Comparing Northfield Bancorp, Inc. (Staten Island, NY) (NASDAQ:NFBK) & Oconee Federal Financial (NASDAQ:OFED)

Northfield Bancorp, Inc. (Staten Island, NY) (NASDAQ:NFBK) and Oconee Federal Financial (NASDAQ:OFED) are both small-cap finance companies, but which is the better stock? We will compare the two businesses based on the strength of their profitability, earnings, analyst recommendations, valuation, risk, dividends and institutional ownership.

Insider and Institutional Ownership

65.5% of Northfield Bancorp, Inc. (Staten Island, NY) shares are owned by institutional investors. 6.5% of Northfield Bancorp, Inc. (Staten Island, NY) shares are owned by company insiders. Comparatively, 5.1% of Oconee Federal Financial shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Profitability

This table compares Northfield Bancorp, Inc. (Staten Island, NY) and Oconee Federal Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Northfield Bancorp, Inc. (Staten Island, NY)	14.02%	4.65%	0.57%
Oconee Federal Financial	N/A	2.03%	0.25%

Volatility and Risk

Northfield Bancorp, Inc. (Staten Island, NY) has a beta of 0.76, suggesting that its share price is 24% less volatile than the S&P 500. Comparatively, Oconee Federal Financial has a beta of 0.26, suggesting that its share price is 74% 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 4.1%. Oconee Federal Financial pays an annual dividend of $0.40 per share and has a dividend yield of 3.2%. Northfield Bancorp, Inc. (Staten Island, NY) pays out 69.3% of its earnings in the form of a dividend. Oconee Federal Financial pays out 52.6% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Analyst Recommendations

This is a breakdown of recent recommendations and price targets for Northfield Bancorp, Inc. (Staten Island, NY) and Oconee Federal Financial, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Northfield Bancorp, Inc. (Staten Island, NY)	0	2	0	0	2.00
Oconee Federal Financial	0	0	0	0	N/A

Northfield Bancorp, Inc. (Staten Island, NY) presently has a consensus price target of $11.00, suggesting a potential downside of 13.59%. Given Northfield Bancorp, Inc. (Staten Island, NY)’s higher possible upside, research analysts clearly believe Northfield Bancorp, Inc. (Staten Island, NY) is more favorable than Oconee Federal Financial.

Valuation & Earnings

This table compares Northfield Bancorp, Inc. (Staten Island, NY) and Oconee Federal Financial’s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Northfield Bancorp, Inc. (Staten Island, NY)	$220.69 million	2.56	$37.67 million	$0.75	16.97
Oconee Federal Financial	$18.05 million	4.09	$3.30 million	$0.76	16.64

Northfield Bancorp, Inc. (Staten Island, NY) has higher revenue and earnings than Oconee Federal Financial. Oconee Federal Financial is trading 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.

Summary

Northfield Bancorp, Inc. (Staten Island, NY) beats Oconee Federal Financial on 10 of the 14 factors compared between the two stocks.

About Northfield Bancorp, Inc. (Staten Island, NY)

Northfield Bancorp, Inc. (Staten Island, NY) operates as the bank holding company for Northfield Bank that provides various banking products and services primarily to individuals and corporate customers. It accepts various deposits products, including certificates of deposit, passbook, statement, and money market savings accounts; transaction deposit accounts comprising negotiable orders of withdrawal accounts, and interest and non-interest-bearing checking accounts; and brokered deposits. The company also offers various loans comprising multifamily and other commercial real estate loans, construction and land loans, commercial and industrial loans, one-to-four family residential real estate loans, and 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 mortgage loans, mortgage-backed securities, and other investments. Further, the company provides automated teller machines; telephone, internet, and mobile banking services; and ACH and wire transfers, cash management, positive pay, and remote deposit capture services. It operates 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.

About Oconee Federal Financial

Oconee Federal Financial Corp. operates as a holding company for Oconee Federal Savings and Loan Association that provides various banking products and services in the Oconee and Pickens County areas of northwestern South Carolina, and the northeast area of Georgia in Stephens County and Rabun County. It offers deposit products, including demand, money market, NOW, savings, and individual retirement accounts, as well as certificates of deposit. The company's loan portfolio comprises one-to-four family residential and multi-family real estate loans; home equity loans and lines of credit; nonresidential real estate loans; mortgage loans; construction and land loans; commercial and industrial loans; agricultural loans; and consumer and other loans, such as installment loans for various consumer purposes, including the purchase of automobiles, boats, and other legitimate personal purposes. Oconee Federal Financial Corp. was founded in 1924 and is based in Seneca, South Carolina. Oconee Federal Financial Corp. operates a subsidiary of Oconee Federal, MHC.