vs
Side-by-side financial comparison of Northfield Bancorp, Inc. (NFBK) and TSS, Inc. (TSSI). Click either name above to swap in a different company.
TSS, Inc. is the larger business by last-quarter revenue ($60.9M vs $41.3M, roughly 1.5× Northfield Bancorp, Inc.). TSS, Inc. runs the higher net margin — 20.0% vs -1545.5%, a 1565.5% gap on every dollar of revenue. On growth, TSS, Inc. posted the faster year-over-year revenue change (21.8% vs 12.7%). Northfield Bancorp, Inc. produced more free cash flow last quarter ($52.5M vs $15.8M). Over the past eight quarters, TSS, Inc.'s revenue compounded faster (95.8% 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.
NFBK vs TSSI — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $41.3M | $60.9M |
| Net Profit | $-27.4M | $12.2M |
| Gross Margin | — | 17.6% |
| Operating Margin | -1263.3% | 1.5% |
| Net Margin | -1545.5% | 20.0% |
| Revenue YoY | 12.7% | 21.8% |
| Net Profit YoY | -343.6% | 535.7% |
| EPS (diluted) | $-0.68 | $0.44 |
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 | $60.9M | ||
| Q3 25 | $39.2M | $41.9M | ||
| Q2 25 | $38.9M | $44.0M | ||
| Q1 25 | $34.8M | $99.0M | ||
| Q4 24 | $36.7M | $50.0M | ||
| Q3 24 | $31.8M | $70.1M | ||
| Q2 24 | $31.5M | $12.2M | ||
| Q1 24 | $31.3M | $15.9M |
| Q4 25 | $-27.4M | $12.2M | ||
| Q3 25 | $10.8M | $-1.5M | ||
| Q2 25 | $9.6M | $1.5M | ||
| Q1 25 | $7.9M | $3.0M | ||
| Q4 24 | $11.3M | $1.9M | ||
| Q3 24 | $6.5M | $2.6M | ||
| Q2 24 | $6.0M | $1.4M | ||
| Q1 24 | $6.2M | $15.0K |
| Q4 25 | — | 17.6% | ||
| Q3 25 | — | 11.1% | ||
| Q2 25 | — | 17.8% | ||
| Q1 25 | — | 9.3% | ||
| Q4 24 | — | 14.4% | ||
| Q3 24 | — | 11.3% | ||
| Q2 24 | — | 37.3% | ||
| Q1 24 | — | 17.1% |
| Q4 25 | -1263.3% | 1.5% | ||
| Q3 25 | 37.7% | -2.2% | ||
| Q2 25 | 35.6% | 5.1% | ||
| Q1 25 | 31.0% | 4.2% | ||
| Q4 24 | 38.0% | 0.0% | ||
| Q3 24 | 27.9% | 5.4% | ||
| Q2 24 | 29.1% | 14.0% | ||
| Q1 24 | 27.2% | 1.6% |
| Q4 25 | -1545.5% | 20.0% | ||
| Q3 25 | 27.4% | -3.6% | ||
| Q2 25 | 24.6% | 3.4% | ||
| Q1 25 | 22.6% | 3.0% | ||
| Q4 24 | 30.7% | 3.8% | ||
| Q3 24 | 20.5% | 3.8% | ||
| Q2 24 | 18.9% | 11.5% | ||
| Q1 24 | 19.9% | 0.1% |
| Q4 25 | $-0.68 | $0.44 | ||
| Q3 25 | $0.27 | $-0.06 | ||
| Q2 25 | $0.24 | $0.06 | ||
| Q1 25 | $0.19 | $0.12 | ||
| Q4 24 | $0.27 | $0.08 | ||
| Q3 24 | $0.16 | $0.10 | ||
| Q2 24 | $0.14 | $0.06 | ||
| Q1 24 | $0.15 | $0.00 |
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 | $85.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $690.1M | $76.6M |
| Total Assets | $5.8B | $184.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $164.0M | $85.5M | ||
| Q3 25 | $131.7M | $70.7M | ||
| Q2 25 | $97.6M | — | ||
| Q1 25 | $101.7M | — | ||
| Q4 24 | $167.7M | $23.2M | ||
| Q3 24 | $232.9M | $46.4M | ||
| Q2 24 | $153.5M | $8.3M | ||
| Q1 24 | $238.8M | $14.4M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $666.4M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $690.1M | $76.6M | ||
| Q3 25 | $719.6M | $63.4M | ||
| Q2 25 | $710.3M | $9.5M | ||
| Q1 25 | $711.1M | $9.4M | ||
| Q4 24 | $704.7M | $7.1M | ||
| Q3 24 | $699.6M | $7.7M | ||
| Q2 24 | $693.0M | $5.2M | ||
| Q1 24 | $698.4M | $3.7M |
| Q4 25 | $5.8B | $184.9M | ||
| Q3 25 | $5.7B | $165.4M | ||
| Q2 25 | $5.7B | $139.5M | ||
| Q1 25 | $5.7B | $113.5M | ||
| Q4 24 | $5.7B | $96.6M | ||
| Q3 24 | $5.7B | $67.3M | ||
| Q2 24 | $5.7B | $28.9M | ||
| Q1 24 | $5.9B | $26.8M |
| 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 | $16.3M |
| Free Cash FlowOCF − Capex | $52.5M | $15.8M |
| FCF MarginFCF / Revenue | 127.1% | 25.9% |
| Capex IntensityCapex / Revenue | 2.8% | 0.9% |
| Cash ConversionOCF / Net Profit | — | 1.34× |
| TTM Free Cash FlowTrailing 4 quarters | $89.2M | $2.1M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $53.7M | $16.3M | ||
| Q3 25 | $13.9M | $-18.4M | ||
| Q2 25 | $14.1M | $16.3M | ||
| Q1 25 | $9.4M | $20.6M | ||
| Q4 24 | $31.1M | $-21.6M | ||
| Q3 24 | $14.0M | $38.6M | ||
| Q2 24 | $6.9M | $-4.3M | ||
| Q1 24 | $4.2M | $2.6M |
| Q4 25 | $52.5M | $15.8M | ||
| Q3 25 | $13.6M | $-24.9M | ||
| Q2 25 | $13.9M | $5.4M | ||
| Q1 25 | $9.2M | $5.8M | ||
| Q4 24 | $30.0M | $-28.4M | ||
| Q3 24 | $13.7M | $38.6M | ||
| Q2 24 | $6.7M | $-6.0M | ||
| Q1 24 | $3.8M | $2.6M |
| Q4 25 | 127.1% | 25.9% | ||
| Q3 25 | 34.6% | -59.3% | ||
| Q2 25 | 35.7% | 12.3% | ||
| Q1 25 | 26.3% | 5.8% | ||
| Q4 24 | 81.6% | -56.7% | ||
| Q3 24 | 43.2% | 55.1% | ||
| Q2 24 | 21.1% | -49.4% | ||
| Q1 24 | 12.1% | 16.4% |
| Q4 25 | 2.8% | 0.9% | ||
| Q3 25 | 0.8% | 15.3% | ||
| Q2 25 | 0.6% | 24.8% | ||
| Q1 25 | 0.7% | 15.0% | ||
| Q4 24 | 3.1% | 13.4% | ||
| Q3 24 | 0.7% | 0.1% | ||
| Q2 24 | 0.8% | 13.8% | ||
| Q1 24 | 1.4% | 0.2% |
| Q4 25 | — | 1.34× | ||
| Q3 25 | 1.29× | — | ||
| Q2 25 | 1.48× | 11.02× | ||
| Q1 25 | 1.20× | 6.93× | ||
| Q4 24 | 2.76× | -11.32× | ||
| Q3 24 | 2.14× | 14.60× | ||
| Q2 24 | 1.16× | -3.09× | ||
| Q1 24 | 0.68× | 176.40× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
NFBK
Segment breakdown not available.
TSSI
| Procurement Revenues Segment | $43.2M | 71% |
| System Integration Services Segment | $14.2M | 23% |
| Facilities Segment | $3.5M | 6% |
