Should I Buy NFBK? NFBK 2026 Analysis

Should You Buy Northfield Bancorp Inc (NFBK) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion

Buy

Latest Price

12.320

1 Day change

1.40%

52 Week Range

12.590

Analysis Updated At

2026/01/30

Buy now (pre-market ~12.15) for a near-term momentum/swing attempt. The chart trend is bullish (SMA_5 > SMA_20 > SMA_200 and MACD histogram expanding above zero) and price is holding just above the 12.06 pivot, giving a reasonable immediate entry for an impatient buyer. Upside is primarily a move toward 12.44 (R1) and 12.68 (R2). Options positioning is unusually put-heavy (likely hedging/illiquidity-driven), but it doesn’t outweigh the current bullish technical setup and the strong latest-quarter growth.

Technical Analysis

Trend/structure: Bullish. Moving averages are stacked bullish (SMA_5 > SMA_20 > SMA_200), indicating an established uptrend. Momentum: MACD histogram is +0.0147 and positively expanding, supporting continued upside momentum. RSI(6)=62.15 (neutral-to-bullish), not yet stretched. Levels: Pivot 12.058 is the key near-term line; above it the bias stays constructive. Resistance levels sit at 12.44 (R1) then 12.676 (R2). Supports are 11.676 (S1) and 11.44 (S2). Pattern-based expectation: Similar-pattern stats suggest a modest positive drift (approx. +1.94% next day, +2.24% next week, +12.41% next month probabilities/outcomes as provided), aligning with a buy-now swing posture. Intellectia Proprietary Trading Signals - [AI Stock Picker](module://ai_stock_pick): no signal on given stock today. - [SwingMax](module://swingmax): No signal on given stock recently.

Options Data

Bearish

Open Interest Put-Call Ratio

Bullish

Option Volume Put-Call Ratio

Positioning/sentiment: Extremely elevated open-interest put/call ratio (41.74) with very small call OI (27) versus put OI (1127). Today’s volume is only puts (18) with zero calls, suggesting strongly defensive positioning and/or thin options liquidity. Volatility: 30D IV is very high (104.4) with IV percentile 94.4, implying the options market is pricing elevated uncertainty. That backdrop can coincide with sharper moves around catalysts, but it also reflects caution from derivatives traders. Net read: Options data leans bearish/defensive, but the signal quality is reduced by very low activity and skewed open interest.

Technical Summary

Sell

Buy

Positive Catalysts

Strong latest reported quarter (2025/Q3): Revenue +20.53% YoY, Net Income +64.82% YoY, EPS +68.75% YoY—supports the bull case and improves confidence in underlying operating momentum.
Technicals are currently aligned bullish (MA stack + expanding MACD).
Upcoming earnings date set for 2026-02-11 (after hours): potential catalyst if growth trend continues.

Neutral/Negative Catalysts

No news flow in the last week (no clear near-term narrative catalyst).
Broader tape is risk-off pre-market (S&P 500 -0.67%), which can cap small-cap bank upside intraday.
Options market is heavily put-skewed with very high implied volatility, signaling defensive sentiment and higher perceived uncertainty into upcoming events (notably earnings).

Financial Performance

Latest quarter: 2025/Q3. Growth trends were strong: Revenue rose to 34,669,000 (+20.53% YoY), Net Income to 10,751,000 (+64.82% YoY), EPS to 0.27 (+68.75% YoY). Overall this is a clear acceleration in profitability versus revenue, which is typically supportive for the stock if the trend persists into the next print.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

No analyst rating/price target change data was provided in the dataset, so a recent trend summary can’t be verified here. From a ‘Wall Street pros/cons’ lens using only the available info: Pros—recent quarter shows strong YoY improvement in revenue, earnings, and EPS. Cons—options positioning is defensively skewed and implied volatility is elevated, suggesting the market is not uniformly confident.

1 Analyst Rating

Wall Street analysts forecast NFBK stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for NFBK is 12 USD with a low forecast of 12 USD and a high forecast of 12 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

0 Buy

1 Hold

0 Sell

Hold

Current: 12.150

Low

Averages

High

Current: 12.150

Low

Averages

High

Keefe Bruyette

David Konrad

Market Perform

downgrade

$13 -> $12

AI Analysis

2025-10-28

Reason