Financial Statements — NFBK
Balance Sheet
(in billions USD)| Metric | Q1
2026 | Q3
2025 | Q2
2025 | Q1
2025 | Q3
2024 | Q2
2024 | Q1
2024 | Q3
2023 | Q2
2023 | Q1
2023 | Q3
2022 | Q2
2022 | Q1
2022 | Q3
2021 | Q2
2021 | Q1
2021 |
|---|
| Cash & Equivalents | 0.24 | 0.13 | 0.10 | 0.10 | 0.23 | 0.15 | 0.24 | 0.08 | 0.09 | 0.16 | 0.07 | 0.11 | 0.14 | 0.17 | 0.19 | 0.13 |
| Net Loans & Leases | 3.77 | 3.86 | 3.88 | 3.96 | 4.02 | 4.06 | 4.13 | 4.19 | 4.23 | 4.20 | 4.20 | 4.07 | 3.86 | 3.78 | 3.78 | 3.89 |
| Total Assets | 5.74 | 5.73 | 5.68 | 5.71 | 5.73 | 5.75 | 5.85 | 5.44 | 5.54 | 5.66 | 5.67 | 5.65 | 5.52 | 5.40 | 5.43 | 5.58 |
| Total Deposits | 4.09 | 3.97 | 3.99 | 4.13 | 3.88 | 3.80 | 3.92 | 3.67 | 3.76 | 3.85 | 4.40 | 4.42 | 4.30 | 4.14 | 4.11 | 4.14 |
| Total Liabilities | 5.04 | 5.01 | 4.97 | 5.00 | 5.03 | 5.05 | 5.15 | 4.75 | 4.85 | 4.97 | 4.98 | 4.93 | 4.80 | 4.66 | 4.67 | 4.82 |
| Retained Earnings | 0.43 | 0.45 | 0.45 | 0.44 | 0.44 | 0.43 | 0.43 | 0.43 | 0.43 | 0.42 | 0.41 | 0.40 | 0.39 | 0.37 | 0.36 | 0.35 |
| Total Stockholder Equity | 0.69 | 0.72 | 0.71 | 0.71 | 0.70 | 0.69 | 0.70 | 0.68 | 0.69 | 0.70 | 0.69 | 0.72 | 0.72 | 0.74 | 0.75 | 0.75 |
Income Statement
(in millions USD) (except per-share rows)| Metric | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 | Q2
2021 |
|---|
| Interest & Dividend Income | 62.91 | 63.63 | 62.95 | 62.43 | 60.09 | 59.72 | 59.32 | 60.22 | 58.65 | 54.46 | 52.74 | 51.67 | 49.93 | 48.76 | 47.28 | 43.46 | 40.19 | 41.85 | 42.15 | 43.24 |
| Interest Expense | -- | -- | -- | -- | -- | -- | -- | -- | 30.76 | 25.54 | 23.04 | 20.51 | 15.03 | 9.42 | 5.27 | 3.37 | 3.33 | 3.48 | 3.73 | 4.55 |
| Net Interest Income | 36.96 | 36.67 | 34.51 | 34.40 | 31.79 | 29.69 | 28.23 | 28.69 | 27.88 | 28.92 | 29.69 | 31.16 | 34.90 | 39.34 | 42.01 | 40.09 | 36.87 | 38.37 | 38.42 | 38.69 |
| Provision for Credit Losses | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 2.70 | 0.15 | 0.40 | 0.04 | (0.15) | (3.70) |
| Non-interest Income | 3.41 | 4.68 | 4.73 | 4.53 | 3.02 | 7.00 | 3.58 | 2.86 | 3.38 | 3.63 | 2.12 | 2.82 | 3.33 | 3.22 | 2.29 | 0.77 | 1.71 | 4.27 | 2.63 | 4.92 |
| Non-interest Expense | 23.26 | 62.08 | 23.38 | 22.97 | 21.44 | 20.82 | 20.38 | 22.99 | 22.33 | 20.98 | 20.57 | 20.78 | 21.13 | 21.66 | 17.87 | 18.71 | 18.71 | 20.69 | 19.04 | 19.87 |
| Pretax Income | 16.87 | (22.40) | 14.79 | 13.87 | 10.80 | 13.93 | 8.89 | 9.17 | 8.52 | 11.29 | 11.06 | 13.17 | 16.24 | 19.68 | 23.72 | 21.99 | 19.47 | 21.91 | 22.16 | 27.43 |
| Tax Provision | 5.03 | 5.00 | 4.04 | 4.30 | 2.92 | 2.67 | 2.36 | 3.21 | 2.30 | 3.07 | 2.88 | 3.61 | 4.53 | 5.54 | 6.75 | 6.11 | 5.34 | 5.81 | 6.08 | 7.64 |
| Net Income | 11.84 | (27.40) | 10.75 | 9.57 | 7.88 | 11.25 | 6.52 | 5.96 | 6.21 | 8.22 | 8.18 | 9.56 | 11.71 | 14.14 | 16.98 | 15.87 | 14.13 | 16.10 | 16.08 | 19.79 |
| Basic EPS | 0.30 | (0.68) | 0.27 | 0.24 | 0.19 | 0.27 | 0.16 | 0.14 | 0.15 | 0.19 | 0.19 | 0.22 | 0.26 | 0.31 | 0.37 | 0.34 | 0.30 | 0.35 | 0.33 | 0.40 |
| Diluted EPS | 0.30 | (0.68) | 0.27 | 0.24 | 0.19 | 0.27 | 0.16 | 0.14 | 0.15 | 0.19 | 0.19 | 0.22 | 0.26 | 0.31 | 0.37 | 0.34 | 0.30 | 0.34 | 0.33 | 0.40 |
Cash Flow Statement
(in millions USD)| Metric | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 | Q2
2021 |
|---|
| Operating Cash Flow | 19.78 | 16.23 | 13.92 | 14.12 | 9.43 | 6.00 | 13.96 | 6.91 | 4.24 | 14.29 | 11.67 | 3.27 | 17.75 | 24.97 | 17.98 | 20.79 | 19.60 | 21.36 | 18.42 | 4.79 |
| Capital Expenditures | 0.19 | 0.35 | 0.33 | 0.22 | 0.26 | 0.24 | 0.22 | 0.24 | 0.45 | 1.53 | 0.51 | 0.82 | 0.74 | 0.35 | 0.51 | 1.32 | 0.37 | 0.35 | 0.27 | 0.73 |
| Free Cash Flow* | 19.59 | 15.88 | 13.59 | 13.90 | 9.17 | 5.75 | 13.74 | 6.67 | 3.79 | 12.76 | 11.15 | 2.45 | 17.01 | 24.62 | 17.46 | 19.47 | 19.23 | 21.01 | 18.15 | 4.06 |
| Investing Cash Flow | 81.47 | (37.94) | (8.20) | 24.14 | (106.35) | (5.82) | 102.94 | 23.81 | (239.42) | (4.74) | 92.09 | 56.28 | 50.24 | 41.18 | (83.75) | (161.81) | (75.82) | (121.95) | 6.22 | 230.02 |
| Financing Cash Flow | (25.60) | 53.94 | 28.37 | (42.29) | 30.84 | (65.36) | (37.46) | (116.01) | 244.46 | 139.40 | (112.33) | (129.37) | 45.17 | (91.01) | 26.21 | 115.75 | 100.67 | 17.97 | (44.12) | (169.20) |
* Derived from reported values
Dividends Per Share
(USD)| Metric | Q1
2026 | Q4
2025 | Q3
2025 | Q2
2025 | Q1
2025 | Q4
2024 | Q3
2024 | Q2
2024 | Q1
2024 | Q4
2023 | Q3
2023 | Q2
2023 | Q1
2023 | Q4
2022 | Q3
2022 | Q2
2022 | Q1
2022 | Q4
2021 | Q3
2021 | Q2
2021 |
|---|
| Dividends Per Share | 0.13 | 0.13 | 0.13 | 0.13 | 0.13 | 0.13 | 0.13 | 0.13 | 0.13 | 0.13 | 0.13 | 0.13 | 0.13 | 0.13 | 0.13 | 0.13 | 0.13 | 0.13 | 0.13 | 0.13 |
