $6.0M | $-582.3M | ||
| Q1 24 | $6.2M | $-72.3M |
| Q4 25 | — | 48.9% | ||
| Q3 25 | — | 35.5% | ||
| Q2 25 | — | 33.4% | ||
| Q1 25 | — | 32.4% | ||
| Q4 24 | — | -4.4% | ||
| Q3 24 | — | 21.2% | ||
| Q2 24 | — | 27.6% | ||
| Q1 24 | — | -95.0% |
| Q4 25 | -1263.3% | -17.7% | ||
| Q3 25 | 37.7% | -33.6% | ||
| Q2 25 | 35.6% | -34.8% | ||
| Q1 25 | 31.0% | -65.0% | ||
| Q4 24 | 38.0% | -84.4% | ||
| Q3 24 | 27.9% | -493.2% | ||
| Q2 24 | 29.1% | -1705.5% | ||
| Q1 24 | 27.2% | -267.0% |
| Q4 25 | -1545.5% | -33.9% | ||
| Q3 25 | 27.4% | -62.2% | ||
| Q2 25 | 24.6% | 527.8% | ||
| Q1 25 | 22.6% | -76.9% | ||
| Q4 24 | 30.7% | -91.6% | ||
| Q3 24 | 20.5% | -506.3% | ||
| Q2 24 | 18.9% | -1712.6% | ||
| Q1 24 | 19.9% | -283.9% |
| Q4 25 | $-0.68 | $-4.40 | ||
| Q3 25 | $0.27 | $-2.84 | ||
| Q2 25 | $0.24 | $-1.79 | ||
| Q1 25 | $0.19 | $-0.15 | ||
| Q4 24 | $0.27 | $-15.29 | ||
| Q3 24 | $0.16 | $-18.24 | ||
| Q2 24 | $0.14 | $-71.81 | ||
| Q1 24 | $0.15 | $-0.46 |
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 | $48.9M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $690.1M | $-249.4M |
| Total Assets | $5.8B | $308.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $164.0M | $48.9M | ||
| Q3 25 | $131.7M | $43.1M | ||
| Q2 25 | $97.6M | $40.8M | ||
| Q1 25 | $101.7M | $58.6M | ||
| Q4 24 | $167.7M | $56.3M | ||
| Q3 24 | $232.9M | $75.4M | ||
| Q2 24 | $153.5M | $89.6M | ||
| Q1 24 | $238.8M | $112.8M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $666.4M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $690.1M | $-249.4M | ||
| Q3 25 | $719.6M | $-235.7M | ||
| Q2 25 | $710.3M | $-214.1M | ||
| Q1 25 | $711.1M | $-417.5M | ||
| Q4 24 | $704.7M | $-398.4M | ||
| Q3 24 | $699.6M | $-344.1M | ||
| Q2 24 | $693.0M | $-203.2M | ||
| Q1 24 | $698.4M | $371.6M |
| Q4 25 | $5.8B | $308.9M | ||
| Q3 25 | $5.7B | $362.6M | ||
| Q2 25 | $5.7B | $379.2M | ||
| Q1 25 | $5.7B | $405.1M | ||
| Q4 24 | $5.7B | $437.4M | ||
| Q3 24 | $5.7B | $537.8M | ||
| Q2 24 | $5.7B | $691.5M | ||
| Q1 24 | $5.9B | $1.3B |
| 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 | $8.2M |
| 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 | $53.7M | $8.2M | ||
| Q3 25 | $13.9M | $11.4M | ||
| Q2 25 | $14.1M | $-21.3M | ||
| Q1 25 | $9.4M | $8.5M | ||
| Q4 24 | $31.1M | $-14.7M | ||
| Q3 24 | $14.0M | $-9.4M | ||
| Q2 24 | $6.9M | $-11.9M | ||
| Q1 24 | $4.2M | $-621.0K |
| 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 | 0.8% | — | ||
| Q2 25 | 0.6% | — | ||
| Q1 25 | 0.7% | — | ||
| Q4 24 | 3.1% | — | ||
| Q3 24 | 0.7% | — | ||
| Q2 24 | 0.8% | — | ||
| Q1 24 | 1.4% | — |
| Q4 25 | — | — | ||
| Q3 25 | 1.29× | — | ||
| Q2 25 | 1.48× | -0.11× | ||
| 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.
