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Side-by-side financial comparison of Northfield Bancorp, Inc. (NFBK) and X4 Pharmaceuticals, Inc (XFOR). Click either name above to swap in a different company.

Northfield Bancorp, Inc. is the larger business by last-quarter revenue ($41.3M vs $28.8M, roughly 1.4× X4 Pharmaceuticals, Inc). X4 Pharmaceuticals, Inc runs the higher net margin — 1.0% vs -1545.5%, a 1546.5% gap on every dollar of revenue.

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.

X4 Pharmaceuticals, Inc. is a clinical-stage biotechnology company focused on developing novel targeted therapies for rare immunological diseases and oncology indications with high unmet medical needs. It operates primarily across the U.S. and European markets, with a lead pipeline candidate for WHIM syndrome and multiple other preclinical and clinical assets for immune disorders and cancer.

NFBK vs XFOR — Head-to-Head

Bigger by revenue
NFBK
NFBK
1.4× larger
NFBK
$41.3M
$28.8M
XFOR
Higher net margin
XFOR
XFOR
1546.5% more per $
XFOR
1.0%
-1545.5%
NFBK

Income Statement — Q4 FY2025 vs Q1 FY2025

Metric
NFBK
NFBK
XFOR
XFOR
Revenue
$41.3M
$28.8M
Net Profit
$-27.4M
$282.0K
Gross Margin
83.6%
Operating Margin
-1263.3%
-32.8%
Net Margin
-1545.5%
1.0%
Revenue YoY
12.7%
Net Profit YoY
-343.6%
100.5%
EPS (diluted)
$-0.68
$0.04

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.

Revenue
NFBK
NFBK
XFOR
XFOR
Q4 25
$41.3M
Q3 25
$39.2M
Q2 25
$38.9M
Q1 25
$34.8M
$28.8M
Q4 24
$36.7M
Q3 24
$31.8M
Q2 24
$31.5M
Q1 24
$31.3M
$0
Net Profit
NFBK
NFBK
XFOR
XFOR
Q4 25
$-27.4M
Q3 25
$10.8M
Q2 25
$9.6M
Q1 25
$7.9M
$282.0K
Q4 24
$11.3M
Q3 24
$6.5M
Q2 24
$6.0M
Q1 24
$6.2M
$-51.8M
Gross Margin
NFBK
NFBK
XFOR
XFOR
Q4 25
Q3 25
Q2 25
Q1 25
83.6%
Q4 24
Q3 24
Q2 24
Q1 24
Operating Margin
NFBK
NFBK
XFOR
XFOR
Q4 25
-1263.3%
Q3 25
37.7%
Q2 25
35.6%
Q1 25
31.0%
-32.8%
Q4 24
38.0%
Q3 24
27.9%
Q2 24
29.1%
Q1 24
27.2%
Net Margin
NFBK
NFBK
XFOR
XFOR
Q4 25
-1545.5%
Q3 25
27.4%
Q2 25
24.6%
Q1 25
22.6%
1.0%
Q4 24
30.7%
Q3 24
20.5%
Q2 24
18.9%
Q1 24
19.9%
EPS (diluted)
NFBK
NFBK
XFOR
XFOR
Q4 25
$-0.68
Q3 25
$0.27
Q2 25
$0.24
Q1 25
$0.19
$0.04
Q4 24
$0.27
Q3 24
$0.16
Q2 24
$0.14
Q1 24
$0.15
$-7.77

Balance Sheet & Financial Strength

Snapshot of each company's liquidity, leverage and book value from the latest quarter.

Metric
NFBK
NFBK
XFOR
XFOR
Cash + ST InvestmentsLiquidity on hand
$164.0M
$40.3M
Total DebtLower is stronger
$75.0M
Stockholders' EquityBook value
$690.1M
$22.9M
Total Assets
$5.8B
$130.0M
Debt / EquityLower = less leverage
3.27×

8-quarter trend — quarters aligned by calendar period.

Cash + ST Investments
NFBK
NFBK
XFOR
XFOR
Q4 25
$164.0M
Q3 25
$131.7M
Q2 25
$97.6M
Q1 25
$101.7M
$40.3M
Q4 24
$167.7M
Q3 24
$232.9M
Q2 24
$153.5M
Q1 24
$238.8M
$60.5M
Total Debt
NFBK
NFBK
XFOR
XFOR
Q4 25
Q3 25
Q2 25
Q1 25
$75.0M
Q4 24
$666.4M
Q3 24
Q2 24
Q1 24
$55.0M
Stockholders' Equity
NFBK
NFBK
XFOR
XFOR
Q4 25
$690.1M
Q3 25
$719.6M
Q2 25
$710.3M
Q1 25
$711.1M
$22.9M
Q4 24
$704.7M
Q3 24
$699.6M
Q2 24
$693.0M
Q1 24
$698.4M
$1.0M
Total Assets
NFBK
NFBK
XFOR
XFOR
Q4 25
$5.8B
Q3 25
$5.7B
Q2 25
$5.7B
Q1 25
$5.7B
$130.0M
Q4 24
$5.7B
Q3 24
$5.7B
Q2 24
$5.7B
Q1 24
$5.9B
$112.2M
Debt / Equity
NFBK
NFBK
XFOR
XFOR
Q4 25
Q3 25
Q2 25
Q1 25
3.27×
Q4 24
0.95×
Q3 24
Q2 24
Q1 24
53.09×

Cash Flow & Capital Efficiency

How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.

Metric
NFBK
NFBK
XFOR
XFOR
Operating Cash FlowLast quarter
$53.7M
$-12.4M
Free Cash FlowOCF − Capex
$52.5M
FCF MarginFCF / Revenue
127.1%
Capex IntensityCapex / Revenue
2.8%
0.0%
Cash ConversionOCF / Net Profit
-43.86×
TTM Free Cash FlowTrailing 4 quarters
$89.2M

8-quarter trend — quarters aligned by calendar period.

Operating Cash Flow
NFBK
NFBK
XFOR
XFOR
Q4 25
$53.7M
Q3 25
$13.9M
Q2 25
$14.1M
Q1 25
$9.4M
$-12.4M
Q4 24
$31.1M
Q3 24
$14.0M
Q2 24
$6.9M
Q1 24
$4.2M
$-33.6M
Free Cash Flow
NFBK
NFBK
XFOR
XFOR
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
$-33.7M
FCF Margin
NFBK
NFBK
XFOR
XFOR
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%
Capex Intensity
NFBK
NFBK
XFOR
XFOR
Q4 25
2.8%
Q3 25
0.8%
Q2 25
0.6%
Q1 25
0.7%
0.0%
Q4 24
3.1%
Q3 24
0.7%
Q2 24
0.8%
Q1 24
1.4%
Cash Conversion
NFBK
NFBK
XFOR
XFOR
Q4 25
Q3 25
1.29×
Q2 25
1.48×
Q1 25
1.20×
-43.86×
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.

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