NB BANCORP INC (NBBK) Stock Fundamental Analysis
USA - NASDAQ:NBBK - US63945M1071 - Common Stock
18.85 USD
-0.04 (-0.21%)
18.85 USD
0 (0%)
Overall NBBK gets a fundamental rating of 4 out of 10. We evaluated NBBK against 388 industry peers in the Banks industry. While NBBK is still in line with the averages on profitability rating, there are concerns on its financial health. NBBK is not valued too expensively and it also shows a decent growth rate.
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.
1.2 Ratios
NBBK has a Return On Assets of 0.98%. This is in the better half of the industry: NBBK outperforms 61.08% of its industry peers.
The Return On Equity of NBBK (6.95%) is worse than 67.01% of its industry peers.
NBBK has a Return On Invested Capital of 3.17%. This is amongst the best in the industry. NBBK outperforms 99.74% of its industry peers.
NBBK had an Average Return On Invested Capital over the past 3 years of 1.99%. This is in line with the industry average of 2.55%.
The 3 year average ROIC (1.99%) for NBBK is below the current ROIC(3.17%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.98% | ||
| ROE | 6.95% | ||
| ROIC | 3.17% |
ROA(3y)0.62%
ROA(5y)N/A
ROE(3y)5.18%
ROE(5y)N/A
ROIC(3y)1.99%
ROIC(5y)N/A
1.3 Margins
NBBK's Profit Margin of 16.55% is on the low side compared to the rest of the industry. NBBK is outperformed by 72.68% of its industry peers.
NBBK's Profit Margin has declined in the last couple of years.
NBBK has a Operating Margin of 68.02%. This is amongst the best in 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | 68.02% | ||
| PM (TTM) | 16.55% | ||
| GM | N/A |
OM growth 3Y14.26%
OM growth 5YN/A
PM growth 3Y-14.62%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
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 about the same amout of shares outstanding than it did 1 year ago.
Compared to 1 year ago, NBBK has a worse debt to assets ratio.
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 99.48% of its industry peers.
NBBK has a debt to FCF ratio of 67.43. This is a negative value and a sign of low solvency as NBBK would need 67.43 years to pay back of all of its debts.
NBBK's Debt to FCF ratio of 67.43 is on the low side compared to the rest of the industry. NBBK is outperformed by 84.79% of its industry peers.
A Debt/Equity ratio of 5.96 is on the high side and indicates that NBBK has dependencies on debt financing.
The Debt to Equity ratio of NBBK (5.96) is worse than 96.65% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.96 | ||
| Debt/FCF | 67.43 | ||
| Altman-Z | -0.55 |
ROIC/WACC0.69
WACC4.59%
2.3 Liquidity
A Current Ratio of 0.04 indicates that NBBK may have some problems paying its short term obligations.
NBBK's Current ratio of 0.04 is amongst the best of the industry. NBBK outperforms 99.48% of its industry peers.
A Quick Ratio of 0.04 indicates that NBBK may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.04, NBBK belongs to the top of the industry, outperforming 99.48% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.04 | ||
| Quick Ratio | 0.04 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 316.06% over the past year.
Measured over the past years, NBBK shows a very strong growth in Earnings Per Share. The EPS has been growing by 26.69% on average per year.
Looking at the last year, NBBK shows a quite strong growth in Revenue. The Revenue has grown by 13.78% in the last year.
The Revenue has been growing by 46.42% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)316.06%
EPS 3Y26.69%
EPS 5YN/A
EPS Q2Q%102.34%
Revenue 1Y (TTM)13.78%
Revenue growth 3Y46.42%
Revenue growth 5YN/A
Sales Q2Q%9.91%
3.2 Future
The Earnings Per Share is expected to grow by 29.91% on average over the next years. This is a very strong growth
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y58.24%
EPS Next 2Y37.39%
EPS Next 3Y29.91%
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
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.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
NBBK is valuated rather expensively with a Price/Earnings ratio of 17.62.
Based on the Price/Earnings ratio, NBBK is valued a bit more expensive than 78.61% of the companies in the same industry.
NBBK's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.51.
A Price/Forward Earnings ratio of 9.33 indicates a reasonable valuation of NBBK.
NBBK's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of NBBK to the average of the S&P500 Index (34.98), we can say NBBK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.62 | ||
| Fwd PE | 9.33 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, NBBK is valued cheaper than 100.00% of the companies in the same industry.
NBBK's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.52 | ||
| EV/EBITDA | 3.38 |
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 29.91% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.3
PEG (5Y)N/A
EPS Next 2Y37.39%
EPS Next 3Y29.91%
5. Dividend
5.1 Amount
NBBK has a Yearly Dividend Yield of 1.47%.
Compared to an average industry Dividend Yield of 3.39, NBBK is paying slightly less dividend.
Compared to the average S&P500 Dividend Yield of 2.44, NBBK is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.47% |
5.2 History
NBBK is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
DPN/A
EPS Next 2Y37.39%
EPS Next 3Y29.91%
18.85
-0.04 (-0.21%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners47.62%
Inst Owner Change2.61%
Ins Owners4.93%
Ins Owner Change0.85%
Market Cap750.80M
Revenue(TTM)316.94M
Net Income(TTM)51.23M
Analysts82.86
Price Target22.44 (19.05%)
Short Float %6.11%
Short Ratio8.64
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.47% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)8.01%
Min EPS beat(2)3.98%
Max EPS beat(2)12.04%
EPS beat(4)3
Avg EPS beat(4)4.44%
Min EPS beat(4)-20.81%
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)4.76%
PT rev (3m)10%
EPS NQ rev (1m)7.14%
EPS NQ rev (3m)7.14%
EPS NY rev (1m)3.11%
EPS NY rev (3m)13.7%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.62 | ||
| Fwd PE | 9.33 | ||
| P/S | 2.43 | ||
| P/FCF | 11.52 | ||
| P/OCF | 11.2 | ||
| P/B | 1.02 | ||
| P/tB | 1.02 | ||
| EV/EBITDA | 3.38 |
EPS(TTM)1.07
EY5.68%
EPS(NY)2.02
Fwd EY10.71%
FCF(TTM)1.64
FCFY8.68%
OCF(TTM)1.68
OCFY8.93%
SpS7.77
BVpS18.51
TBVpS18.51
PEG (NY)0.3
PEG (5Y)N/A
Graham Number21.11
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.98% | ||
| ROE | 6.95% | ||
| ROCE | 24.23% | ||
| ROIC | 3.17% | ||
| ROICexc | 3.27% | ||
| ROICexgc | 3.35% | ||
| OM | 68.02% | ||
| PM (TTM) | 16.55% | ||
| GM | N/A | ||
| FCFM | 21.06% |
ROA(3y)0.62%
ROA(5y)N/A
ROE(3y)5.18%
ROE(5y)N/A
ROIC(3y)1.99%
ROIC(5y)N/A
ROICexc(3y)2.06%
ROICexc(5y)N/A
ROICexgc(3y)2.12%
ROICexgc(5y)N/A
ROCE(3y)15.54%
ROCE(5y)N/A
ROICexgc growth 3Y33.38%
ROICexgc growth 5YN/A
ROICexc growth 3Y32.95%
ROICexc growth 5YN/A
OM growth 3Y14.26%
OM growth 5YN/A
PM growth 3Y-14.62%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.96 | ||
| Debt/FCF | 67.43 | ||
| Debt/EBITDA | 20.6 | ||
| Cap/Depr | 64.69% | ||
| Cap/Sales | 0.59% | ||
| Interest Coverage | 1.52 | ||
| Cash Conversion | 31.41% | ||
| Profit Quality | 127.24% | ||
| Current Ratio | 0.04 | ||
| Quick Ratio | 0.04 | ||
| Altman-Z | -0.55 |
F-Score6
WACC4.59%
ROIC/WACC0.69
Cap/Depr(3y)178.49%
Cap/Depr(5y)N/A
Cap/Sales(3y)2.96%
Cap/Sales(5y)N/A
Profit Quality(3y)236.98%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)316.06%
EPS 3Y26.69%
EPS 5YN/A
EPS Q2Q%102.34%
EPS Next Y58.24%
EPS Next 2Y37.39%
EPS Next 3Y29.91%
EPS Next 5YN/A
Revenue 1Y (TTM)13.78%
Revenue growth 3Y46.42%
Revenue growth 5YN/A
Sales Q2Q%9.91%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y54.2%
EBIT growth 3Y67.31%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-17.56%
FCF growth 3Y-0.63%
FCF growth 5YN/A
OCF growth 1Y-18.36%
OCF growth 3Y-0.5%
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 4 / 10 to NBBK.
Can you provide the valuation status for NB BANCORP INC?
ChartMill assigns a valuation rating of 5 / 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 4 / 10.
What are the PE and PB ratios of NB BANCORP INC (NBBK) stock?
The Price/Earnings (PE) ratio for NB BANCORP INC (NBBK) is 17.62 and the Price/Book (PB) ratio is 1.02.