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Side-by-side financial comparison of Northfield Bancorp, Inc. (NFBK) and Waterstone Financial, Inc. (WSBF). Click either name above to swap in a different company.
Northfield Bancorp, Inc. is the larger business by last-quarter revenue ($41.3M vs $37.2M, roughly 1.1× Waterstone Financial, Inc.). On growth, Waterstone Financial, Inc. posted the faster year-over-year revenue change (16.7% vs 12.7%). Northfield Bancorp, Inc. produced more free cash flow last quarter ($52.5M vs $23.0M). Over the past eight quarters, Northfield Bancorp, Inc.'s revenue compounded faster (15.0% CAGR vs 7.1%).
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.
Waterstone Financial, Inc. is a U.S. bank holding company headquartered in Wisconsin. It offers retail and commercial banking services, residential mortgages, and wealth management solutions, primarily serving consumers and small to medium-sized businesses across the U.S. Midwest region.
NFBK vs WSBF — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $41.3M | $37.2M |
| Net Profit | $-27.4M | — |
| Gross Margin | — | — |
| Operating Margin | -1263.3% | 27.0% |
| Net Margin | -1545.5% | — |
| Revenue YoY | 12.7% | 16.7% |
| Net Profit YoY | -343.6% | — |
| EPS (diluted) | $-0.68 | $0.43 |
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 | $37.2M | ||
| Q3 25 | $39.2M | $37.0M | ||
| Q2 25 | $38.9M | $38.0M | ||
| Q1 25 | $34.8M | $29.7M | ||
| Q4 24 | $36.7M | $31.8M | ||
| Q3 24 | $31.8M | $34.1M | ||
| Q2 24 | $31.5M | $37.2M | ||
| Q1 24 | $31.3M | $32.4M |
| Q4 25 | $-27.4M | — | ||
| Q3 25 | $10.8M | $7.9M | ||
| Q2 25 | $9.6M | $7.7M | ||
| Q1 25 | $7.9M | $3.0M | ||
| Q4 24 | $11.3M | — | ||
| Q3 24 | $6.5M | $4.7M | ||
| Q2 24 | $6.0M | $5.7M | ||
| Q1 24 | $6.2M | $3.0M |
| Q4 25 | -1263.3% | 27.0% | ||
| Q3 25 | 37.7% | 26.6% | ||
| Q2 25 | 35.6% | 25.4% | ||
| Q1 25 | 31.0% | 13.1% | ||
| Q4 24 | 38.0% | 19.5% | ||
| Q3 24 | 27.9% | 17.3% | ||
| Q2 24 | 29.1% | 19.2% | ||
| Q1 24 | 27.2% | 14.7% |
| Q4 25 | -1545.5% | — | ||
| Q3 25 | 27.4% | 21.4% | ||
| Q2 25 | 24.6% | 20.3% | ||
| Q1 25 | 22.6% | 10.2% | ||
| Q4 24 | 30.7% | — | ||
| Q3 24 | 20.5% | 13.9% | ||
| Q2 24 | 18.9% | 15.4% | ||
| Q1 24 | 19.9% | 9.4% |
| Q4 25 | $-0.68 | $0.43 | ||
| Q3 25 | $0.27 | $0.45 | ||
| Q2 25 | $0.24 | $0.43 | ||
| Q1 25 | $0.19 | $0.17 | ||
| Q4 24 | $0.27 | $0.28 | ||
| Q3 24 | $0.16 | $0.26 | ||
| Q2 24 | $0.14 | $0.31 | ||
| 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 | — |
| Total DebtLower is stronger | — | $412.3M |
| Stockholders' EquityBook value | $690.1M | $349.4M |
| Total Assets | $5.8B | $2.3B |
| Debt / EquityLower = less leverage | — | 1.18× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $164.0M | — | ||
| Q3 25 | $131.7M | — | ||
| Q2 25 | $97.6M | — | ||
| Q1 25 | $101.7M | — | ||
| Q4 24 | $167.7M | — | ||
| Q3 24 | $232.9M | — | ||
| Q2 24 | $153.5M | — | ||
| Q1 24 | $238.8M | — |
| Q4 25 | — | $412.3M | ||
| Q3 25 | — | $469.1M | ||
| Q2 25 | — | $465.7M | ||
| Q1 25 | — | $395.9M | ||
| Q4 24 | $666.4M | $446.5M | ||
| Q3 24 | — | $560.1M | ||
| Q2 24 | — | $660.8M | ||
| Q1 24 | — | $634.2M |
| Q4 25 | $690.1M | $349.4M | ||
| Q3 25 | $719.6M | $345.5M | ||
| Q2 25 | $710.3M | $341.5M | ||
| Q1 25 | $711.1M | $341.4M | ||
| Q4 24 | $704.7M | $339.1M | ||
| Q3 24 | $699.6M | $342.0M | ||
| Q2 24 | $693.0M | $334.9M | ||
| Q1 24 | $698.4M | $338.0M |
| Q4 25 | $5.8B | $2.3B | ||
| Q3 25 | $5.7B | $2.3B | ||
| Q2 25 | $5.7B | $2.3B | ||
| Q1 25 | $5.7B | $2.2B | ||
| Q4 24 | $5.7B | $2.2B | ||
| Q3 24 | $5.7B | $2.2B | ||
| Q2 24 | $5.7B | $2.3B | ||
| Q1 24 | $5.9B | $2.2B |
| Q4 25 | — | 1.18× | ||
| Q3 25 | — | 1.36× | ||
| Q2 25 | — | 1.36× | ||
| Q1 25 | — | 1.16× | ||
| Q4 24 | 0.95× | 1.32× | ||
| Q3 24 | — | 1.64× | ||
| Q2 24 | — | 1.97× | ||
| Q1 24 | — | 1.88× |
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 | $24.2M |
| Free Cash FlowOCF − Capex | $52.5M | $23.0M |
| FCF MarginFCF / Revenue | 127.1% | 61.9% |
| Capex IntensityCapex / Revenue | 2.8% | 3.1% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $89.2M | $43.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $53.7M | $24.2M | ||
| Q3 25 | $13.9M | $32.7M | ||
| Q2 25 | $14.1M | $-38.4M | ||
| Q1 25 | $9.4M | $26.7M | ||
| Q4 24 | $31.1M | $48.1M | ||
| Q3 24 | $14.0M | $74.1M | ||
| Q2 24 | $6.9M | $-39.5M | ||
| Q1 24 | $4.2M | $-9.9M |
| Q4 25 | $52.5M | $23.0M | ||
| Q3 25 | $13.6M | $32.4M | ||
| Q2 25 | $13.9M | $-38.5M | ||
| Q1 25 | $9.2M | $26.5M | ||
| Q4 24 | $30.0M | $47.0M | ||
| Q3 24 | $13.7M | $73.9M | ||
| Q2 24 | $6.7M | $-39.7M | ||
| Q1 24 | $3.8M | $-10.3M |
| Q4 25 | 127.1% | 61.9% | ||
| Q3 25 | 34.6% | 87.5% | ||
| Q2 25 | 35.7% | -101.2% | ||
| Q1 25 | 26.3% | 89.2% | ||
| Q4 24 | 81.6% | 147.5% | ||
| Q3 24 | 43.2% | 216.9% | ||
| Q2 24 | 21.1% | -106.7% | ||
| Q1 24 | 12.1% | -31.9% |
| Q4 25 | 2.8% | 3.1% | ||
| Q3 25 | 0.8% | 0.8% | ||
| Q2 25 | 0.6% | 0.2% | ||
| Q1 25 | 0.7% | 0.9% | ||
| Q4 24 | 3.1% | 3.5% | ||
| Q3 24 | 0.7% | 0.6% | ||
| Q2 24 | 0.8% | 0.4% | ||
| Q1 24 | 1.4% | 1.2% |
| Q4 25 | — | — | ||
| Q3 25 | 1.29× | 4.13× | ||
| Q2 25 | 1.48× | -4.98× | ||
| Q1 25 | 1.20× | 8.81× | ||
| Q4 24 | 2.76× | — | ||
| Q3 24 | 2.14× | 15.67× | ||
| Q2 24 | 1.16× | -6.92× | ||
| Q1 24 | 0.68× | -3.27× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
