Savings

Review of Northfield Bancorp, Inc. (Staten Island, NY) (NASDAQ: NFBK) and First Savings Financial Group (NASDAQ: FSFG)


Northfield Bancorp, Inc. (Staten Island, NY) (NASDAQ: NFBKGet a rating) and First Savings Financial Group (NASDAQ: FSFGGet a rating) are both small cap finance companies, but which is the better company? We will compare the two companies based on the strength of their institutional ownership, analyst recommendations, dividends, earnings, profitability, risk and valuation.

Profitability

This table compares the net margins, return on equity and return on assets of Northfield Bancorp, Inc. (Staten Island, NY) and First Savings Financial Group.

Net margins Return on equity return on assets
Northfield Bancorp, Inc. (Staten Island, NY) 36.53% 8.97% 1.21%
First savings financial group 15.08% 11.35% 1.16%

Benefits and evaluation

This table compares gross revenue, earnings per share and valuation of Northfield Bancorp, Inc. (Staten Island, NY) and First Savings Financial Group.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
Northfield Bancorp, Inc. (Staten Island, NY) $186.75 million 3.37 $70.65 million $1.37 9.39
First savings financial group $185.70 million 0.95 $29.57 million $2.85 8.60

Northfield Bancorp, Inc. (Staten Island, NY) has higher revenues and profits than First Savings Financial Group. First Savings Financial Group trades at a lower price-to-earnings ratio than Northfield Bancorp, Inc. (Staten Island, NY), indicating that it is currently the more affordable of the two stocks.

Risk and Volatility

Northfield Bancorp, Inc. (Staten Island, NY) has a beta of 0.69, suggesting its stock price is 31% less volatile than the S&P 500. Comparatively, First Savings Financial Group has a beta of 0, 79, suggesting its stock price is 21% less volatile than the S&P 500.

Dividends

Northfield Bancorp, Inc. (Staten Island, NY) pays an annual dividend of $0.52 per share and has a dividend yield of 4.0%. First Savings Financial Group pays an annual dividend of $0.52 per share and has a dividend yield of 2.1%. Northfield Bancorp, Inc. (Staten Island, NY) pays 38.0% of its earnings as a dividend. First Savings Financial Group pays 18.2% of its profits in the form of dividends. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings over the next few years. Northfield Bancorp, Inc. (Staten Island, NY) has increased its dividend for 1 consecutive year and First Savings Financial Group has increased its dividend for 9 consecutive years.

Insider and Institutional Ownership

64.7% of the shares of Northfield Bancorp, Inc. (Staten Island, NY) are held by institutional investors. By comparison, 30.5% of shares in First Savings Financial Group are held by institutional investors. 6.0% of the shares of Northfield Bancorp, Inc. (Staten Island, NY) are held by insiders. By comparison, 14.3% of First Savings Financial Group shares are held by insiders. Strong institutional ownership indicates that hedge funds, large fund managers, and endowments believe a company will outperform the market over the long term.

Analyst Recommendations

This is a summary of recent ratings from Northfield Bancorp, Inc. (Staten Island, NY) and First Savings Financial Group, as reported by MarketBeat.com.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
Northfield Bancorp, Inc. (Staten Island, NY) 0 2 0 0 2.00
First savings financial group 0 0 1 0 3.00

Northfield Bancorp, Inc. (Staten Island, NY) currently has a consensus price target of $18.50, indicating a potential upside of 43.86%. First Savings Financial Group has a consensus price target of $30.00, indicating a potential upside of 22.36%. Given the likely higher upside of Northfield Bancorp, Inc. (Staten Island, NY), equity research analysts clearly believe that Northfield Bancorp, Inc. (Staten Island, NY) is more favorable than First Savings Financial Group .

Summary

Northfield Bancorp, Inc. (Staten Island, NY) beats First Savings Financial Group on 9 of 17 factors compared between the two stocks.

Company Profile Northfield Bancorp, Inc. (Staten Island, NY) (Get a rating)

Northfield Bancorp, Inc. (Staten Island, NY) operates as a bank holding company for Northfield Bank which provides various banking services primarily to individuals and businesses. It accepts various deposit products, including certificates of deposit, passbooks, statements, and money market savings accounts; trading deposit accounts including negotiable withdrawal order accounts, and interest-bearing and non-interest-bearing checking accounts; individual retirement accounts; and traded deposits. The Company also offers various loans including multi-family and commercial real estate loans, construction and land loans, commercial and industrial loans, residential real estate loans for one to four families, as well as 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 mortgages, mortgage-backed securities and other investments. As of December 31, 2021, the company operated 38 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.

First Savings Financial Group Company Profile (Get a rating)

First Savings Financial Group, Inc. operates as a bank holding company for First Savings Bank which provides various financial services to consumers and businesses in southern Indiana. The Company operates through three segments: Core Banking, SBA Lending and Mortgage Banking. It accepts deposits, such as checking accounts, NOW and money market accounts, regular savings accounts, and term deposits. The Company also offers loans, including residential real estate for one to four families, commercial real estate, construction loans, land and land development, multi-family real estate and commercial business loans, as well as consumer loans, such as auto loans, home equity lines of credit, unsecured loans and loans secured by deposits. Additionally, he is involved in mortgage banking; investment activities; and the provision of property and casualty insurance and reinsurance products to other third-party insurance captives. The company operates 15 branches. First Savings Financial Group, Inc. was incorporated in 2008 and is based in Jeffersonville, Indiana.



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