DDM Analysis: NFBK

Valuation Snapshot

Stable Growth	$16.86 - $34.15	$23.54
Multi-Stage	$17.45 - $19.08	$18.25
Blended Fair Value	$20.89
Current Price	$11.80
Upside	77.07%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	1.56%	5.41%	0.54	0.56	0.60	0.60	0.53	0.50	0.46	0.39	0.35	0.30
YoY Growth	-	-	-4.25%	-5.52%	-0.71%	13.14%	6.33%	8.17%	19.35%	11.17%	15.51%	-5.43%
Dividend Yield	-	-	4.94%	5.81%	5.06%	4.18%	3.33%	4.46%	3.27%	2.48%	1.93%	1.83%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	39.45
(-) Cash Dividends Paid (M)	21.31
(=) Cash Retained (M)	18.14

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	7.89	4.93	2.96
Cash Retained (M)	18.14	18.14	18.14
(-) Cash Required (M)	-7.89	-4.93	-2.96
(=) Excess Retained (M)	10.25	13.21	15.18
(/) Shares Outstanding (M)	40.48	40.48	40.48
(=) Excess Retained per Share	0.25	0.33	0.38
LTM Dividend per Share	0.53	0.53	0.53
(+) Excess Retained per Share	0.25	0.33	0.38
(=) Adjusted Dividend	0.78	0.85	0.90
WACC / Discount Rate	8.20%	8.20%	8.20%
Growth Rate	3.41%	4.41%	5.41%
Fair Value	$16.86	$23.54	$34.15
Upside / Downside	42.85%	99.46%	189.38%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	39.45	41.19	43.01	44.90	46.89	48.96	50.42
Payout Ratio	54.01%	61.21%	68.41%	75.61%	82.80%	90.00%	92.50%
Projected Dividends (M)	21.31	25.21	29.42	33.95	38.82	44.06	46.64

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	8.20%	8.20%	8.20%
Growth Rate	3.41%	4.41%	5.41%
Year 1 PV (M)	23.08	23.30	23.53
Year 2 PV (M)	24.65	25.13	25.62
Year 3 PV (M)	26.04	26.81	27.58
Year 4 PV (M)	27.26	28.33	29.43
Year 5 PV (M)	28.32	29.72	31.17
PV of Terminal Value (M)	577.05	605.50	635.05
Equity Value (M)	706.41	738.79	772.38
Shares Outstanding (M)	40.48	40.48	40.48
Fair Value	$17.45	$18.25	$19.08
Upside / Downside	47.89%	54.67%	61.70%

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Northfield Bancorp, Inc. (NFBK)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

High-Yield Dividend Screener