Is NFBK or NSTS more undervalued in 2026?

CirclFi compares Northfield Bancorp, Inc. (NFBK) and NSTS Bancorp, Inc. (NSTS) using 13 institutional-grade valuation models. NFBK has a Quality of Company score of 7.7/10 while NSTS scores 6.2/10.

Which is a better buy — NFBK or NSTS?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do NFBK and NSTS valuations compare?

NFBK at $14.26 and NSTS at $13.77 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

NFBK vs NSTS Valuation Comparison 2026 — Intrinsic Value Analysis

NFBK

Banks - Regional

Northfield Bancorp, Inc.

Quality

7.7

out of 10

Value Trap

SAFE

Price

$14.26

Last close

Models

10/13

Active

NSTS

Banks - Regional

NSTS Bancorp, Inc.

Quality

6.2

out of 10

Value Trap

SAFE

Price

$13.77

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	NFBK Fair Value	NFBK Upside	NSTS Fair Value	NSTS Upside
Bayesian DCF	Intrinsic	$2.48	-82.6%	$15.58	+13.2%
Earnings Power Value	Intrinsic	$3.00	-78.8%	$10.16	-26.2%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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NFBK vs NSTS — Which Stock Is More Undervalued?

NFBK scores higher with a 7.7/10 quality rating vs NSTS's 6.2/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Northfield Bancorp, Inc. (NFBK) and NSTS Bancorp, Inc. (NSTS) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

NFBK currently trades at $14.26 with a QOC of 7.7/10, while NSTS trades at $13.77 with a QOC of 6.2/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).