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NB BANCORP INC (NBBK) Stock Fundamental Analysis

NASDAQ:NBBK - Nasdaq - US63945M1071 - Common Stock - Currency: USD

19.05  -0.33 (-1.7%)

After market: 19.05 0 (0%)

Fundamental Rating

3

NBBK gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 405 industry peers in the Banks industry. NBBK may be in some trouble as it scores bad on both profitability and health. NBBK has a valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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3

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.
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 20M 40M 60M 80M 100M

1.2 Ratios

NBBK's Return On Assets of 0.26% is on the low side compared to the rest of the industry. NBBK is outperformed by 86.68% of its industry peers.
NBBK's Return On Equity of 1.73% is on the low side compared to the rest of the industry. NBBK is outperformed by 88.19% of its industry peers.
With an excellent Return On Invested Capital value of 2.50%, NBBK belongs to the best of the industry, outperforming 99.75% of the companies in the same industry.
NBBK had an Average Return On Invested Capital over the past 3 years of 1.47%. This is in line with the industry average of 2.28%.
The last Return On Invested Capital (2.50%) for NBBK is above the 3 year average (1.47%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 0.26%
ROE 1.73%
ROIC 2.5%
ROA(3y)0.6%
ROA(5y)N/A
ROE(3y)5.55%
ROE(5y)N/A
ROIC(3y)1.47%
ROIC(5y)N/A
NBBK Yearly ROA, ROE, ROICNBBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2021 2022 2023 2 4 6 8

1.3 Margins

NBBK has a worse Profit Margin (4.64%) than 88.44% of its industry peers.
The Operating Margin of NBBK (53.32%) is better than 100.00% of its industry peers.
Industry RankSector Rank
OM 53.32%
PM (TTM) 4.64%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
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 10 20 30 40

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3

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so NBBK is destroying value.
NBBK has more shares outstanding than it did 1 year ago.
Compared to 1 year ago, NBBK has an improved debt to assets ratio.
NBBK Yearly Shares OutstandingNBBK Yearly Shares OutstandingYearly Shares Outstanding 2021 2022 2023 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 1B 2B 3B 4B

2.2 Solvency

NBBK has an Altman-Z score of -0.57. This is a bad value and indicates that NBBK is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of -0.57, NBBK belongs to the top of the industry, outperforming 99.50% of the companies in the same industry.
NBBK has a debt to FCF ratio of 120.80. This is a negative value and a sign of low solvency as NBBK would need 120.80 years to pay back of all of its debts.
The Debt to FCF ratio of NBBK (120.80) is worse than 83.92% of its industry peers.
A Debt/Equity ratio of 5.56 is on the high side and indicates that NBBK has dependencies on debt financing.
With a Debt to Equity ratio value of 5.56, NBBK is not doing good in the industry: 99.25% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 5.56
Debt/FCF 120.8
Altman-Z -0.57
ROIC/WACC0.52
WACC4.83%
NBBK Yearly LT Debt VS Equity VS FCFNBBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2021 2022 2023 200M 400M 600M

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 99.25% of its industry peers.
NBBK has a Quick Ratio of 0.04. 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 Quick ratio value of 0.04, NBBK belongs to the best of the industry, outperforming 99.25% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.04
Quick Ratio 0.04
NBBK Yearly Current Assets VS Current LiabilitesNBBK Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2021 2022 2023 1B 2B 3B

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2

3. Growth

3.1 Past

The earnings per share for NBBK have decreased strongly by -57.11% in the last year.
Looking at the last year, NBBK shows a very strong growth in Revenue. The Revenue has grown by 40.43%.
EPS 1Y (TTM)-57.11%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%3.32%
Revenue 1Y (TTM)40.43%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%23.76%

3.2 Future

The Earnings Per Share is expected to grow by 94.24% 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 Y331.85%
EPS Next 2Y143.57%
EPS Next 3Y94.24%
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
NBBK Yearly Revenue VS EstimatesNBBK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2021 2022 2023 2024 2025 2026 50M 100M 150M 200M
NBBK Yearly EPS VS EstimatesNBBK Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 0.5 1 1.5

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4

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 51.49, the valuation of NBBK can be described as expensive.
Based on the Price/Earnings ratio, NBBK is valued more expensive than 88.19% of the companies in the same industry.
NBBK's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 28.42.
With a Price/Forward Earnings ratio of 13.73, NBBK is valued correctly.
Based on the Price/Forward Earnings ratio, NBBK is valued a bit more expensive than the industry average as 64.82% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Forward Earnings ratio of 24.39, NBBK is valued a bit cheaper.
Industry RankSector Rank
PE 51.49
Fwd PE 13.73
NBBK Price Earnings VS Forward Price EarningsNBBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40 50

4.2 Price Multiples

99.50% 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 a bit more expensive when compared to the industry. NBBK is more expensive than 72.36% of the companies in the same industry.
Industry RankSector Rank
P/FCF 23.63
EV/EBITDA 5.26
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 94.24% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.16
PEG (5Y)N/A
EPS Next 2Y143.57%
EPS Next 3Y94.24%

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0

5. Dividend

5.1 Amount

NBBK does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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NB BANCORP INC

NASDAQ:NBBK (1/28/2025, 8:00:01 PM)

After market: 19.05 0 (0%)

19.05

-0.33 (-1.7%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-30 2024-10-30/amc
Earnings (Next)N/A N/A
Inst Owners40.17%
Inst Owner Change-0.51%
Ins Owners1.53%
Ins Owner Change6.1%
Market Cap813.63M
Analysts82.86
Price Target22.44 (17.8%)
Short Float %3.7%
Short Ratio7.78
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-11.39%
Min EPS beat(2)-20.81%
Max EPS beat(2)-1.96%
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
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)4.76%
EPS NQ rev (1m)0%
EPS NQ rev (3m)33.33%
EPS NY rev (1m)0%
EPS NY rev (3m)-1%
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 RankSector Rank
PE 51.49
Fwd PE 13.73
P/S 2.92
P/FCF 23.63
P/OCF 22.57
P/B 1.09
P/tB 1.09
EV/EBITDA 5.26
EPS(TTM)0.37
EY1.94%
EPS(NY)1.39
Fwd EY7.28%
FCF(TTM)0.81
FCFY4.23%
OCF(TTM)0.84
OCFY4.43%
SpS6.52
BVpS17.5
TBVpS17.5
PEG (NY)0.16
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.26%
ROE 1.73%
ROCE 17.11%
ROIC 2.5%
ROICexc 2.58%
ROICexgc 2.68%
OM 53.32%
PM (TTM) 4.64%
GM N/A
FCFM 12.36%
ROA(3y)0.6%
ROA(5y)N/A
ROE(3y)5.55%
ROE(5y)N/A
ROIC(3y)1.47%
ROIC(5y)N/A
ROICexc(3y)1.57%
ROICexc(5y)N/A
ROICexgc(3y)1.61%
ROICexgc(5y)N/A
ROCE(3y)11.57%
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 5.56
Debt/FCF 120.8
Debt/EBITDA 27.49
Cap/Depr 58.22%
Cap/Sales 0.58%
Interest Coverage 1.19
Cash Conversion 23.83%
Profit Quality 266.53%
Current Ratio 0.04
Quick Ratio 0.04
Altman-Z -0.57
F-Score6
WACC4.83%
ROIC/WACC0.52
Cap/Depr(3y)184.19%
Cap/Depr(5y)N/A
Cap/Sales(3y)3.4%
Cap/Sales(5y)N/A
Profit Quality(3y)269.51%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-57.11%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%3.32%
EPS Next Y331.85%
EPS Next 2Y143.57%
EPS Next 3Y94.24%
EPS Next 5YN/A
Revenue 1Y (TTM)40.43%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%23.76%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y26.41%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y60.48%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y33.35%
OCF growth 3YN/A
OCF growth 5YN/A