NB BANCORP INC (NBBK) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:NBBK • US63945M1071

22.18 USD
-0.15 (-0.67%)
At close: Feb 5, 2026
22.18 USD
0 (0%)
After Hours: 2/5/2026, 8:00:02 PM
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to NBBK. NBBK was compared to 383 industry peers in the Banks industry. There are concerns on the financial health of NBBK while its profitability can be described as average. NBBK is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • NBBK had positive earnings in the past year.
  • In the past year NBBK had a positive cash flow from operations.
  • Each year in the past 5 years NBBK has been profitable.
  • NBBK had a positive operating cash flow in 4 of the past 5 years.
NBBK Yearly Net Income VS EBIT VS OCF VS FCFNBBK Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2021 2022 2023 2024 2025 50M 100M 150M 200M

1.2 Ratios

  • The Return On Assets of NBBK (1.07%) is better than 67.89% of its industry peers.
  • NBBK has a Return On Equity (7.90%) which is comparable to the rest of the industry.
  • With an excellent Return On Invested Capital value of 2.87%, NBBK belongs to the best of the industry, outperforming 99.74% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for NBBK is in line with the industry average of 2.57%.
  • The 3 year average ROIC (2.27%) for NBBK is below the current ROIC(2.87%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 1.07%
ROE 7.9%
ROIC 2.87%
ROA(3y)0.58%
ROA(5y)0.67%
ROE(3y)4.22%
ROE(5y)5.6%
ROIC(3y)2.27%
ROIC(5y)1.78%
NBBK Yearly ROA, ROE, ROICNBBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2021 2022 2023 2024 2025 2 4 6 8

1.3 Margins

  • The Profit Margin of NBBK (18.37%) is worse than 70.76% of its industry peers.
  • NBBK's Profit Margin has declined in the last couple of years.
  • NBBK has a Operating Margin of 67.86%. This is amongst the best in the industry. NBBK outperforms 100.00% of its industry peers.
  • NBBK's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 67.86%
PM (TTM) 18.37%
GM N/A
OM growth 3Y16.61%
OM growth 5YN/A
PM growth 3Y-15.3%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
NBBK Yearly Profit, Operating, Gross MarginsNBBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2021 2022 2023 2024 2025 20 40 60

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so NBBK is destroying value.
  • Compared to 1 year ago, NBBK has more shares outstanding
  • NBBK has a worse debt/assets ratio than last year.
NBBK Yearly Shares OutstandingNBBK Yearly Shares OutstandingYearly Shares Outstanding 2021 2022 2023 2024 2025 10M 20M 30M 40M
NBBK Yearly Total Debt VS Total AssetsNBBK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2021 2022 2023 2024 2025 2B 4B 6B

2.2 Solvency

  • Based on the Altman-Z score of -0.55, we must say that NBBK is in the distress zone and has some risk of bankruptcy.
  • NBBK's Altman-Z score of -0.55 is amongst the best of the industry. NBBK outperforms 99.48% of its industry peers.
  • NBBK has a debt to FCF ratio of 57.78. This is a negative value and a sign of low solvency as NBBK would need 57.78 years to pay back of all of its debts.
  • NBBK has a worse Debt to FCF ratio (57.78) than 84.60% of its industry peers.
  • NBBK has a Debt/Equity ratio of 6.25. This is a high value indicating a heavy dependency on external financing.
  • With a Debt to Equity ratio value of 6.25, NBBK is not doing good in the industry: 96.34% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 6.25
Debt/FCF 57.78
Altman-Z -0.55
ROIC/WACC0.55
WACC5.21%
NBBK Yearly LT Debt VS Equity VS FCFNBBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2021 2022 2023 2024 2025 200M 400M 600M 800M

2.3 Liquidity

  • NBBK has a Current Ratio of 0.05. This is a bad value and indicates that NBBK is not financially healthy enough and could expect problems in meeting its short term obligations.
  • With an excellent Current ratio value of 0.05, NBBK belongs to the best of the industry, outperforming 99.48% of the companies in the same industry.
  • A Quick Ratio of 0.05 indicates that NBBK may have some problems paying its short term obligations.
  • NBBK has a better Quick ratio (0.05) than 99.48% of its industry peers.
Industry RankSector Rank
Current Ratio 0.05
Quick Ratio 0.05
NBBK Yearly Current Assets VS Current LiabilitesNBBK Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

8

3. Growth

3.1 Past

  • NBBK shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 24.58%, which is quite impressive.
  • NBBK shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 26.69% yearly.
  • The Revenue has grown by 15.20% in the past year. This is quite good.
  • Measured over the past years, NBBK shows a very strong growth in Revenue. The Revenue has been growing by 46.42% on average per year.
EPS 1Y (TTM)24.58%
EPS 3Y26.69%
EPS 5YN/A
EPS Q2Q%-52.89%
Revenue 1Y (TTM)15.2%
Revenue growth 3Y46.42%
Revenue growth 5YN/A
Sales Q2Q%-19.32%

3.2 Future

  • Based on estimates for the next years, NBBK will show a very strong growth in Earnings Per Share. The EPS will grow by 33.66% on average per year.
  • NBBK is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.21% yearly.
EPS Next Y57.29%
EPS Next 2Y41.82%
EPS Next 3Y33.66%
EPS Next 5YN/A
Revenue Next Year-21.12%
Revenue Next 2Y-1.26%
Revenue Next 3Y1.21%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
NBBK Yearly Revenue VS EstimatesNBBK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M
NBBK Yearly EPS VS EstimatesNBBK Yearly EPS VS EstimatesYearly EPS VS Estimates 2024 2025 2026 2027 0.5 1 1.5 2 2.5

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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 20.73 indicates a rather expensive valuation of NBBK.
  • Based on the Price/Earnings ratio, NBBK is valued expensively inside the industry as 81.72% of the companies are valued cheaper.
  • NBBK is valuated rather cheaply when we compare the Price/Earnings ratio to 27.67, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 10.31, the valuation of NBBK can be described as very reasonable.
  • NBBK's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. NBBK is cheaper than 64.23% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of NBBK to the average of the S&P500 Index (27.20), we can say NBBK is valued rather cheaply.
Industry RankSector Rank
PE 20.73
Fwd PE 10.31
NBBK Price Earnings VS Forward Price EarningsNBBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of NBBK indicates a rather cheap valuation: NBBK is cheaper than 99.74% of the companies listed in the same industry.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of NBBK is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 12.73
EV/EBITDA 3.97
NBBK Per share dataNBBK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • The decent profitability rating of NBBK may justify a higher PE ratio.
  • NBBK's earnings are expected to grow with 33.66% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.36
PEG (5Y)N/A
EPS Next 2Y41.82%
EPS Next 3Y33.66%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

1

5. Dividend

5.1 Amount

  • NBBK has a Yearly Dividend Yield of 1.31%. Purely for dividend investing, there may be better candidates out there.
  • NBBK's Dividend Yield is slightly below the industry average, which is at 2.71.
  • Compared to the average S&P500 Dividend Yield of 1.82, NBBK is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.31%

5.2 History

  • NBBK does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
NBBK Yearly Dividends per shareNBBK Yearly Dividends per shareYearly Dividends per share 2025 2026 0.05 0.1

5.3 Sustainability

DPN/A
EPS Next 2Y41.82%
EPS Next 3Y33.66%
NBBK Yearly Income VS Free CF VS DividendNBBK Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M

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Find the best dividend stocksShow peers with best dividend

NB BANCORP INC

NASDAQ:NBBK (2/5/2026, 8:00:02 PM)

After market: 22.18 0 (0%)

22.18

-0.15 (-0.67%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-22
Earnings (Next)02-26
Inst Owners43.29%
Inst Owner Change0.27%
Ins Owners4.29%
Ins Owner Change3.67%
Market Cap1.02B
Revenue(TTM)336.73M
Net Income(TTM)58.21M
Analysts80
Price Target22.95 (3.47%)
Short Float %3.69%
Short Ratio5.31
Dividend
Industry RankSector Rank
Dividend Yield 1.31%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-Date02-05
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)14.38%
Min EPS beat(2)12.04%
Max EPS beat(2)16.71%
EPS beat(4)4
Avg EPS beat(4)13.82%
Min EPS beat(4)3.98%
Max EPS beat(4)22.55%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)2.27%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.17%
EPS NY rev (1m)0%
EPS NY rev (3m)11.05%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 20.73
Fwd PE 10.31
P/S 3.2
P/FCF 12.73
P/OCF 12.43
P/B 1.38
P/tB 1.38
EV/EBITDA 3.97
EPS(TTM)1.07
EY4.82%
EPS(NY)2.15
Fwd EY9.7%
FCF(TTM)1.74
FCFY7.85%
OCF(TTM)1.78
OCFY8.04%
SpS6.92
BVpS16.1
TBVpS16.1
PEG (NY)0.36
PEG (5Y)N/A
Graham Number19.69
Profitability
Industry RankSector Rank
ROA 1.07%
ROE 7.9%
ROCE 27.47%
ROIC 2.87%
ROICexc 2.98%
ROICexgc 3.05%
OM 67.86%
PM (TTM) 18.37%
GM N/A
FCFM 25.16%
ROA(3y)0.58%
ROA(5y)0.67%
ROE(3y)4.22%
ROE(5y)5.6%
ROIC(3y)2.27%
ROIC(5y)1.78%
ROICexc(3y)2.36%
ROICexc(5y)1.88%
ROICexgc(3y)2.43%
ROICexgc(5y)1.93%
ROCE(3y)20.03%
ROCE(5y)16.16%
ROICexgc growth 3Y31.07%
ROICexgc growth 5YN/A
ROICexc growth 3Y31.06%
ROICexc growth 5YN/A
OM growth 3Y16.61%
OM growth 5YN/A
PM growth 3Y-15.3%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 6.25
Debt/FCF 57.78
Debt/EBITDA 21.14
Cap/Depr 66.66%
Cap/Sales 0.61%
Interest Coverage 1.56
Cash Conversion 37.46%
Profit Quality 136.97%
Current Ratio 0.05
Quick Ratio 0.05
Altman-Z -0.55
F-Score6
WACC5.21%
ROIC/WACC0.55
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)24.58%
EPS 3Y26.69%
EPS 5YN/A
EPS Q2Q%-52.89%
EPS Next Y57.29%
EPS Next 2Y41.82%
EPS Next 3Y33.66%
EPS Next 5YN/A
Revenue 1Y (TTM)15.2%
Revenue growth 3Y46.42%
Revenue growth 5YN/A
Sales Q2Q%-19.32%
Revenue Next Year-21.12%
Revenue Next 2Y-1.26%
Revenue Next 3Y1.21%
Revenue Next 5YN/A
EBIT growth 1Y44.82%
EBIT growth 3Y63.44%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y131.57%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y126.49%
OCF growth 3YN/A
OCF growth 5YN/A

NB BANCORP INC / NBBK FAQ

What is the ChartMill fundamental rating of NB BANCORP INC (NBBK) stock?

ChartMill assigns a fundamental rating of 5 / 10 to NBBK.


What is the valuation status of NB BANCORP INC (NBBK) stock?

ChartMill assigns a valuation rating of 6 / 10 to NB BANCORP INC (NBBK). This can be considered as Fairly Valued.


Can you provide the profitability details for NB BANCORP INC?

NB BANCORP INC (NBBK) has a profitability rating of 6 / 10.


Can you provide the financial health for NBBK stock?

The financial health rating of NB BANCORP INC (NBBK) is 2 / 10.