NB BANCORP INC (NBBK) Stock Fundamental Analysis

NASDAQ:NBBK • US63945M1071

22.12 USD
+0.5 (+2.31%)
At close: Feb 13, 2026
22.12 USD
0 (0%)
After Hours: 2/13/2026, 8:27:57 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to NBBK. NBBK was compared to 381 industry peers in the Banks industry. There are concerns on the financial health of NBBK while its profitability can be described as average. An interesting combination arises when we look at growth and value: NBBK is growing strongly while it also seems undervalued.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • NBBK had positive earnings in the past year.
  • NBBK had a positive operating cash flow in the past year.
  • In the past 5 years NBBK has always 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

  • Looking at the Return On Assets, with a value of 1.07%, NBBK is in the better half of the industry, outperforming 67.45% of the companies in the same industry.
  • NBBK's Return On Equity of 7.90% is in line compared to the rest of the industry. NBBK outperforms 40.94% of its industry peers.
  • NBBK's Return On Invested Capital of 2.87% is amongst the best of the industry. NBBK outperforms 99.74% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for NBBK is in line with the industry average of 2.69%.
  • The last Return On Invested Capital (2.87%) for NBBK is above the 3 year average (2.27%), which is a sign of increasing profitability.
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

  • NBBK's Profit Margin of 18.37% is on the low side compared to the rest of the industry. NBBK is outperformed by 70.60% of its industry peers.
  • NBBK's Profit Margin has declined in the last couple of years.
  • NBBK's Operating Margin of 67.86% is amongst the best of the industry. NBBK outperforms 100.00% of its industry peers.
  • In the last couple of years the Operating Margin of NBBK has grown nicely.
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

  • NBBK has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • NBBK has more shares outstanding than it did 1 year ago.
  • The debt/assets ratio for NBBK is higher compared to a year ago.
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

  • NBBK has an Altman-Z score of -0.55. This is a bad value and indicates that NBBK is not financially healthy and even has some risk of bankruptcy.
  • The Altman-Z score of NBBK (-0.55) is better than 99.21% 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 Debt to FCF ratio of 57.78. This is amonst the worse of the industry: NBBK underperforms 84.51% of its industry peers.
  • A Debt/Equity ratio of 6.25 is on the high side and indicates that NBBK has dependencies on debt financing.
  • NBBK has a Debt to Equity ratio of 6.25. This is amonst the worse of the industry: NBBK underperforms 96.59% of its industry peers.
Industry RankSector Rank
Debt/Equity 6.25
Debt/FCF 57.78
Altman-Z -0.55
ROIC/WACC0.56
WACC5.16%
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.
  • Looking at the Current ratio, with a value of 0.05, NBBK belongs to the top 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 64.49%, which is quite impressive.
  • The Earnings Per Share has been growing by 20.69% on average over the past years. This is a very strong growth
  • NBBK shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 15.20%.
  • Measured over the past years, NBBK shows a very strong growth in Revenue. The Revenue has been growing by 40.16% on average per year.
EPS 1Y (TTM)64.49%
EPS 3Y20.69%
EPS 5YN/A
EPS Q2Q%27.5%
Revenue 1Y (TTM)15.2%
Revenue growth 3Y40.16%
Revenue growth 5YN/A
Sales Q2Q%-18.75%

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 22.87% on average per year.
  • The Revenue is expected to grow by 17.08% on average over the next years. This is quite good.
EPS Next Y32.72%
EPS Next 2Y22.87%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year31.58%
Revenue Next 2Y17.08%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
  • The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
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

7

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 12.57, NBBK is valued correctly.
  • The rest of the industry has a similar Price/Earnings ratio as NBBK.
  • NBBK is valuated cheaply when we compare the Price/Earnings ratio to 26.68, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 9.47, which indicates a very decent valuation of NBBK.
  • NBBK's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. NBBK is cheaper than 77.95% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 28.06. NBBK is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 12.57
Fwd PE 9.47
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

  • 99.74% of the companies in the same industry are more expensive than NBBK, based on the Enterprise Value to EBITDA ratio.
  • NBBK's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 12.7
EV/EBITDA 3.93
NBBK Per share dataNBBK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • NBBK's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • NBBK has a very decent profitability rating, which may justify a higher PE ratio.
  • A more expensive valuation may be justified as NBBK's earnings are expected to grow with 22.87% in the coming years.
PEG (NY)0.38
PEG (5Y)N/A
EPS Next 2Y22.87%
EPS Next 3YN/A

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

1

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 1.30%, NBBK has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.78, NBBK is paying slightly less dividend.
  • Compared to the average S&P500 Dividend Yield of 1.84, NBBK is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.3%

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 2Y22.87%
EPS Next 3YN/A
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 (2/13/2026, 8:27:57 PM)

After market: 22.12 0 (0%)

22.12

+0.5 (+2.31%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-20
Inst Owners43.29%
Inst Owner Change-91.32%
Ins Owners4.29%
Ins Owner Change3.36%
Market Cap1.01B
Revenue(TTM)336.73M
Net Income(TTM)58.21M
Analysts80
Price Target24.48 (10.67%)
Short Float %3.69%
Short Ratio5.31
Dividend
Industry RankSector Rank
Dividend Yield 1.3%
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)6.67%
PT rev (3m)9.09%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.45%
EPS NY rev (1m)8.53%
EPS NY rev (3m)15.66%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)6.46%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 12.57
Fwd PE 9.47
P/S 3.19
P/FCF 12.7
P/OCF 12.4
P/B 1.37
P/tB 1.37
EV/EBITDA 3.93
EPS(TTM)1.76
EY7.96%
EPS(NY)2.34
Fwd EY10.56%
FCF(TTM)1.74
FCFY7.88%
OCF(TTM)1.78
OCFY8.06%
SpS6.92
BVpS16.1
TBVpS16.1
PEG (NY)0.38
PEG (5Y)N/A
Graham Number25.25
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
WACC5.16%
ROIC/WACC0.56
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)64.49%
EPS 3Y20.69%
EPS 5YN/A
EPS Q2Q%27.5%
EPS Next Y32.72%
EPS Next 2Y22.87%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)15.2%
Revenue growth 3Y40.16%
Revenue growth 5YN/A
Sales Q2Q%-18.75%
Revenue Next Year31.58%
Revenue Next 2Y17.08%
Revenue Next 3YN/A
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.