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%

High-Yield Dividend Screener

US Stocks Global Stocks

« Prev Page 62 of 151 Next »

Ticker ⇵	Company ⇵	Dividend Yield % ▼	Dividend Per Share ⇵	Payout Ratio % ⇵
5139.KL	AEON Credit Service (M) Berhad	2.49%	$0.14	21.23%
MOBA.OL	Morrow Bank ASA	2.49%	$0.40	35.32%
NOKIA.HE	Nokia Oyj	2.49%	$0.14	65.00%
SUNI.JK	PT Sunindo Pratama Tbk	2.49%	$20.78	27.09%
TIPCO.BK	Tipco Foods Public Company Limited	2.49%	$0.19	33.58%
003220.KS	Daewon Pharmaceutical Co., Ltd.	2.48%	$297.36	78.76%
081000.KS	Iljin Diamond Co.,Ltd	2.48%	$298.16	39.09%
2489.HK	Persistence Resources Group Ltd	2.48%	$0.03	48.82%
2755.TWO	YoungQin International Co., Ltd.	2.48%	$2.90	54.00%
5474.TWO	Yuan High-Tech Development Co., Ltd.	2.48%	$3.99	63.53%
6665.TWO	Healthconn Corp.	2.48%	$0.51	86.65%
7276.T	Koito Manufacturing Co., Ltd.	2.48%	$57.37	33.13%
BREB.BR	Brederode S.A.	2.48%	$2.66	20.88%
ICBP.JK	PT Indofood CBP Sukses Makmur Tbk	2.48%	$200.00	25.69%
ILU.AX	Iluka Resources Limited	2.48%	$0.15	13.66%
LOXLEY.BK	Loxley Public Company Limited	2.48%	$0.03	32.70%
203450.KQ	UNION biometrics Co., Ltd.	2.47%	$77.45	17.43%
300138.SZ	ChenGuang Biotech Group Co., Ltd.	2.47%	$0.31	44.10%
600854.SS	Jiangsu chunlan refrigerating equipment stock co.,ltd.	2.47%	$0.12	53.56%
601108.SS	Caitong Securities Co.,Ltd.	2.47%	$0.22	38.34%
ACTINVRB.MX	Corporación Actinver, S. A. B. de C. V.	2.47%	$0.55	16.64%
ALCIS.PA	Catering International & Services S.A.	2.47%	$0.34	26.64%
QBR-A.TO	Quebecor Inc.	2.47%	$1.37	38.63%
U13.SI	United Overseas Insurance Limited	2.47%	$0.19	47.92%
002415.SZ	Hangzhou Hikvision Digital Technology Co., Ltd.	2.46%	$0.74	51.16%
2897.T	Nissin Foods Holdings Co.,Ltd.	2.46%	$71.75	42.73%
300144.SZ	Songcheng Performance Development Co.,Ltd	2.46%	$0.20	66.36%
300257.SZ	Kaishan Group Co., Ltd.	2.46%	$0.35	85.09%
4452.T	Kao Corporation	2.46%	$153.90	58.66%
6530.TWO	Axcen Photonics Corporation	2.46%	$1.53	82.52%
6571.T	QB Net Holdings Co.,Ltd.	2.46%	$34.31	43.61%
7298.T	Yachiyo Industry Co., Ltd.	2.46%	$34.07	16.58%
2478.TW	TA-I Technology Co., Ltd.	2.45%	$1.52	53.44%
603305.SS	Ningbo Xusheng Auto Technology Co., Ltd.	2.45%	$0.40	98.16%
603919.SS	JINHUI LIQUOR Co.,Ltd.	2.45%	$0.50	65.59%
688616.SS	Hangzhou Xili Intelligent Technology Co.,Ltd	2.45%	$0.30	55.59%
KALMAR.HE	Kalmar Oyj	2.45%	$1.00	44.14%
TOWR.JK	PT Sarana Menara Nusantara Tbk.	2.45%	$14.34	23.50%
VIVT3.SA	Telefônica Brasil S.A.	2.45%	$0.80	42.63%
103140.KS	Poongsan Corporation	2.44%	$2,600.49	39.75%
300017.SZ	Wangsu Science & Technology Co.,Ltd.	2.44%	$0.25	72.18%
3086.T	J. Front Retailing Co., Ltd.	2.44%	$53.53	43.66%
600182.SS	Giti Tire Corporation	2.44%	$0.37	89.97%
600785.SS	Yinchuan Xinhua Commercial (Group) Co., Ltd.	2.44%	$0.33	55.95%
601636.SS	Zhuzhou Kibing Group Co.,Ltd	2.44%	$0.15	64.94%
ELET5.SA	Centrais Elétricas Brasileiras S.A. - Eletrobrás	2.44%	$1.92	63.99%
LISN.SW	Chocoladefabriken Lindt & Sprüngli AG	2.44%	$2,845.60	50.18%
SCA-A.ST	Svenska Cellulosa Aktiebolaget SCA (publ)	2.44%	$3.00	59.52%
000858.SZ	Wuliangye Yibin Co.,Ltd.	2.43%	$2.58	35.17%
002328.SZ	Shanghai Xinpeng Industry Co.,Ltd.	2.43%	$0.16	82.89%

Financial Statements

Fundamentals

Valuations

Miscellaneous

Analysis Mode

Ticker

Industry

Sector

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