NB BANCORP INC (NBBK) Fundamental Analysis & Valuation

NASDAQ:NBBK • US63945M1071

Current stock price

20.37 USD
-0.23 (-1.12%)
Last:

This NBBK fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. NBBK Profitability Analysis

1.1 Basic Checks

  • NBBK had positive earnings in the past year.
  • NBBK had a positive operating cash flow in the past year.
  • NBBK had positive earnings in each of the past 5 years.
  • Of the past 5 years NBBK 4 years had a positive operating cash flow.
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

  • NBBK's Return On Assets of 1.07% is fine compared to the rest of the industry. NBBK outperforms 63.25% of its industry peers.
  • With a Return On Equity value of 7.90%, NBBK is not doing good in the industry: 61.94% of the companies in the same industry are doing better.
  • NBBK has a better Return On Invested Capital (2.87%) than 99.48% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for NBBK is in line with the industry average of 2.74%.
  • 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 74.54% of its industry peers.
  • NBBK's Profit Margin has declined in the last couple of years.
  • NBBK has a better Operating Margin (67.86%) than 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. NBBK Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), NBBK is destroying value.
  • NBBK has more shares outstanding than it did 1 year ago.
  • Compared to 1 year ago, NBBK has a worse debt to assets ratio.
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 -0.56, we must say that NBBK is in the distress zone and has some risk of bankruptcy.
  • The Altman-Z score of NBBK (-0.56) 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.
  • With a Debt to FCF ratio value of 57.78, NBBK is not doing good in the industry: 85.30% of the companies in the same industry are doing better.
  • NBBK has a Debt/Equity ratio of 6.25. This is a high value indicating a heavy dependency on external financing.
  • NBBK has a worse Debt to Equity ratio (6.25) than 97.11% of its industry peers.
Industry RankSector Rank
Debt/Equity 6.25
Debt/FCF 57.78
Altman-Z -0.56
ROIC/WACC0.57
WACC5.05%
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.
  • NBBK's Current ratio of 0.05 is amongst the best of the industry. NBBK outperforms 99.48% of its industry peers.
  • 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. NBBK Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 64.49% over the past year.
  • The Earnings Per Share has been growing by 20.69% on average over the past years. This is a very strong growth
  • 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 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.
  • NBBK is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 17.08% yearly.
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

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
  • 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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6

4. NBBK Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 11.57 indicates a reasonable valuation of NBBK.
  • NBBK's Price/Earnings is on the same level as the industry average.
  • NBBK is valuated cheaply when we compare the Price/Earnings ratio to 25.73, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 8.72, the valuation of NBBK can be described as very reasonable.
  • Based on the Price/Forward Earnings ratio, NBBK is valued a bit cheaper than the industry average as 73.75% of the companies are valued more expensively.
  • NBBK's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.72.
Industry RankSector Rank
PE 11.57
Fwd PE 8.72
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

  • Based on the Enterprise Value to EBITDA ratio, NBBK is valued cheaply inside the industry as 99.74% of the companies are valued more expensively.
  • 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 11.69
EV/EBITDA 3.61
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.
  • NBBK's earnings are expected to grow with 22.87% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.35
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. NBBK Dividend Analysis

5.1 Amount

  • NBBK has a Yearly Dividend Yield of 1.33%.
  • NBBK's Dividend Yield is slightly below the industry average, which is at 2.90.
  • Compared to the average S&P500 Dividend Yield of 1.91, NBBK is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.33%

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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NBBK Fundamentals: All Metrics, Ratios and Statistics

NB BANCORP INC

NASDAQ:NBBK (3/20/2026, 11:38:00 AM)

20.37

-0.23 (-1.12%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-20
Inst Owners49.39%
Inst Owner Change13.61%
Ins Owners4.51%
Ins Owner Change10.87%
Market Cap932.33M
Revenue(TTM)336.73M
Net Income(TTM)58.21M
Analysts80
Price Target24.48 (20.18%)
Short Float %3.24%
Short Ratio3.83
Dividend
Industry RankSector Rank
Dividend Yield 1.33%
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)9.09%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)8.53%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)6.46%
Valuation
Industry RankSector Rank
PE 11.57
Fwd PE 8.72
P/S 2.94
P/FCF 11.69
P/OCF 11.42
P/B 1.26
P/tB 1.26
EV/EBITDA 3.61
EPS(TTM)1.76
EY8.64%
EPS(NY)2.34
Fwd EY11.47%
FCF(TTM)1.74
FCFY8.55%
OCF(TTM)1.78
OCFY8.76%
SpS6.92
BVpS16.1
TBVpS16.1
PEG (NY)0.35
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 -0.56
F-Score6
WACC5.05%
ROIC/WACC0.57
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 Fundamental Analysis 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 5 / 10.


Can you provide the financial health for NBBK stock?

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