Head to Head Survey: Northfield Bancorp (NASDAQ:NFBK) and Northpointe Bancshares (NYSE:NPB)

Northpointe Bancshares (NYSE:NPB) and Northfield Bancorp (NASDAQ:NFBK) are both small-cap finance companies, but which is the superior business? We will contrast the two companies based on the strength of their risk, valuation, institutional ownership, earnings, dividends, profitability and analyst recommendations.

Earnings & Valuation

This table compares Northpointe Bancshares and Northfield Bancorp”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Northpointe Bancshares	$196.56 million	2.54	$55.16 million	N/A	N/A
Northfield Bancorp	$254.73 million	1.74	$29.94 million	$0.86	12.09

Northpointe Bancshares has higher earnings, but lower revenue than Northfield Bancorp.

Dividends

Northpointe Bancshares pays an annual dividend of $0.10 per share and has a dividend yield of 0.7%. Northfield Bancorp pays an annual dividend of $0.52 per share and has a dividend yield of 5.0%. Northfield Bancorp pays out 60.5% of its earnings in the form of a dividend.

Insider and Institutional Ownership

65.5% of Northfield Bancorp shares are held by institutional investors. 18.4% of Northpointe Bancshares shares are held by company insiders. Comparatively, 6.0% of Northfield Bancorp shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Profitability

This table compares Northpointe Bancshares and Northfield Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Northpointe Bancshares	N/A	N/A	N/A
Northfield Bancorp	13.56%	4.64%	0.58%

Analyst Recommendations

This is a breakdown of recent ratings for Northpointe Bancshares and Northfield Bancorp, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Northpointe Bancshares	0	0	2	0	3.00
Northfield Bancorp	0	1	1	0	2.50

Northpointe Bancshares presently has a consensus target price of $17.75, indicating a potential upside of 22.33%. Northfield Bancorp has a consensus target price of $13.00, indicating a potential upside of 25.00%. Given Northfield Bancorp’s higher possible upside, analysts plainly believe Northfield Bancorp is more favorable than Northpointe Bancshares.

Summary

Northfield Bancorp beats Northpointe Bancshares on 7 of the 13 factors compared between the two stocks.

About Northpointe Bancshares

Northpointe Bancshares, Inc. operates as a bank holding company. It offers a nationwide mortgage purchase program, residential mortgage loans, digital deposit banking to retail customers and custodial deposit services. The company was founded by Charles A. Williams in 1998 and is headquartered in Grand Rapids, MI.

About Northfield Bancorp

Northfield Bancorp, Inc. (Staten Island, NY) operates as the bank holding company for Northfield Bank that provides various banking products and services primarily to individuals and corporate customers. It accepts various deposits products, including certificates of deposit, passbook, statement, and money market savings accounts; transaction deposit accounts comprising negotiable orders of withdrawal accounts, and interest and non-interest-bearing checking accounts; and brokered deposits. The company also offers various loans comprising multifamily and other commercial real estate loans, construction and land loans, commercial and industrial loans, one-to-four family residential real estate loans, and home equity loans and lines of credit. In addition, it purchases various investment securities, such as mortgage-backed securities and corporate bonds; and deposits funds in other financial institutions, as well as holds mortgage loans, mortgage-backed securities, and other investments. Further, the company provides automated teller machines; telephone, internet, and mobile banking services; and ACH and wire transfers, cash management, positive pay, and remote deposit capture services. It operates full-service banking offices in Staten Island and Brooklyn, New York; and Hunterdon, Middlesex, Mercer, and Union counties, New Jersey. Northfield Bancorp, Inc. (Staten Island, NY) was founded in 1887 and is headquartered in Woodbridge, New Jersey.