Gladstone Capital vs Northfield Bancorp

Gladstone Capital and Northfield Bancorp are presented here in a neutral comparison. This page examines how their business models, financial performance, and market context differ and align, helping readers understand the strengths and considerations of each company. The content is designed to inform, not to persuade, and to provide context for decision making. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

GLAD

Metric

NFBK

$470.39M

Market Cap

$491.17M

5.16%

Potential Profit

1.52%

Buy

Analyst Rating

Hold

Investment Analysis

Gladstone Capital

GLAD

Pros

Gladstone Capital has a diverse portfolio focusing on lower middle market growth capital and buyouts, which can provide steady cash flow and growth opportunities.
The company offers a high dividend yield of around 7.2%, making it attractive for income-focused investors.
Analyst consensus price targets indicate potential upside of about 32-34% over the next year, reflecting positive market expectations.

Considerations

Revenue for 2025 is forecasted to decline by around 7%, and EPS is expected to drop significantly, indicating short-term profitability pressures.
The stock price has been volatile recently with a downward trend over several days, which may signal some market uncertainty.
Gladstone Capital is sensitive to interest rate changes due to its floating rate loan portfolio, which can reduce net investment income in a lowering rate environment.

Northfield Bancorp

NFBK

Pros

Northfield Bancorp benefits from a strong regional banking franchise with stable loan growth and asset quality.
The bank has a healthy balance sheet with solid capital ratios that support sustainable dividend payments and credit expansion.
Recent strategic initiatives to expand digital banking services could drive customer acquisition and improve operational efficiency.

Considerations

Northfield Bancorp faces exposure to macroeconomic headwinds including potential loan losses from economic downturn risks.
Competition in the regional banking sector is intense, putting pressure on net interest margins and fee income.
Regulatory compliance and increased operational costs may weigh on profitability in the near term.

About The Companies

Gladstone Capital (GLAD)

Gladstone Capital Corporation is a type of investment firm known as a business development company (BDC). It provides capital to established, smaller businesses in the United States, specifically what's termed the 'lower middle market'. These are typically companies with annual earnings between $3 million and $25 million. Gladstone's investment approach has two main goals. Firstly, it aims to generate current income by providing secured loans to these companies. This income helps fund its operations and potential distributions to shareholders. Secondly, it seeks long-term capital growth by taking small equity stakes in the companies it lends to. This dual strategy allows investors to potentially benefit from both regular income and the growth of the underlying assets. As with any investment, it's important to remember that capital is at risk and returns are not guaranteed.

Northfield Bancorp (NFBK)

Northfield Bancorp, Inc. acts as the holding company for Northfield Bank, a community-focused bank operating in the New York metropolitan area. With branches across Staten Island, Brooklyn, and several New Jersey counties, it plays a key role in local finance. The bank’s main business is originating loans, with a strong emphasis on multifamily and commercial real estate, alongside construction, commercial, and home equity loans. To fund these activities, Northfield Bank relies primarily on customer deposits, offering accounts like certificates of deposit, savings, and transaction accounts. For investors, Northfield Bancorp represents a traditional banking model rooted in community lending. The value of investments can go down as well as up, and past performance is not a guide to future returns.

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6% Interest on Cash

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Comparison Snapshot

Investment Analysis

Gladstone Capital

Pros

Considerations

Northfield Bancorp

Pros

Considerations

About The Companies

Buy GLAD or NFBK in Nemo

Zero Commission

Trusted & Regulated

6% Interest on Cash

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Frequently asked questions

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Comparison Snapshot

About The Companies