22.05 USD
+0.33 (+1.52%)
At close: Feb 2, 2026
22.05 USD
0 (0%)
After Hours: 2/2/2026, 5:33:19 PM
NBBK gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 383 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 overvalued while it is showing excellent growth. This is an interesting combination.
1. Profitability
1.1 Basic Checks
- In the past year NBBK was profitable.
- NBBK had a positive operating cash flow in the past year.
- NBBK had positive earnings in each of the past 5 years.
- NBBK had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- With a decent Return On Assets value of 1.07%, NBBK is doing good in the industry, outperforming 68.15% of the companies in the same industry.
- With a Return On Equity value of 7.90%, NBBK perfoms like the industry average, outperforming 40.47% of the companies in the same 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.
- Measured over the past 3 years, the Average Return On Invested Capital 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 Rank | Sector 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%
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.
- The Operating Margin of NBBK (67.86%) is better than 100.00% of its industry peers.
- NBBK's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector 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
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.
- Compared to 1 year ago, NBBK has more shares outstanding
- 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.
- 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.
- A Debt/Equity ratio of 6.25 is on the high side and indicates that NBBK has dependencies on debt 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.25 | ||
| Debt/FCF | 57.78 | ||
| Altman-Z | -0.55 |
ROIC/WACC0.55
WACC5.19%
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 has a Current ratio of 0.05. This is amongst the best in 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 Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.05 | ||
| Quick Ratio | 0.05 |
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.
- 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.
- The Revenue has grown by 15.20% in the past year. This is quite good.
- NBBK shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 46.42% yearly.
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
- NBBK is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 33.66% yearly.
- 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
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 20.61 indicates a rather expensive valuation of NBBK.
- Based on the Price/Earnings ratio, NBBK is valued expensively inside the industry as 81.46% of the companies are valued cheaper.
- When comparing the Price/Earnings ratio of NBBK to the average of the S&P500 Index (28.41), we can say NBBK is valued slightly cheaper.
- A Price/Forward Earnings ratio of 10.25 indicates a reasonable valuation of NBBK.
- Based on the Price/Forward Earnings ratio, NBBK is valued a bit cheaper than the industry average as 63.45% 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 25.64.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.61 | ||
| Fwd PE | 10.25 |
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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.66 | ||
| EV/EBITDA | 3.85 |
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 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 33.66% in the coming years.
PEG (NY)0.36
PEG (5Y)N/A
EPS Next 2Y41.82%
EPS Next 3Y33.66%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 1.31%, NBBK has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 2.67, NBBK is paying slightly less dividend.
- NBBK's Dividend Yield is slightly below the S&P500 average, which is at 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.31% |
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 2Y41.82%
EPS Next 3Y33.66%
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.